Chocolate Bayou offers a broad range of money management tools to make maintaining your finances easy.

Home Banking + Bill Pay

Chocolate Bayou Home Banking allows you to monitor and manage your Chocolate Bayou accounts from the comfort of your home computer.

  • Review your balances and account transactions — including pending debit card transactions
  • Apply for a loan
  • View or print a current account history
  • Make loan payments
  • Transfer funds to other accounts within the credit union
  • Pay bills, set up recurring payments, and more
  • 24/7 access

Mobile Banking

Chocolate Bayou Mobile Banking allows you to monitor and manage your Chocolate Bayou accounts from nearly anywhere.

  • Manage multiple accounts with one login: make transfers, check balances, see transaction history and more!
  • Send money to accounts or people within or outside of the credit union
  • Send texts for balance and transaction history
  • Deposit a check with a photo
  • Find Shared Branching locations/li>
  • 24/7 access
  • More!


eStatements are the quickest way to receive your monthly statements; they’re more secure than having a statement sit in your mailbox vulnerable to identity thieves; they won’t clutter your counter- or desk-top; and they are the environmentally-friendly option!

“Audio Annie” Automated Phone Banking

Want to check your balance or make a transfer any time of the day or night? Well it’s as easy as picking up the phone with Audio Annie, our automated phone system.

  • Call (281) 331-8000
  • Real-time transfer of funds between accounts
  • Make loan payments
  • Review you account balances
  • Review account history
  • 24/7 access
  • FREE

Shared Branching

Chocolate Bayou Credit Union participates in the co-op Shared Branching network, which allows Chocolate Bayou members to conduct transactions at nearly 3,500 participating credit unions across the United States.