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Checking Accounts

Designed to give you maximum value and services

Our checking accounts are designed to provide you with extra value, services, and options for greater rewards. They also come with a large number of additional FREE features and benefits! Choose the one that is right for you.

Totally Free Checking Check Plus
Balance Requirements
Minimum Balance to Open Account $50 $50
Minimum Balance to Waive Monthly Fee $0 $750 average daily balance
Service Fees $0 None, if average daily balance remains equal to or above $750; otherwise $7.50 per month.
Saving Account Required
Only $5.00 required to open

Only $5.00 required to open
Direct Deposit Requirement None None
Dividends None Variable, based on average daily balance of $750 or more. See dividends.
Features and Benefits
Free Online Banking
Free Mobile App
Free Debit Card
Free CardLock App
Free Direct Deposit (Get Paid Two Days Early!)
Free Overdraft Protection with Your Linked Accounts*
Free eStatements
Free eAlerts
Free Teller Visits
Free Unlimited Check Writing
Access, Deposit or Send Money
Free Velocity ATM and Alliance of Austin Credit Unions ATM Network Transactions
Free at all Velocity ATMs and 400+ Alliance of Austin Credit Unions ATMs. (List)

Free at all Velocity ATMs and 400+ Alliance of Austin Credit Unions ATMs. (List)
Mobile Check Deposit**
Zelle Person-to-Person Payment**
Open Account Open Account

*A $5 charge is assessed for each transfer.
**Some qualifying criteria may apply.

Choose the Velocity Debit Card that is right for you: Free or Rewards

Two great debit card options come with your new checking account:

Velocity Debit Cards

Our free Velocity Debit Card, issued through Mastercard®, is a convenient and safe way to pay for purchases — even online — and at every ATM where Mastercard is accepted. It’s the one card that does it all.

Looking for more value? The Velocity Rewards Debit Card earns points for dining, gift cards, travel, and more with every PIN or signature-based purchase – even cash deposited to your Velocity account with our points-to-cash option. All for an annual fee of only $20 per year.

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Rewards Debit Card Free Debit Card
Annual Fee $20 $0
ATM Access
Apple/Google/Samsung Pay
Earn Points on Every Transaction*  
Redeem Points for Cash*  
Redeem Points for Travel*  
Redeem Points for Gift Cards*  
Redeem Points for Merchandise*  

*See CU Rewards terms and conditions for program details.