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PRODUCTS & SERVICES

NOTICE:  By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category.  For more information, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html

CHECKING ACCOUNTS  

Regular Checking

Feliciana Bank and Trust Company is happy to present our Regular Checking Account with the following features:

  • You must deposit at least $100.00 to open
  • No monthly service charge if you maintain a $500.00 average daily balance
    The average daily balance is calculated by adding the principal in the account each day of the period and dividing that figure by the number of days in the period
  • $10.00 monthly service charge if average daily balance is not maintained
  • Unlimited check writing
  • Unlimited deposits
  • Monthly imaged statements
  • Stop payment charge is $30.00 per item
  • Overdraft fee is $30.00 per item
  • Returned Item fee for NonSufficient funds (NSF) is $30.00 per item
  • Overdraft protection available by linking DDA or Savings Account to Checking Account
  • ATM/Debit cards available
  • An early closeout fee of $10.00 will be charged if the account is closed within 30 days after opening
  • Additional fees listed in the Other Service and Fees section may apply to this account 

bonus banking

A Checking account with Extra features:

  • You must deposit $100 to open this account
  • $6.00 monthly service charge applies to this account
  • No minimum balance required
  • ATM/Debit cards available
  • Returned Item fee for NonSufficient funds ( NSF) is $30.00 per item
  • Overdraft fee is $30 per item
  • Stop payment charge is $30.00 per item
  • Monthly imaged statements
  • Unlimited Check writing
  • One (1) free box of checks
  • $20,000 accidental death and dismemberment (AD&D) insurance
  • Identity IQ protection 
  • Identity Theft 911
  • Shopping rewards
  • Travel rewards
  • Prescription Drug Discounts
  • Vision & Eyewear savings
  • Estate Organization software

Please call 225-683-8565 to ask for details on this account  

 

Senior Citizen Checking

Feliciana Bank and Trust Company honors Senior Citizens by offering a special checking account:

  • $100.00 deposit required to open
  • No monthly service charge if 62 years of age or older
  • You must apply for this account
  • Must be able to provide proper birth date verification
  • Unlimited check writing
  • Unlimited deposits
  • Monthly imaged statements
  • Stop payment charge is $30.00 per item
  • Overdraft fee is $30.00 per item
  • Returned Item fee for NonSufficient Funds (NSF) is $30.00 per item
  • Overdraft protection available by linking DDA or Savings Account to Checking Account
  • ATM/Debit cards available
  • An early closeout fee of $10.00 will be charged if the account is closed within 30 days after opening
  • Additional fees listed in the Other Service and Fees section may apply to this account.

Student Checking

While continuing your education, Feliciana Bank and Trust Company offers a special account for students:

  • Minimum deposit of $100.00
  • Only full time students qualify
  • You must show proof of enrollment
  • No minimum balance required to avoid a monthly service charge
  • Unlimited check writing
  • Unlimited deposits
  • Monthly imaged statements
  • Stop payment charge is $30.00 per item
  • Overdraft fee is $30.00 per item
  • Returned Item fee for NonSufficient Funds (NSF) is $30.00 per item
  • Overdraft protection available by linking DDA or Savings Account to Checking Account
  • ATM/Debit cards available
  • An early closeout fee of $10.00 will be charged if the account is closed within 30 days after opening
  • Additional fees listed in the Other Service and Fees section may apply to this account.

MONEY MARKET CHECKING ACCOUNT

For customers who want an interest bearing Checking Account with limited check writing privileges:        

  • You must deposit $2,500.00 to open this account
  • Your interest rate and annual percentage yield may change
  • We may change the interest rate on your account at any time
  • Interest will be compounded every month.  Interest will be credited to your account every month
  • If you close your account before interest is credited, you will not receive the accrued interest
  • You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield
  • A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle
  • We use the collected daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day
  • An early closeout fee of $10.00 will be charged if the account is closed within 30 days after opening
  • A $2.00 fee will be assessed for each debit from your account over six per month 
  • Additional fees listed in the Other Services and Fees section may apply to this account
  • Transfers from a Savings Account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six per month.

NOW ACCOUNT

For customers who want an interest bearing checking account with unlimited check writing privileges:

  • You must deposit $2,000.00 to open this account
  • Your interest rate and annual percentage yield may change
  • We may change the interest rate on your account at any time
  • You must maintain a minimum balance of $2,000.00 in the account each day to obtain the disclosed annual percentage yield
  • A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,000.00 any day of the cycle
  • We use the collected daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day
  • Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example checks)
  • Not available to corporations
  • Unlimited deposits
  • No limitations on withdrawals  
  • An early closeout fee of $10.00 will be charged if the account is closed within 30 days after opening.  Fees listed in the Common Features section may apply to this account
  • Additional fees listed in the Other Services and Fees section may apply to this account.

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BUSINESS CHECKING

Commercial Checking Account

Feliciana Bank & Trust Company offers a Commercial Checking Account for our business customers.  Open your Commercial Checking Account with Feliciana Bank for your business banking needs:

  • You must deposit at least $100.00 to open this account
  • A service charge fee of $10.00 will be imposed every statement cycle if the average daily balance for the cycle falls below $1,000.00. The average daily balance is calculated by adding the principal in the account each day of the period and dividing that figure by the number of days in the period
  • An early closeout fee of $10.00 will be charged if the account is closed within 30 days after opening
  • Unlimited deposits
  • Unlimited check writing
  • Monthly imaged statements
  • Stop payment charge is $30.00 per item
  • Overdraft fee is $30.00 per item
  • Returned Item fee for NonSufficient Funds (NSF) is $30.00 per item
  • ATM/Debit cards available
  • Additional fees listed in the Other Services and Fees section may apply to this account.

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SAVINGS ACCOUNTS

Statement Savings Account

Open a Feliciana Bank Personal Savings Account for yourself with only $50.00:

  • Your interest rate and annual percentage yield may change
  • We may change the interest rate on your account at any time
  • Interest will be compounded and paid every quarter
  • You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield
  • Daily balance of $100.00 or more earns interest at our regular savings rate
  • Unlimited deposits
  • An excess withdrawal fee of $2.00 will be charged for each withdrawal in excess of three during a quarter
  • Statements mailed quarterly, statements with ACH activity mailed monthly
  • Transfers from a Savings Account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six per month
  • Christmas Club Account
  • Additional fees listed in the Other Services and Fees section may apply to this account.
  • An early closeout fee of $10.00 will be charged if the account is closed within 90 days after opening.

CHRISTMAS CLUB ACCOUNT

Have the money you need for Christmas by opening a Christmas Club Account today:

  • Only requires a $5.00 opening deposit
  • You must maintain a minimum balance of $5.00 in the account each day to obtain the disclosed annual percentage yield
  • No withdrawals allowed until maturity
  • A check for the funds in the account will be mailed to you by October 31st
  • New club year begins November 1st of each year
  • Your interest rate and annual percentage yield may change
  • We may change the interest rate on your account at any time
  • We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day
  • Additional fees listed in the Other Service and Fees section may apply to this account.  There are no service charges for this account.

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CERTIFICATES OF DEPOSIT

CERTIFICATE OF DEPOSIT

If you are looking for an FDIC insured investment paying a higher interest rate, a Feliciana Bank Certificate of Deposit may be right for you.  We can customize a certificate of deposit to meet your needs with maturities from 30 days to 5 years:

  • Minimum to open $1,000.00
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day
  • You can withdraw interest accrued in the term before maturity of that term without penalty
  • You can withdraw interest credited in the term before maturity of that term without penalty.  You can withdraw interest at any time
  • You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield
  • Penalties are assessed for early withdrawals.

IRA CERTIFICATES OF DEPOSIT

Start saving for your future with an Individual Retirement Account.  Various IRA’s are available.  Please call 225-683-8565 for additional information.

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Loan Services

LOANS

Feliciana Bank and Trust Company is your hometown bank offering a variety of loans with competitive rates and flexible terms.  Our experienced and friendly staff of loan officers will be glad to assist you.  Your credit needs and personal relationships are important to us.  We appreciate you and understand that borrowing money is an essential part of life these days. We are constantly looking for ways to make the application and approval process both fast and “painless”. All loans are subject to credit approval. Equal Opportunity and Equal Housing Lender.

Real Estate:

Personal Loans
Commercial Loans
Long Term Home Loans
Interim Construction Loans

Consumer/Personal Loans

Commercial/Business Loans

Agricultural Loans

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