Free Checking Account

Enjoy the benefits of fee-free banking with an Amplify checking account.

Fee-Free Checking

No More Banking Fees No More Overdrafts No More Worrying
Open an Account

Goodbye to Fees

Your checking account should protect your spending, not punish it. But with overdraft fees and maintenance fees at record highs¹, we thought it was time someone broke the cycle.

Amplify Logo Other Banks
Monthly Maintenance Fees $0.00 $13.95¹
Overdraft Fees $0.00 $30.82¹
Wire Transfer Fees $0.00 $26.00¹

¹Based on data from Bankrate and MoneyRates.


Free overdraft protection

With Rebound, Amplify’s free overdraft protection service, eligible members can temporarily overdraft their accounts up to a specified limit. And qualified usage of Rebound will never impact your credit score² or your membership status.

Fee-Free Spending

With fee-free banking, your day-to-day transactions will never be subject to costly overdraft fees or surprise surcharges. Here are just a few ways to use your Amplify Mastercard® and get the most from your fee-free experience.

Budget Your Spend

Get the most from fee-free banking by using your debit card for everyday spending and recurring transactions.

Protect Your Spend

Get peace of mind with Zero Liability Protection from Mastercard®. Add security by registering for ID Theft Protection™.

Stretch Your Spend

Save on processing fees when you use your debit card to make payments in Cash App, Venmo, and PayPal.

Streamline Your Spend

Skip the hassle of reentering card information by adding your debit card to your digital wallet, Apple Pay, Google Pay, or Samsung Pay.


Mobile-first banking

Take your fee-free experience to the next level with online banking at Amplify. Use your phone to deposit checks, transfer funds, or review your transaction history. It’s kind of like a branch that fits in your pocket.

Leave your bank behind

Our ClickSWITCH tool makes it simple to switch your transactions to Amplify. You provide a few pieces of basic information, we locate your recurring payments and online subscriptions and transfer them to your Amplify checking account.

Learn more about fee-free banking

Want to learn more about fee-free banking? Visit our fee-free page to learn more about our account benefits (including free overdraft protection).


¹”Bank fees and minimum balances have risen to record highs, survey finds,” Marketplace (10/2021)
²When you overdraft your account with Rebound overdraft protection, you must bring your account back to a positive balance within 14 days. If your account remains negative beyond that point, you are subject to administrative action that may impact your credit score and member standing.

Please refer to the Share Account Rate DisclosureCertificate Account Rate Disclosure, and Beneficial Owner Disclosure for further information relating to the above products. See Business Fee Schedule & Rate Schedule for current rates and fees.