Checking Assistance

Certainly!  You may use your card anywhere VISA or MasterCard are accepted.  We recommend that you advise us when you will be traveling.  You can either phone us or use the Card Management feature in digital banking to make us aware.  You'll find Card Management icon on the 'More' screen of the ATFCU app or in the 'Additional Services' section of desktop banking. 

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.

1. Turn your card off.  
   1. For those using our mobile app, locate the Card Management feature found on the ‘More’ screen
   2. In desktop banking, Card Management is found on the 'Additional Services' menu
2. Then notify us.
   1. During business hours, contact our Card Processing Department at 325-677-2274.
   2. On evenings or weekends, please call 833-541-0777 or 866-664-9364.
3. Reach out to the merchant for an explanation and ask for a refund if appropriate
4. If the merchant does not resolve the situation, contact our Card Processing Department at 325.677.2274 or 800.677.6770 during normal business hours. 

1. Immediately turn your card off.  
   1. For those using our mobile app, locate the Card Management feature found on the ‘More’ screen
   2. In desktop banking, Card Management is found on the 'Additional Services' menu
2. Then notify us.
   1. During business hours, contact our Card Processing Department at 325-677-2274.
   2. On evenings or weekends, please call 833-541-0777 or 866-664-9364.

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.

1. Immediately turn your card off.  
   1. For those using our mobile app, locate the Card Management feature found on the ‘More’ screen
   2. In desktop banking, Card Management is found on the 'Additional Services' menu
2. Then notify us.
   1. During business hours, contact our Card Processing Department at 325-677-2274.
   2. On evenings or weekends, please call 833-541-0777 or 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.

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.

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.