Fee-Free Banking

Unlike banks, credit unions are owned by their members. This means no stockholders and full transparency from our leadership team. You are considered a member of Amplify if you have an active savings account with the credit union. Learn more about membership at Amplify.

Amplify offers two free overdraft programs to our members. Our overdraft prevention program attempts to avoid overdrafts by applying funds from a connected savings account or line of credit. Our overdraft protection program will, at the discretion of our team, temporarily provide funds to complete overdrafts from qualified members.

Over the past decade, Amplify has expanded our residential and commercial lending opportunities throughout the State of Texas. Unlike smaller financial institutions or digital banks – who might only offer simple banking or credit services – we are able to take a more holistic approach to our financial services. In other words: the value we drive through our loans allows us to remove fees from our banking products.

When you use an ATM, you are often being charged two sets of fees: out-of-network service fees from your bank or primary financial institution, and machine fees charged by the owner of the ATM. Not only will Amplify never charge you out-of-network fees to use another company’s ATMs, we also offer an ATM rebate program to help offset those machine fees.

You can view a list of removed banking fees on our Fees page. Want to know about the original purpose of these fees and why other financial institutions continue to charge them? Check out our Guide to Fees for more information.

With fee-free banking, you will never again be charged standard banking fees. This includes account maintenance fees, overdraft fees, wire transfer fees, and many, many more. That said, there are times where a third party may introduce additional fees to a transaction – in those rare instances, our team promises to be both proactive and transparent in letting you know that certain fees may be applicable.