The Best Checking Account You Can Find. Seriously. Not Kidding.
Hands Down, the best account around!
Your life is busy and you need a checking account that won’t slow you down. Ours are high on features and low on fees. Plus, we have an option for those needing a fresh checking start.
Checking for a Connected World
We don’t just say it’s great, we can prove it!
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Everything Checking
No monthly service charge, no minimum balance, dividends and a free instant-issue debit card. -
Restart Checking
A checking account designed to help you get back on your financial feet -
Instant Debit Cards
We instantly issue debit cards in a variety of designs. No more waiting for the mail! -
Overdraft Protection
Everyone makes mistakes. Let’s handle them together. -
Dividends Paid
Dividends paid when your daily average checking balance is $1,000 or more. -
Vigilant Fraud Monitoring
We’re working behind the scenes to monitor suspicious activity.
Everything You Need Checking
Free checking without sneaky fees.
- Free instant-issue debit card
- Free electronic banking services
- No monthly service charge
- No minimum balance requirement1
- Earn dividends on your balance2
- Unlimited debit card or check writing transactions with no per-transaction charge
Open an Everything Checking Account
Restart Checking
If you’ve had previous difficulty managing a checking account, ATFCU may be able to help you get a new start. For $5 per month, our Restart Checking includes many of the same features as our standard account.
After 12 months of responsible financial management, you can request that your Restart account be considered for transition to an Everything Checking account.
Please visit a lobby location to inquire about opening a ReStart Checking account.
Instant-Issue Debit Cards
A debit card allows you to pay directly from your checking account to any merchant who accepts VISA. It is also used to access cash at ATMs.
- Free with any ATFCU checking account
- Instant issue at ATFCU lobby locations
- Powerful card controls at your fingertips
- Vigilant fraud monitoring included
- More than 60 designs available
- Compatible with Apple Pay, Samsung Pay, and Google Pay
You’ll find additional information on our debit card page.
Fee-Free ATMs
ATFCU is a member of CO-OP Network which provides 30,000 surcharge-free ATMs around the world. There are more than 50 CO-OP locations in Abilene. To find an ATM near you, please use the ATM Locator.
Mobile and Online Banking
Whether you’re using a desktop computer or a mobile device, our digital banking services are free, user-friendly and comprehensive. Visit our digital banking page for a quick intro to get started.
Reorder Checks
When it’s time to reorder checks, you have a choice. Contact a Member Services representative or order online. Members over 60 receive free checks when the basic ATFCU style is selected.
Checking FAQs
311376533
Due to the cooperative nature of credit union ownership, a savings account (which establishes membership) must be opened prior to opening any other type account.
$500 per 24 hours. The limit is unchangeable at this time.
This is dependent on how often a merchant submits their files to the financial Automated Clearing House (ACH). The time frame can vary from a few moments to several days.
No past fraud activity, no previous amounts owed to Abilene Teachers FCU, minimum age of 18. Restart accounts are opened pending credit union approval. Other restrictions may apply.
Open your checking account today
(325) 677-2274 (call or text)
(800) 677-6770 (call only)
Disclosures
1Minimum balance to open the account is $25. There is no minimum balance required to maintain the account.
2 Dividend rate is based upon account balance. Please see our Rates page for details
3Line of credit loans are subject to credit union approval.
*APR=Annual percentage rate
We will verify your identity when opening an account in order to meet the requirements of the Patriot Act. If you’re opening an account in person, please bring your Social Security card along with your driver’s license, United States passport, or state ID card. In unusual circumstances, we may request additional documentation.
Photo Credits: ‘The Grace’ goes to Christ Hardy and for ‘Flower Puppies’ goes to Ashley Aimi.