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Amplify FCU
PO Box 85300
Austin, TX 78708
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Amplify Free Checking has everything you need in a checking account

Checking Simplified

FREE CHECKING ACCOUNT

Liberate yourself from minimum balances and monthly fees

Amplify Free Checking Account has everything you need in a checking account

Checking Simplified

FREE CHECKING ACCOUNT

Liberate yourself from minimum balances and monthly fees

FREE CHECKING ACCOUNT FEATURES

  |  Straightforward checking for everyday needs


  • No monthly maintenance or service fees1
  • No minimum balance to avoid a fee
  • Open your Free Checking with as little as $25 to start
  • Local, personal service here in Austin, TX
  • Go paperless and choose eStatements and electronic delivery for important notifications
  • Free, instant-issue MasterCard® Debit Card when you open your checking account at a branch. Opening online? Your Debit Card will arrive by mail
  • Access to more than 300 free credit union ATMs in the Austin-area through the Alliance of Austin Credit Unions
  • Have direct deposit? We’ll waive our ATM fee and reimburse any ATM fees you’re assessed
  • Manage your accounts anytime, anywhere with Amplify’s Online Banking and Mobile App
  • Deposit checks using your smartphone camera with Mobile Check Deposit, available in the mobile app
  • Pay bills online for free with Bill Pay
  • Stay in control of your finances with email and text message eAlerts
Add your Amplify credit or debt cards to Apple Pay today

FREE CHECKING PERKS & ADD-ONS

  |  Because you're anything but basic

Get every ATM fee reimbursed on your free checking account

Every ATM Fee Reimbursed

Set up monthly direct deposit to your Amplify Free Checking account and we’ll automatically reimburse every ATM fee you come across. The out-of-network ATM fee is also waived.

Automatic transfers to your savings from your checking account

Apple Pay

Add your Amplify debit and credit cards to Apple Pay using your iPhone, Apple Watch, or iPad to make purchases using contactless payment technology and breakthrough security features.

The best checking accounts are free and come with free debit cards

MasterCard® EMV Debit Card

Your Amplify MasterCard® Debit Card comes with EMV chip security, zero-liability protection against unauthorized purchases, ID theft resolution services, and more!

Set Overdraft Protection & Privilege Pay for your checking account to avoid being declined at the register

Overdraft Protection &
Privilege Pay

Amplify offers multiple overdraft protection options with fees as low as $5 or $30, so you won't get declined at the register.

COMPARE

  |  Compare checking account options at other financial institutions



Bank or Credit Union Amplify Credit Union
Free Checking
Bank of America
Core Checking*
Wells Fargo
Everyday Checking*
Minimum to Open $25.00 $25.00 $50.00
Min. Average Daily Balance
to Avoid Fee
$0 $1,500 $1,500
Monthly Fee
(if other minimums aren't met)
$0 $12.00 $10.00
Overdraft Protection Transfer Fee
(from Savings Account)
$5.00 $10.00 $12.50
Privilege Pay/ NSF Fee
(account goes negative)
$30.00 $35.00 $35.00
Official Checks 1 free per month, then $3.00 each $10.00 each $10.00 each
Free Coin Counter
at Every Location?
Yes No No

*For informational purposes only. Based on market survey as of January 21, 2016.

BUDGETING CALCULATOR



Click here for our Budgeting and Cash Flow Calculator

Calculate your monthly bills and expenses with our Cash Flow calculator

FAQs

  |  We have answers

FEES

Paper Statement Fee (should you not choose eStatements) $2.25
Out-of-Network ATM Fee (in addition to fee charged by ATM operator) $1.50
Domestic Outgoing Wire Transfer Fee (each) $15.00
Notary Public Service Free
Use of Lobby Coin Counting Machine Free

Amplify’s complete Consumer Fee Schedule located HERE.

TIPS FOR FINANCIAL SUCCESS

  |  Because your financial success is ours



Easy tips for lowering your bills and saving money

Amplify Your Credit Score

This infographic covers credit basics, why your score is important, and easy ways to improve your credit score.

Tips for managing your money and credit well

5 Habits of the Financially Fit

Amplify Credit Union offers all the budgeting and money management tools to reach your financial goals.

Saving money is a habit that starts with self-awareness and discipline

How to Save Money

Learning how to save money is a habit that starts with awareness, self-discipline, and an understanding that every penny counts.

Why you should be excited about EMV, aka the credit card chip

What's Up With This Credit Card Chip?

Our friends at MasterCard® put this infographic together to show you the security benefits of using your new EMV credit or debt card.

1. Amplify Free Checking has no monthly Service Fee with eStatements. A $2.25 processing fee will be charged for each paper statement on the Free Checking account, should you choose not to accept eStatements. No ATM fees when you have direct deposit every 35 days. Other financial institutions or merchants may charge for use of their ATM. If you have direct deposit into your Free Checking Account, Amplify will automatically refund this charge to your account the next business day. Amplify's definition of Direct Deposit is every 35 days, and reclassification occurs on the first day of the month following your initial direct deposit.

2. Line of Credit subject to credit approval. If used for Overdraft Protection, Amplify will transfer the exact amount needed to over your transaction. Interest accrues starting from the date of the transfer.

3.Privilege Pay fee $30.00 per transaction. You must immediately bring your account to positive balance. Payment of transactions is discretionary, and Amplify reserves the right not to pay if account is not in good standing.

Careers  |   Forms & Disclosures  |   FAQ  |   Privacy & Security  |   NMLS# 530487  |   Routing Number: 314977227
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