woman holding atfcu visa card and smiling

Free Checking

We offer great value at an even better price

A good checking account comes with cutting-edge digital banking tools, easy ATM access and a free Visa debit card. An exceptional checking account delivers all that - and more - without charging you a single dollar in fees. At Austin Telco, our go-to account is packed with free features that provide you with 24/7 access to your money from anywhere and everywhere.

  • $0 monthly service charge
  • $0 per check charge
  • Free Online Banking
  • Free Mobile Banking and mobile check deposit
  • Free Text Banking
  • Earn competitive interest on your deposits
  • Free Visa debit card for fast, easy purchases
  • Free access to your funds at 300+ ATMs

Telco Free Checking Account

Advantage Fee
Monthly Service Charge
Minimum Daily Balance $0
Per Check Charge $0
Customer Services Local
Online Banking Free
Mobile Banking Free
Text Banking Free
Bill Pay Up to 15 bills free per month*
Dividends .05%**
Account Alerts Free
Visa Debit Card Free
Mobile Deposit Free
ATMs in Network 300+ Free

To understand the difference between actual balance and the available balance as well as the different types of transactions that post onto your account, click here.

*You may pay up to 15 bills for free per month, any additional bill will be $0.35.
**An average daily balance of $1500 is required to obtain the Annual Percentage Yield for the monthly dividend period.

What does it mean to have a TRUE Chance?

We know life happens, and not everyone receives a second chance.

That is why we offer Telco True Chance Checking accounts. We want to give those who have been turned down by other financial institutions a real chance, a TRUE Chance, at gaining and maintaining true financial stability.

Our checking account offers many advantages including:

  • $0 monthly service charge
  • $0 per check charge
  • Free Online Banking and Mobile Banking App

Debit Cards

austin telco visa credit card

Your Austin Telco Visa Debit Card features an embedded chip that improves security every time you make a purchase at a chip activated terminal. This chip protects you from fraud by creating a one-time use code for each chip transaction. Austin Telco Federal Credit Union's VISA Debit Card is a great way to pay for purchases online or in stores.  When you use your VISA Debit Card, purchases are deducted directly from your ATFCU checking account without the hassle of having to write a check. Your monthly statement will also provide you with a record of all your VISA debit card purchases. In addition to saving time, it reduces costly check printing fees. Your ATFCU VISA Debit Card is everywhere you want to be! Accepted at millions of locations worldwide, anywhere the VISA logo is displayed.


In the spirit of financial cooperatives, Austin-area Credit Unions have joined forces to provide our members with a FREE ATM network. All members of participating Credit Unions now have the convenience of using any ATM within the network for ATM and Debit Card transactions at no charge*. Simply visit any ATM location listed at the below link and stop paying those unnecessary surcharge or transaction fees.

ATMs are available in the following cities: Arlington, Austin, Bastrop, Bee Cave, Bryan, Buda, Cedar Park, College Station, Cypress, Dallas, Del Valle, Dickinson, Edinburg, Galveston, Georgetown, Houston, Hutto, Leander, Pflugerville, Round Rock, San Antonio, San Marcos and Tyler.

*Does not include Credit Card transactions.

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