Due to scheduled maintenance, online banking services, including banking by phone, will be unavailable on Saturday, June 22nd from 7:00PM to 2:00AM CT.

Fee-Free Banking

We’re ending bank fees in Texas, one person at a time.

You deserve to bank without fees

Does it sometimes feel like your bank is actively trying to trip you up so they can charge you a fee? At Amplify, we believe everyone deserves to bank without fees. So we made it simple: we’ll never charge you a bank fee, no matter how much you deposit, spend, or save.

Help turn the tide on bank fees

For decades, banks have claimed their fees help customers make smarter spending decisions. But the truth is, bank fees are an institutional issue, not a personal one. Here are just a few of the communities hit hardest by bank fees – and the motivation for us to turn ours off.

Gen Z

Each month, Gen Z pays four times¹ as much in bank fees as their parents – despite having far less money in their bank accounts.

Low-Income Savers

Over half the fee income from mass-market checking accounts come from customers with “no more than a few hundred dollars” in the bank².

Communities of Color

Black and Hispanic bank customers pay more than twice as much³ in monthly bank fees compared to white customers.

How to go fee-free

Fee-free banking at Amplify is not an add-on or a premium service – it’s a standard benefit for every member, no matter how long you’ve been with the credit union. Here’s how to benefit from fee-free banking.

Got Questions?

We know opening a bank account can be a lot, so we want to answer as many of your questions as we can. Still have questions? Email us at [email protected] and an actual human being will get back to you within 24 hours.

What makes credit unions different from banks?

Do you still offer overdraft protection?

Does fee-free apply to loans?

Does Amplify offer interest on their accounts?

Are there any hidden penalties?

What about ATM fees?


Amplify Your Impact

For a limited time, when you join Amplify, we’ll make a one-time donation to the team at RIP Medical Debt. Each donation will amount to more than $3,000 worth of debt relief for members of the Central Texas community.

¹BankRate crunched the numbers: the average member of Gen Z pays $19.13 a month in bank fees. Their parents (Gen X) only pay $4.48.
²This July 2022 piece from Bloomberg explains how a lot of banks that claim to offer “no-fee checking” actually charge their customers billions of dollars a year in fees.
³The numbers from that BankRate piece also show the racial disparity of bank fees.