Free Checking

Woman smiling while writing in a checkbook

Since 1941 Austin Telco has opened 24 locations to serve the Austin Metro Area with an array of high quality products and services such as our Free Checking. Telco Free checking accounts come with serveral advantages beyond other financial institutions' checking accounts.


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%**
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

Picture of of a couple driving a red convertible down a road. The text reads "Auto Loans: New, Used, and Refinance. As low as 1.90% APR^1 up to 60 months. Click here for more info" when you click on the image it takes you to the auto loan page.


Large two story home with a clear sky in the background. Text reads, "Home Equity Loans: As low as 3.35% APR^1 5 years fixed. Click here for more info" Clicking on the image takes you to the Home Equity page.



It only takes a few minutes to become an Austin Telco FCU member! Click the link below to open your account online!

Yellow button that reads "Join Online!" clicking the button takes you to the membership application page.

Woman sitting on her couch while writing on a paper infront of her laptop while smiling.

Switch Kit

With our simple Switch Kit, we take the worry out of changing financial institutions. Moving your account to Austin Telco Federal Credit Union is fast, simple, and convenient. Click here to learn more.

To join by mail, download the New Account Packet, print, complete and mail to our main office, or bring by any branch location.

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.