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Checking Accounts
Accounts designed to help you reach your full potential.
Choose the best way to pay with our checking account options
True Checking
A True(ly) free checking account— enjoy all the account essentials without monthly fees or hidden charges!
- Earn competitive dividends
- NO monthly service fee
- Overdraft protection available
True Earnings Checking
Turn everyday banking into earnings that are almost too good to be true! Enjoy the freedom of our free account, plus so much more.
- Earn dividends on balances up to $15,000
- NO monthly service fee
- NO minimum balance required
True Youth Checking
Start your child's financial journey with money management that they can handle, and that you can trust!
- Spending Limits: $250 Per Day
- Number of Allowed Transactions: 10 Per Day
- No International Purchases
- No Overdraft Allowance
Accounts designed to help you reach your full potential.
Features that give you control
Reach your full potential with comfort, no service fees, and much more! ATFCU Checking accounts offer you the most comfortable and secure way to pay with a card. Plus, earn competitive dividends on your balance!
Useful Links
Checking Account Rates
Rates
Loan Type
Term
APR* as low as
Account Type
Tier
Dividend
APY*
True Checking
Tier
$0.00 to $1,499.99
Dividend
0.00%
APY*
0.00%
True Checking
Tier
$0.00 to $1,499.99
APY*
0.00%
Tier
$1,500.00 or greater
Dividend
0.05%
APY*
0.05%
Tier
$1,500.00 or greater
APY*
0.05%
True Earnings
Tier
$0.01 to $15,000.00
Dividend
4.89%
APY*
5.00% (Qualifications Met)*
True Earnings
Tier
$0.01 to $15,000.00
APY*
5.00% (Qualifications Met)*
Tier
$15,000.01 or greater
Dividend
0.05%
APY*
0.05% (Qualifications Met)*
Tier
$15,000.01 or greater
APY*
0.05% (Qualifications Met)*
HSA Checking Account
Tier
$0.00 to $1,499.99
Dividend
0.00%
APY*
0.00%
HSA Checking Account
Tier
$0.00 to $1,499.99
APY*
0.00%
Tier
$1,500.00 or greater
Dividend
0.05%
APY*
0.05%
Tier
$1,500.00 or greater
APY*
0.05%
Frequently asked questions about Checking Accounts
FAQs
Have questions? We have answers!
Get answers to frequently asked questions about Austin Telco accounts and services.
I opened my account online. Can I still visit a branch to get my debit card?
How do I report a lost or stolen debit card?
Are there fees for Early Direct Deposit?
Can I split my direct deposit?
What is Early Direct Deposit?
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We’d love to hear from you! Remember, NEVER submit personal financial information through our contact form.
Disclosures
*APY = Annual Percentage Yield
Ready to transform the way you bank? Join today.
From Georgetown to San Marcos, and everywhere in between, we’re staying Telco True. Start building a True Financial Future with us today.
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