New Visa Debit Card Being Held

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

ATFCU Debit Cards

Debit Card - Dark Blue

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.


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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