Free Checking

Woman smiling while writing in a checkbook

Austin Telco Free Checking comes with several advantages including: no monthly fees, no minimum balance, no per check charge, Free Bill Pay*, 300+ Free ATMs, and 24 Metro Locations! You can also access your account 24/7 with free Online and Mobile banking. Our free checking is perfect for those looking for second chance checking that need help rebuilding their credit. Below is a full list of account advantages:


Telco Free Checking Account
Monthly Service Charge $0
Minimum Daily Balance $0
Per Check Charge $0
Customer Service Local
Online Banking Free
Mobile Banking Free
Text Banking Free
Bill Pay Free*
Dividends .05%**
Account Alerts Free
Visa Debit Card Free
Mobile Deposit Free
ATMs in Network 300+ Free
Online Check Re-order System
Overdraft Services
Online Statements & Tax Forms

Auto Loans


Home Equity


Couple standing in front of For Sale sign with a Sold sticker over it and holding keys in front of them while smiling at the camera. The text reads, "Mortgage Loans, Compare our great rates and save! Click here for more info." When you click the image it takes you to the Mortgage Loan page.

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.

To become a member and open a checking account, click the button below.

Join Online Button

Each member is required to have a savings account, which represents your share in the credit union. There is a $25 minimum balance required as long as the account is open; this is a deposit that belongs to the member.

*You may pay up to 15 bills for free per month, any aditional bill will be $0.35.

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