Give Your Finances a Glow-Up

Join the AMOCO Squad!

Ready to Crush Your Goals?

Your path to financial independence starts now with the convenience of establishing savings and checking accounts effortlessly, right at your fingertips. Managing your finances may seem overwhelming, but with AMOCO, you can easily apply for loans through your phone, computer, or even speak directly with a live representative through our Video Banking. We’re dedicated to guiding you every step of the way, providing the knowledge and tools you need to make confident decisions and crush your financial goals!

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Secure your future—open a savings account or grow your funds steadily over-time with our Term Share Certificates.

Money Management

Our Online and Mobile Banking lets you conveniently manage your money, receive beneficial financial articles, and free credit monitoring.

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Financial Independence

Start your journey to financial independence with AMOCO! Apply for Auto Loans, earn rewards with our Rewards Credit Card, and explore our other financial solutions.

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Checking Options to Fit Your Vibe

Looking for a checking account that passes the vibe test? We got you covered! Whether you’re looking for money-saving perks, the ability to earn interest, easy access to funds, or getting your finances back on track, we have the right checking account for your financial needs.

Perks
Checking

MOST POPULAR

Boost your finances with incredible perks, including ATM refunds, fuel discounts, and more.

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  • $50 Minimum opening deposit
  • $8 Monthly maintenance fee*
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Advantage
Checking

Our Advantage Checking offers higher interest compared to other regular checking accounts.

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Advantage Checking

Earn higher dividends on your balance.

If you are looking to earn higher dividends on your balance, consider our Advantage Checking. With a minimum opening deposit of $500, you’ll also receive convenient services like early direct deposit, online and mobile banking, access to 55,000 surcharge-free ATMs nationwide, and overdraft protection. Plus, you can rest easy knowing you’re protected with continuous credit monitoring, account alerts, and debit card controls. Save more, earn more! Monthly maintenance fee of $8.00 may be waived if requirements are met.

See our fee schedule for more details.

  • $500 Minimum opening deposit
  • $8 Monthly maintenance fee**
  • Earn as high as 3.82% APY1
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Everyday
Checking

All frills with no fuss – the Everyday Checking is just that. Get easy access to your money.

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Everyday Checking

All frills with no fuss.

Enjoy the simple things in life with an account designed to give you easy access to your money without a monthly fee. With a minimum opening deposit of $25, you’ll unlock access to early direct deposit1, online and mobile banking, over 55,000 surcharge-free ATMs nationwide, constant credit monitoring, and more.

1Please note: electronic deposits may vary based on your employer’s payroll date.

  • $25 Minimum opening deposit
  • $0 Monthly maintenance fee
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Reset
Checking

With our Reset Checking account, take the first step toward getting your finances back on track.

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Reset Checking

Are you looking for a fresh start?

Our Reset Checking can help you get your finances back on track. There is a monthly maintenance fee of $10 and a minimum opening deposit of $25. 

  • $25 Minimum opening deposit
  • $10 Monthly maintenance fee
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*Fee will be waived when the following requirements are met monthly: a qualifying Direct Deposit of $500 or more, 25 debit card transactions that are each $5 or greater, and eStatement enrollment. **Fee will be waived with a qualifying monthly Direct Deposit of $1,000 or more, and an average daily balance of $1,000 or more.  A qualifying Direct Deposit is a regular recurring ACH deposit to the checking account. Qualified ACH deposits are income (such as salary, pension, or investment income), government payments (such as social security), payroll or benefits from your employer, and self-employment income received through a secure payment system (such as Square, Stripe, or Clover) that occurs through the Automated Clearing House (ACH) Network. 1APY = Annual Percentage Yield. You can earn the advertised interest rate on balances up to $20,000; anything more than $20,000 will earn 0.01% interest.

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Money Moves You Should Know

You can make smart money moves by taking advantage of our low-interest Rewards Credit Card to earn points on everyday purchases, benefit from flexible Auto Loan terms to finance your dream car, and improve your credit score with our Credit Builder Loans, setting the foundation for a strong financial future. 

Rewards Credit Card

Our low interest Rewards Credit Card can turn your everyday spending into points that you can redeem for travel, shopping, and more—plus, it'll help you build your credit!

Auto Loans

Need a car? Our flexible Auto Loan terms makes it easier to get on the road. Check out our Co-Signer and Co-Signer and First-Time Car Buyer Program and added protection for your vehicle.

Credit Builder Loans

Looking to build your credit or get a fresh start? Our Credit Builder and Credit Mender Loans are here to help you establish a strong financial foundation for future goals like buying a home.

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Keep Your Finances in Check

Whether you’re out with friends or relaxing at home, you can access AMOCO’s Mobile App and Online Banking features 24/7. With just a few taps or clicks, you can monitor your spending, transfer money, send money with Zelle®, set savings goals, and receive personalized offers and financial articles.

Early Direct Deposit

When you set up direct deposit, you can get paid ahead of time and access your funds up to one day earlier than your scheduled pay date*.

Free Credit Monitoring

Credit IQ is our credit monitoring tool powered by Savvy Money. AMOCO members have access to daily credit-score updates, credit reports, and personalized offers.

Debit Cards with Card Controls

Take card management to the next level with controls and alerts on your AMOCO Debit Card and safeguard your account against fraud.

Buy Now, Pay Later

This convenient option is available for debit cardholders. It allows you to pay off your eligible purchases over a selected term with fixed monthly payments and a fixed annual percentage rate, making budgeting simpler than ever.

*Electronic payment may vary based on your employer’s payroll date.

Financially Savvy Tips

Frequently Asked Questions (FAQs)

AMOCO membership is open to everyone who lives, works, worships, attends school, or frequently does business within one of the 477-census tracts in Texas. Our field of membership allows AMOCO to serve 2.5 million consumers with a wide geographical footprint extending north to south from Liberty, TX to the shoreline just south of the Justin Hurst Wildlife Management Area and east to west from High Island Beach to Mission Bend neighborhood of Houston.

To become a member at the credit union, you can easily open a savings and checking account, apply for loans online, virtually speak with a live representative through our Video Banking, contact us directly at 800.231.6053, or visit an AMOCO branch near you to begin your membership.

  1. Social Security Number
  2. Driver’s license or government ID
  3. Current email address
  4. Current home address1

1If your current home address doesn’t match your license, please also provide your proof of residency (utility bill, mortgage, voter registration).

Please visit our locations and hours page to find a branch near you and for our hours of operation. You can also virtually “meet” with us and speak to a live AMOCO representative through our Video Banking for your banking needs. 

At AMOCO, we offer several convenient ways to assist you with opening an account, banking inquiries, loan services, and more. You can virtually speak with a representative through our Video Banking, call us at 800.231.6053, message us via our Online and Mobile Banking Message Center, or visit a branch near you for in-person assistance.