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Checking Assistance

Debit Cards

You may come by one of our lobby locations to re-PIN your card or we can order a PIN mailer to be sent to your address. We are unable to change the debit card PIN by phone.

  • If you use the ATFCU mobile app, turn your card off.  Use the Card Controls feature found on the ‘More’ page.
  • Reach out to the merchant to figure out why and ask for a refund if necessary
  • If the merchant does not resolve the situation, contact our Cards Department at 325.677.2274 or 800.677.6770 during normal business hours.
  • If you use the ATFCU mobile app, turn your card off.  Use the Card Controls feature found on the ‘More’ page.
  • Then call our Cards Department during business hours.  If this occurs after business hours or on the weekend, call the number on the back of your card.

Contact our Card Department during business hours for instructions or call the number found on the back of your card.

  • Fraud is when your card number has been compromised and used by someone unknown to you.
  • A dispute is when you have done business with a merchant and want to dispute a transaction.

Use our  ATM Locator tool where you can locate a surcharge-free ATM near you.  There are almost 30,000 ATMs across the U.S. where you can use your Abilene Teachers FCU card free of charge.  If you see the CO-OP logo on the machine, you won’t be charged a fee by the machine operator or by the credit union.

Debit cards are automatically replaced at no charge every two years.  If you need to replace one sooner, there is a $5 fee.

  • If you use the ATFCU mobile app, turn your card off.  Use the Card Controls feature found on the ‘More’ page.
  • If the loss occurs during business hours, contact the credit union at 325.677.2274 or 800.677.6770.  During non-business hours, please call 866.664.9364.
  • Your card will work outside the United States.  Please remember to let us know of your travel plans in advance.
  • The foreign transaction fee is 1% of the total transaction.

Certainly!  You may use your card anywhere VISA or MasterCard are accepted.  We recommend that you give us a call prior to beginning your travels so that we can put a travel advisory on your account.

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.

$500 per 24 hours. The limit is unchangeable at this time.

General Checking

To reorder checks you may contact a Member Service Representative or order online. 

 We run a ChexSystems report which identifies people with a troubled checking history.  A Restart Checking account may be an option for those in that category.

$25. Keep in mind that there is no minimum balance requirement once the account is opened.

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Opening a savings account is what establishes membership with the credit union.  A savings is the first account that can be opened.

There are no fees for these services.

It is.  Please refer to the chart on our Overdraft Protection page for details.

Overdraft Coverage

  • Overdraft Transfer: If funds are unavailable in your checking account, we will transfer available money from your savings account or personal line of credit loan to your checking account to cover the transaction.  There is no charge for this service. 
  • Overdraft Privilege: If you opt-in to this service, we will authorize your checking account to accept charges, even if the funds are not available, up to $600.  There is a $25 transaction fee for each charge submitted to your overdrawn account.

Restart Checking

There are no fees for these services.

  • Overdraft Transfer is available for Restart Checking accounts, if the funds are available in your savings or personal line of credit.
  • Overdraft Privilege is not available for Restart Checking accounts.

$25. Keep in mind that there is no minimum balance requirement once the account is opened.  However, there is a $5 monthly fee charged on the last day of each month.

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.