Who do you bank with? (Louisiana)

Campus Federal Lagniappe for a smaller bank account. 2.31 percent up to 10k. App works fine. 1 auto withdrawal, paperless, and 15 debits a month is only criteria. The rest is invested elsewhere.

I don’t need physical banks so I handle everything via mobile and online. It’s been good for me the last 5+ years.

Chase by default

First Commerce -> Bank One -> Chase

United Community Bank, based in Raceland with offices in Lafourche Parish, Houma, Praireville, Baton Rouge, and Gonzales.

Free checking,

Once you do 15 Debit transactions:

4% interest on checking up to 25,000,
free ATM withdrawals at any ATM, reimbursement for ATM fees up to 20 dollars per month (these 2 have been nice especially at the casino, where ATM fees are pretty high)

They are also part of a network called Community Cash where they share a local network of ATMs in the gulf south where you can use another banks ATM and not get hit with foreign bank fees. I have used this a lot to to avoid ATM fees.

USAA
Red River Bank (only to deposit cash and then transfer to USAA)

Iberia

Was with Hibernia, which was bought by Capital One. I like Cap One. They are closing a lot of branches and going more machine and online, so avoid them if in person service is important for you.

I seldom go in one. The online and app are good. They allow you to easily set up Money Market and online CDs at good rates, often among the higher in the country. I have CDs at 2.3 and MM at (I think) 1.8%.

You can log on to one account and see checking, MM, CDs, and credit cards. Their Savor mastercard has a $95 annual fee after a year, but it pays 4% cash back for dining and concert tickets, 2% groceries, and 1% for other. Quicksilver VISA is 1.5% on everything.

Chase

Axos

no matter who you bank with always make sure you have a checking account that has zeros fees and charges for things.

Typically online accounts are the way to go.

Same for online savings account whose interest rates are triple what you will get at a brick and mortar.