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
• Early Direct Deposit
• Free Online Banking
• Free Mobile Banking and mobile check deposit
  
• Earn competitive interest on your deposits
• Free Visa debit card for fast, easy purchases
• Free access to your funds at 300+ ATMs
• Overdraft Services

Telco Free Checking Account

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.

**An average daily balance of $1500 is required to obtain the Annual Percentage Yield for the monthly dividend period.

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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

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ATFCU Debit Cards

Elevate your purchasing experience with the Austin Telco Visa Debit Card. Enhanced with both EMV Chip and tap technology, our card promises you a secure and efficient transaction process. Each time you use the chip at an activated terminal, it generates a unique one-time code, acting as a robust shield against potential fraud.

With the tap feature, you can enjoy quicker checkouts without compromising security. Simply tap your card at compatible terminals for a seamless payment. Whether you're shopping online or in-store, the Austin Telco Visa Debit Card ensures funds are directly debited from your ATFCU checking account, eliminating the need for paper checks and their associated fees.

Your monthly statement offers a clear record of all your debit card transactions, aiding in effective financial management. Trusted and accepted at millions of locations globally, wherever you spot the VISA logo, rest assured, your ATFCU Visa Debit Card is welcome there.

Our cards are also compatible with Apple Pay and Google Pay, and Samsung Pay through our Digital Wallet.

Visa's Zero Liability Policy^*

Visa's Zero Liability Policy is our guarantee that you won't be held responsible for unauthorized charges made with your account or account information.

What should you do if you suspect a fraudulent charge

1. Review your transactions: The best way to spot suspicious transactions is to stay on top of your account activity. Get in the habit of reviewing your monthly statements to quickly spot anything that seems off.
2. Report suspicious charges immediately: If you have identified suspicious charges, report them to ATFCU. It is important to report suspicious transactions in a timely manner. 
3. Get quick resolution: Once an unauthorized transaction is reported, ATFCU will investigate so you can have the issue corrected quickly.

^*Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more details.

ATMs

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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