Lines of Credit

Bank of Zachary offers short-term financing for businesses with seasonable operations or rapid growth. Working capital lines of credit may be secured by real estate, accounts receivable, inventory, or other assets pledged by the business or business owner.

Equipment & Vehicle Financing

Financing is available for small businesses and small business owners on equipment and vehicles with a fast, local decision and competitive rates and terms.

Telephone Banking

Telephone Banking is a quick and an easy way to manage your money, 24 hours a day. Call 654-1516 anytime to check account balances, see which checks have been paid, and transfer funds between your Bank of Zachary checking and savings accounts.

How to Enroll
Call our Account Services department at
225-654-5647 to enroll today.

SecurLOCK Equip App

Protecting your family from fraudulent transactions just got easier with SecurLOCK Equip! This free mobile app lets you control when, where, and how your debit card is used right from your smartphone.

Features
  • Easily turn your card off or on
  • Set transaction spending limits
  • Get real time alerts on spending
  • Set location-based controls
  • View recent transactions and receive real-time alerts

For further details and download information:

click here

Scorecard Rewards

Simply shop, swipe, and redeem! With Bank of Zachary's Scorecard Rewards program, you can earn valuable points for every purchase you make using your ATM/MasterCard Debit Card.

Features
  • More than 1,600 items available
  • Top brand names like Apple®, Dyson and Sony®
  • All items are shipped for free
  • Redeem reward points online 24/7

Safe Deposit Boxes

Have peace of mind with a safe deposit box at Bank of Zachary.

Box Sizes

Effective Date: 4/25/2024

Safe Deposit Boxes (Rate Table)
BoxAnnual Fee
3 x 5$25
5 x 5$30
3 x 10$45
5 x 10$55
10 x 10$95
Check Availability

A limited number of Safe Deposit Boxes are available at our Main Office and our Central Office. Please give us a call or stop by either branch to check availability

Overdraft Services

Forget to record a deposit or withdrawal? Overdrafts happen, but you do have options. Bank of Zachary offers many services to help avoid overdrafts or declined transactions.

Overdraft Protection

Connect your Bank of Zachary accounts together to protect against those unexpected situations. Funds will be transferred from your designated Bank of Zachary account in $100.00 increments. These transfers occur when your account becomes overdrawn from writing a check, ATM withdrawals, or any other type of payment authorizations. Each transfer incurs a fee of $7.50.

Overdraft Privilege

If your account has insufficient available funds and you attempt to make a purchase, Overdraft Privilege may cover that transaction and related fees up to your Overdraft Privilege limit. Overdraft privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to the limit of your overdraft privilege and the amount of the overdraft fee.

Gift Card

The perfect gift for any occasion! A Bank of Zachary Gift Card can be used anywhere the VISA® logo is displayed, no matter the state or country.

Features
  • Get cash at any ATM that displays the VISA® logo
  • Buy food, clothes, or anything else at your favorite stores or restaurants
  • Get cash back with transactions using your (PIN) Personal Identification Number
  • Pump your gas & pay the attendant with your card
  • Use the Gift Card in place of Travelers Checks
  • Shop on the internet
  • Card may be loaded up to a maximum value of $500
  • Check your account balance and view account activity online or via phone
Fees

There is a one-time fee of $5 to purchase a card. You are subject to fees when using the telephone options to manage your account as well as a $2 convenience fee when using an ATM that does not belong to Bank of Zachary. Avoid additional fees by using the managing your account over the internet and by using the cash back option when you are not near a Bank of Zachary ATM.

How to Purchase a Gift Card
Please visit any of our convenient locations and a Bank of Zachary teller will be happy to help you purchase a Gift Card.

Dolphin ATM Network

With the Dolphin ATM Network, you have access to more than 1,700 ATMs throughout the country. If you’re traveling out of town for work, heading off to college, or are on the other side of town and need cash fast, you can use one of our network ATMs, surcharge-free. Get the cash you need, when you need it.

Use of non-bank ATMs or ATMs outside of the Dolphin Network may result in Out of Network surcharges by Bank of Zachary and/or by the ATM operator.

Check Plus+ Personal Line of Credit

Receive the funds you need for a special purchase and protect yourself from an overdraft with the Check Plus+ Personal Line of Credit account. Tied directly to your checking account, this credit line does not cost you anything unless you use it. If used, you will pay a finance charge only on the outstanding balance of your loan.

Features

Your checking account balance will be increased in increments of $100 up to your approved credit limit. The payment will be deducted from your checking account on the first business day following your statement cycle every month. The payment amount will be 3% of the outstanding balance, with a minimum payment of $25 or the balance of your account if the balance is less than $25. The annual percentage rate is 12.5%. Details regarding your payment will be included in your monthly statements.

Next Page »