Merchant Capture Demo

   Bill Payment Demo

Personal Accounts

Personal Checking

  • Unlimited check writing privileges
  • Statement and transaction images returned on a monthly basis
  • FREE - Telephone Banking (24 hours) 654-1516
  • FREE - Initial ATM/MASTER MONEY Debit Card (certain restrictions may apply)
  • No maintenance fee if your lowest balance during the cycle is $800 and above
  • $ 6.00 Maintenance fee if your lowest balance is between $500 - $799
  • $ 9.00 Maintenance fee if your balance is less than $500
  • $ .30 fee will be charged for each item deposited in excess of 20
  • $ 1.00 ATM activity fee is charged for using other than a Bank of Zachary ATM
  • $ 10.00 for replacement ATM/MASTER MONEY Debit card
  • $ 100.00 required for opening balance

50+ Checking

  • FREE - Checking Account
  • FREE - Bank Selected Checks
  • FREE - Telephone Banking - (24 hours) 654-1516
  • FREE - Initial ATM/MASTER MONEY Debit Card (certain restrictions may apply)
  • Unlimited check writing privileges
  • Statement and transaction images returned on a monthly basis
  • Account holder must be at least 50 years of age
  • $ 1.00 ATM activity fee is charged for using other than a Bank of Zachary ATM
  • $ 100.00 required for opening balance
  • $ 10.00 replacement ATM/MASTER MONEY Debit Card

Freedom Checking (students)

  • Service charge waived until graduation or age 23
  • FREE - Bank Selected Checks
  • FREE - Telephone Banking - (24 hours) 654-1516
  • Unlimited check writing privileges
  • Statement and transaction images returned on a monthly basis
  • $ 1.00 ATM activity fee is charged for using other than a Bank of Zachary ATM
  • $ 100.00 required for opening balance
  • $ 10.00 replacement ATM/MASTER MONEY Debit Card

Money Market Account (Government Regulated)

  • No maintenance fee if your balance remains above $1,000 during the statement period
  • Interest is calculated on your daily collected balance and added to your account monthly at statement time
  • Unlimited in-person cash and ATM withdrawals
  • Limit of six checks/debits or transfers per statement cycle, with no more than three checks in payment to third parties as regulated by law
  • **Excessive checks/debits will be subject to a fee of $10 each or possibly closing the account.** Statement and transaction images returned on a monthly basis
  • FREE - Telephone Banking (24 hours) 654-1516
  • FREE - Initial ATM/MASTER MONEY Debit Card (certain restrictions may apply)
  • $ 1,000.00 required for opening balance
  • $ 15.00 maintenance fee if the balance drops below $1,000 during the month
  • $ .30 fee will be charged for each item deposited in excess of 20
  • $ 1.00 ATM activity is charged for using other than a Bank of Zachary ATM 
  • $ 10.00 replacement ATM/MASTER MONEY Debit Card

See our Current Rates for today's rates and annual percentage yields.

Interest Plus Checking

  • A high yield market based account with no fine print, strings or gimmicks
  • No maintenance fees
  • Tiered account that pays higher rates for higher balances
  • Interest is calculated on your daily collected balance and added to your account monthly at statement time
  • Statement and transaction images returned on a monthly basis
  • FREE - Telephone Banking (24 hours) 654-1516
  • FREE - Initial ATM/MASTER MONEY Debit Card (certain restrictions may apply)
  • $ .30 charge for each check/debit on the account
  • $ 100.00 required for opening balance
  • $ .30 fee will be charged for each item deposited in excess of 20
  • $ 1.00 ATM activity fee is charged for using other than a Bank of Zachary ATM
  • $ .50 ATM balance inquiry fee when using other than a Bank of Zachary ATM
  • $ 10.00 replacement ATM/MASTER MONEY Debit Card

See our Current Rates for today's rates and annual percentage yields.

NOW Account (Individual)

  • Unlimited check writing privileges
  • Statement and transaction images returned on a monthly basis
  • FREE - Telephone Banking - (24 hours) 654-1516
  • $1,500.00 required for opening balance
  • No maintenance fee if your lowest balance during the cycle is $1,500 and above
  • Interest is calculated on your daily collected balance and added to your account monthly at statement time
  • $ 15.00 Maintenance fee if your lowest balance falls below $1,500 during the cycle
  • $ .30 fee will be charged for each item deposited in excess of 20
  • $ 1.00 ATM activity fee is charged for using other than a Bank of Zachary ATM
  • $ .50 ATM balance inquiry fee when using other than a Bank of Zachary ATM
  • $ 10.00 replacement ATM/MASTER MONEY Debit Card

See our Current Rates for today's rates and annual percentage yields.

 

Business Accounts

Business Checking

  • FREE - Telephone Banking - (24 hours) 654-1516
  • Business customers are allowed an earnings credit based on the average collected balances for the month less 10% reserve requirements
  • The earnings credit rate is determined by the Bank of Zachary
  • The earnings credit is applied as an offset to the accumulated fees
  • $ 11.00 monthly maintenance fee
  • $ .15 charged for each check/debit
  • $ .09 charged for each deposited item

Qualified Non Profit Organizations

  • FREE checking if the balance remains above $500 during the statement period
  • Unlimited check writing privileges
  • FREE - Telephone Banking - (24 hours) 654-1516
  • $ 5.00 maintenance fee if the balance falls below $500 during the statement period
  • $ 100.00 is required to open the account

Business Interest Checking

  • Maintenance fee waived if your balance remains above $2,500 during the statement period
  • Interest is calculated on your daily collected balance and added to your account monthly at statement time
  • Statement and transaction images are returned on a monthly basis
  • FREE - Telephone Banking - (24 hours) 654-1516
  • $ 2,500.00 required for opening balance
  • $ 10.00 Maintenance fee is charged only if your balance falls below $2,500 during the statement period
  • $ .30 per check in excess of 30 during statement period
  • $ .15 fee will be charged for each item deposited in excess of 10

See our Current Rates for today's rates and annual percentage yields.

Now Account (Business)

Corporations and Partnerships are legally ineligible

  • Maintenance fee waived if your balance remains above $2,500 during the statement period
  • Interest is calculated on your daily collected balance and added to your account monthly at statement time
  • Statement and transaction images are returned on a monthly basis
  • FREE - Telephone Banking - (24 hours) 654-1516
  • $ 2,500.00 required for opening balance
  • $ 10.00 Maintenance fee is charged only if your balance falls below $2,500 during the statement period
  • $ .30 per check in excess of 30 during statement period
  • $ .15 fee will be charged for each item deposited in excess of 10

See our Current Rates for today's rates and annual percentage yields.

 

Debit Cards

Check Plus Account (Convenience Banking With You In Mind)

The Check Plus+ account is tied directly to your checking account. It is a credit line, ready to provide funds needed for a special purpose or as added protection against an "accidental" overdraft. Check Plus+ costs nothing unless you use it, and when you do, you pay a FINANCE CHARGE only on the outstanding balance of your loan. You can make yourself a loan as needed. You won't have to take off work to visit with one of our friendly Loan officers.

Your checking account balance will be increased in increments of $100.00 up to your approved credit limit. Payment will be deducted from your checking account balance on the first business day after your statement is cycled each month. The payment amount will be 3% of the outstanding balance, with a minimum payment of $25.00 or the balance of your account if the balance is less than $25.00. The annual percentage rate is 12.5%. Your statement will contain details of your payment.

ATM & MASTER MONEY Debit Card (Convenience Banking With You In Mind)

Apply for our convenient ATM/Debit card. The card serves a dual role as the MASTER MONEY Debit card and/or an ATM card with no annual fees. The Bank of Zachary has 4 ATM locations to serve you. We have drive up ATM's at each of our locations and we have an ATM located in the cafeteria of Lane Memorial Hospital. Once approved, you can use your Debit Card anywhere the MASTERCARD logo is displayed. Your statement contains details of where and when you used your card.

Easy to use with no hassle.
 

Lost or Stolen Debit Card? Please call 1-800-500-1044.
 

 

ATM Transaction Fees

Bank of Zachary ATM's No Charge
Non Bank of Zachary ATM Withdrawals $ 1.00 each (Interchange Fees)
Replacement Cards $ 10.00 each

If you use an ATM that is owned by another financial institution, you will be subject to ATM Interchange fees.

*A convenience fee may be charged by the owner of a Non Bank of Zachary ATM.
**Transactions may be approved that overdraw the account and a fee may be incurred.

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Lost or Stolen Debit Card? Please call 1-800-500-1044.

 

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