Totally Free Checking That Fits Your Life

Yes! You can open a free online checking account with Velocity Credit Union quickly and easily. Whether you need a checking account online or another type of credit union bank account, we make it simple to get started.

To open your free checking account, review our eligibility requirements. To get started, you’ll need:

• A valid driver’s license
• A previous home address (if you’ve moved recently)
• Your Social Security number
• A debit card, a checking account, or another bank account for funding
• To be at least 18 years old and a US citizen or resident alien

All credit union checking accounts require a minimum opening deposit of $50. Enjoy the benefits of banking with a credit union in Austin, where you get lower fees, better rates, and easy online banking. Apply today!

Yes! Velocity Credit Union makes it easy to access your money with thousands of ATMs near you. Use our ATM locator to find a nearby machine for check cashing, withdrawals, transfers, and other services.

If you’re using a Velocity debit card at a Velocity ATM or an Alliance of Austin Credit Unions ATM, your transactions are free. Otherwise, here’s what to expect:

• $1 fee for balance inquiries
• $1.50 for withdrawals or transfers
• $3.25 per transaction when using a non-Velocity card

We also participate in shared branching with CO-OP, allowing you to conduct banking at other credit union banks in Austin and across the US. Need even more convenience? We have the best mobile banking app to let you deposit checks, transfer funds, and manage your checking account from your phone.

Find an ATM near you, access mobile banking, or visit a trusted Austin-area credit union today!

Velocity Credit Union offers competitive rates and low fees to help you get the most out of your bank account. Whether you’re looking for a free checking account or free online bank account, we keep our costs low so you can save more.

To see the latest rates for checking accounts, savings accounts, loans, and credit cards, visit our rates page. You’ll find details on:

• Free checking accounts
• Debit card rewards options
• Low-interest loans for cars, homes, and personal needs
• Credit cards with 0% intro APR and rewards programs

For a breakdown of fees, check our fee schedule. Velocity Credit Union is committed to transparency, so you’ll always know what to expect. Our free checking account has no hidden fees, and we offer free access to thousands of ATMs near you and across the US.

As a credit union in Austin, we’re here to help you manage your money with mobile banking, the best mobile banking app, and access to shared branching with CO-OP. Looking for check cashing near me or an ATM near me? We’ve got you covered.

Visit us today to experience banking that puts you first!

A credit union operates as a non-profit organization owned by its members, unlike traditional banks, which are for-profit institutions owned by shareholders. This means that when you open a credit union checking account or credit union savings account, you become part of a financial institution that prioritizes your financial well-being over profits. And, your savings are federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith of the United States Government.

With a credit union checking account, you enjoy:

• Fewer fees and higher savings returns than big banks
• Lower loan rates for mortgages, auto loans, and personal loans
• Free checking account with no monthly maintenance fees
• Access to thousands of ATMs near you and across the US for check cashing and withdrawals
• Personalized service from a trusted credit union near you

At Velocity Credit Union, we also offer mobile banking through a mobile banking app, allowing you to manage your money anytime, anywhere. Whether you’re looking to move money, an ATM near you, or open an online bank account, we make banking simple.

Join one of the top Austin-area credit unions today and experience the benefits of a free checking account with better rates, lower fees, and outstanding member service!