Stack Checking & Savings Bundle

People who want to earn higher monthly dividends just for using their checking account!
  • Earn 4.11% APY on Stack Checking balances up to $20,000
  • Earn 2.50% APY on Stack Savings balances up to $50,000 
  • Unlimited ATM fee refunds
  • Get paid one day early4
  • Easy monthly qualifications to earn dividends 

Cash Back & Stack Savings Bundle 

People who want to earn cash back while they spend.
  • Earn up to $10 per month on debit purchases2
  • 2.50% APY on Stack Savings balances up to $50,000
  • Get paid one day early4
  • Unlimited ATM fee refunds 
  • Easy monthly qualifications to earn cash back










































Pay with Personality

Open a Pelican checking account and choose from our 7 custom debit card colors! Already an accountholder and want to Pay with Personality? Stop by a branch to get a new card printed instantly or contact us in MyPelican to have it mailed to you!5
 
Bayou Blue
Gator Green
Sunshine Orange
Crawfish Red
Strawberry Pink
Iris Purple
Magnolia White
Your Money, but BETTER—with a Free Stack Checking Account and unlimited ATM refunds1.
Benefits
  • Earn 4.11% APY¹ on Stack Checking balances up to $20,000
  • Earn 2.50% APY¹ on Stack Savings balances up to $50,000
  • Unlimited ATM fee refunds¹
  • Get paid one day early4
  • Easy monthly qualifications to earn dividends
Why Offer Such a Great Rate?
It's simple—as a not-for-profit and member-owned institution, Pelican believes in improving the lives of our members and communities, in Louisiana and beyond. This is just one of the many ways Pelican Pays!
Qualifying is Easy!
All you have to do is complete these 4 easy requirements during the monthly qualification cycle:
  • Be enrolled and receive FREE eStatements
  • Be enrolled in and log into MyPelican
  • Have at least 15 debit card purchases post and settle
  • Have at least 1 direct deposit, online bill payment, or automatic payment (ACH) post and settle
That's it! Best of all, there's no penalty if you come up short. In fact, you still earn dividends. So, join today to open an account online, and let Pelican Credit Union put your money to work.

Learn more about monthly qualification cycles and to see the date range for each cycle.

Turn your receipts into bona fide cash—get up to $10 cash back every month when you use your free Visa® debit card to make purchases.

Get paid to go shopping! Free Cash Back checking pays 4% cash back (up to $10) on everyday purchases you make with your debit card. You’ll also get unlimited refunds on your ATM fees, nationwide!2 That’s what Cash Back does—puts money right where it belongs, which is back in your pocket.

Benefits

  • Earn up to $10 per month on debit purchases
  • Get paid one day early4
  • 2.50% APY on Stack Savings balances up to $50,000
  • Unlimited ATM fee refunds
  • Easy monthly qualifications to earn cash back 

Qualifying is Easy!

To earn your rewards, complete these simple tasks in your Cash Back account during each monthly qualification cycle:
  • Be enrolled in and receive FREE eStatements
  • Be enrolled in and log into MyPelican
  • Have at least 15 debit card purchases post and settle
  • Have at least 1 direct deposit, online bill payment, or automatic payment (ACH) post and settle
That’s it! There’s no penalty if you don’t meet your qualifications during the cycle. Plus, you can get right back to earning your rewards the very next month that you qualify. Open your Cash Back account online today!

Learn more about monthly qualification cycles and to see the date range for each cycle.













Save Automatically with Stack Savings

Saving is effortless when you link your Stack Checking account with a Stack Savings! Your rewards will automatically transfer each month, and you'll earn up to 2.50% APY on balances up to $50,000, and 1.51% APY on any additional balance over $50,000.3
 
To link a Saving to your account, simply add the Stack Savings as a product when you apply.


¹Pelican Credit Union membership is required to open a Stack Checking account. To become a member, you must open and maintain the required share account. The par value of one share is $5.00, and one share is required for membership. A minimum deposit of $25.00 is required to open a Stack Checking account. Pelican reserves the right to limit Stack Checking accounts to one per primary account holder Social Security number. Not everyone will qualify to open an account. Stack Checking is a tiered-rate account. The dividend rate and Annual Percentage Yield (APY) may change at any time as determined by the Credit Union’s Board of Directors. The dividend rate and APY are the rate and yield as of the last dividend declaration date, which is set forth in the Rate Schedule. If your average daily balance is $20,000.00 or below and your Stack Checking account meets all minimum service requirements during the qualification period, the first dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. If your average daily balance is greater than $20,000.00 and your Stack Checking account meets all minimum service requirements during the qualification period, the second dividend rate and range of APYs listed for this account in the Rate Schedule will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. The minimum service requirements include: (1) making 15 debit card point-of-sale purchases that are cleared and posted to your account during the qualification period; ATM transactions do not qualify; (2) having direct deposit, ACH debit, ACH credit, or Bill Pay transaction posted to your Stack Checking account; (3) accessing online banking once during the qualification period; and (4) receiving your monthly statement electronically. If you meet all minimum service requirements during the qualification period, all nationwide ATM fees will be refunded by the second day of the next calendar month. Dividends earned and ATM fees refunded on the Stack Checking account will automatically be transferred to the Stack Savings Share account, if available, during the first week of the next calendar month. If you do not meet all minimum service requirements during the calendar month, the third dividend rate and APY listed in the Rate Schedule will apply to the entire balance in your Stack Checking account. The qualification period is defined as a period beginning on the last day of the prior calendar month and ending on the next-to-last day of the calendar month in which the dividends are paid. For complete account terms, limitations, and current rate information, refer to Pelican’s Truth-in-Savings Disclosure, Rate Schedule, and Schedule of Fees and Charges. Federally insured by NCUA. Pelican Credit Union membership is required to open a Stack Savings account. Stack Savings is available only to holders of a Stack Checking account. The required membership share account must be opened and maintained in accordance with Pelican’s membership requirements. Pelican reserves the right to limit Stack Savings accounts to one per primary account holder Social Security number. Stack Savings is a tiered-rate account. The dividend rate and Annual Percentage Yield (APY) may change at any time as determined by the Credit Union’s Board of Directors. The dividend rate and APY are the rate and yield as of the last dividend declaration date, which is set forth in the Rate Schedule. If the average daily balance in your Stack Savings account is $150,000.00 or below and your Stack Checking account meets all minimum service requirements during the qualification period, the first dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. If the average daily balance in your Stack Savings account is greater than $150,000.00 and your Stack Checking account meets all minimum service requirements during the qualification period, the second dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. If your Stack Checking account does not meet all minimum service requirements during the calendar month, the third dividend rate and APY listed in the Rate Schedule will apply to the entire balance in your Stack Savings account. The qualification period is defined as a period beginning on the last day of the prior calendar month and ending on the next-to-last day of the calendar month in which the dividends are paid. For complete account terms, limitations, and current rate information, refer to Pelican’s Truth-in-Savings Disclosure, Rate Schedule, and Schedule of Fees and Charges. Federally insured by NCUA. 
2Pelican Credit Union membership is required to open a Cash Back account. To become a member, you must open and maintain the required share account. The par value of one share is $5.00, and one share is required for membership. A minimum deposit of $25.00 is required to open a Cash Back account. Not everyone will qualify to open an account. No dividends are paid on this account. However, you may qualify for ATM fee reimbursements and cash back rewards if you meet all minimum service requirements during the qualification period. The minimum service requirements include: (1) making 15 debit card point-of-sale purchases that are cleared and posted to your account during the qualification period; ATM transactions do not qualify; (2) having direct deposit, ACH debit, ACH credit, or Bill Pay transaction posted to your Cash Back account; (3) accessing online banking once during the qualification period; and (4) receiving your monthly statement electronically. If you meet all minimum service requirements during the qualification period, all nationwide ATM fees will be refunded by the second business day following the end of the last day of the statement cycle. Purchases up to $250.00 will receive 4.00% cash back, with a maximum of $10.00 per statement cycle. The qualification period is defined as a period beginning on the last day of the prior calendar month and ending on the next-to-last day of the calendar month. For complete account terms, limitations, and current fee information, refer to Pelican’s Truth-in-Savings Disclosure, Rate Schedule, and Schedule of Fees and Charges. Federally insured by NCUA. Pelican Credit Union membership is required to open a Stack Savings account. Stack Savings is available only to holders of a Stack Checking account. The required membership share account must be opened and maintained in accordance with Pelican’s membership requirements. Pelican reserves the right to limit Stack Savings accounts to one per primary account holder Social Security number. Stack Savings is a tiered-rate account. The dividend rate and Annual Percentage Yield (APY) may change at any time as determined by the Credit Union’s Board of Directors. The dividend rate and APY are the rate and yield as of the last dividend declaration date, which is set forth in the Rate Schedule. If the average daily balance in your Stack Savings account is $150,000.00 or below and your Stack Checking account meets all minimum service requirements during the qualification period, the first dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. If the average daily balance in your Stack Savings account is greater than $150,000.00 and your Stack Checking account meets all minimum service requirements during the qualification period, the second dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. If your Stack Checking account does not meet all minimum service requirements during the calendar month, the third dividend rate and APY listed in the Rate Schedule will apply to the entire balance in your Stack Savings account. The qualification period is defined as a period beginning on the last day of the prior calendar month and ending on the next-to-last day of the calendar month in which the dividends are paid. For complete account terms, limitations, and current rate information, refer to Pelican’s Truth-in-Savings Disclosure, Rate Schedule, and Schedule of Fees and Charges. Federally insured by NCUA. 
3Pelican Credit Union membership is required to open a Stack Savings account. Stack Savings is available only to holders of a Stack Checking account. The required membership share account must be opened and maintained in accordance with Pelican’s membership requirements. Pelican reserves the right to limit Stack Savings accounts to one per primary account holder Social Security number. Stack Savings is a tiered-rate account. The dividend rate and Annual Percentage Yield (APY) may change at any time as determined by the Credit Union’s Board of Directors. The dividend rate and APY are the rate and yield as of the last dividend declaration date, which is set forth in the Rate Schedule. If the average daily balance in your Stack Savings account is $150,000.00 or below and your Stack Checking account meets all minimum service requirements during the qualification period, the first dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. If the average daily balance in your Stack Savings account is greater than $150,000.00 and your Stack Checking account meets all minimum service requirements during the qualification period, the second dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. If your Stack Checking account does not meet all minimum service requirements during the calendar month, the third dividend rate and APY listed in the Rate Schedule will apply to the entire balance in your Stack Savings account. The qualification period is defined as a period beginning on the last day of the prior calendar month and ending on the next-to-last day of the calendar month in which the dividends are paid. For complete account terms, limitations, and current rate information, refer to Pelican’s Truth-in-Savings Disclosure, Rate Schedule, and Schedule of Fees and Charges. Federally insured by NCUA. 
4Early Bird Direct Deposit is available for Pelican members with checking or savings accounts that set up direct deposit with their employer or other payroll provider to receive electronic deposits. Pelican will post ACH deposits once received from the Federal Reserve, which can be before the actual effective date. Early posting of deposits is not guaranteed and is dependent on the deposit being received before the effective date. Restrictions and limitations may apply.