Technology Assistance

Credit Score & More

Some credit card companies report once a month to the credit bureaus; others report more frequently. Credit Score & More is not an instantly accurate representation on accounts. Refreshing your score will show accurate information if it has been reported to the credit bureaus.

There are three major credit reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO or VantageScore) that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a scare and each model may weigh credit factors differently, so no scoring model is identical.

Credit Score & More helps you stay on top of your credit by providing your latest credit score and report, an understanding of the key factors that impact the score, and offers to refinance your loans to help reduce interest costs. It also monitors your credit daily and informs you by email if there are any big changes detected such as a credit inquiry, a new account being opened, or a change in address, employment or delinquency.

No. Credit Score & More is entirely free to Abilene Teachers Federal Credit Union members who are enrolled in mobile or online banking.

At Abilene Teachers FCU we provide financial education to enable our members to live their best financial lives. Credit Score & More is a program that can help members manage credit so that when it comes time to borrow for a big-ticket purchase—like buying a home, car, or paying for college—they will have a clear picture of their credit health and can qualify for the lowest possible interest rate.

Credit Score & More pulls credit from TransUnion and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the bureaus to provide consumers a more accurate picture of their credit health.

No. Checking your score on Credit Score & More is a “soft inquiry,” which does not affect your credit score. Lenders use “hard inquiries” to make decisions about your credit worthiness when you apply for loans.

Credit Score & More makes its best effort to show you the most relevant information from your credit report. Every Credit Score & More user can file a dispute with Transunion by clicking on the 'Dispute' link within the program. If the inaccuracy is verified, Transunion will then share this information with the other credit bureaus.

If your score shown in Credit Score is different than the scores we get from the credit bureaus, please print the page (or capture a screen shot) and let us know. We'll review your information and determine if there is a better offer we can provide.

Credit scores are automatically updated monthly. If you would like to be more proactive, tap the “Refresh Score” button once a day to see the most current number.

Credit Score & More uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

Yes. Credit Score & More will monitor and send email alerts when there’s been a change to your credit profile.

Digital Banking

Your username is your member number. The password is the last 4 digits of the primary account holder’s social security number. After logging in for the first time, you will be prompted to create a unique username and password.

Yes. We have several options for you to choose from:

You may pay your loan manually from one of your accounts each month.
Set up automatic payments from an ATFCU account.
Set up automatic payments from an external financial institution.

Follow these step-by-step instructions to set up your loan payment electronically.

Yes. Check out these instructions for further help.

Yes. Member to member transfers can be performed via our mobile app or online banking. Check out our step-by-step instructions for further help.

If you have an actual check, look for the 10 digit number that follows our routing number. The routing number is 311376533.
Please contact our Accounting Department if you do not have a check available.

ITM (Interactive Teller Machine)

ITMs allow you to conduct teller transactions at ATFCU drive-thru locations via video conferencing. A teller, located at the Antilley Road office, will assist members with each transaction.

No. Our ITM tellers are real, live people who work in a specially designed space at one of our branches.

Deposit or cash checks (a copy of the check can be printed on the receipt for records)
Deposit cash (no more than 30 bills inserted at a time)
Cash withdrawals in denominations of $100's, $20's, $10's and $1's
Balance inquiries
Account transfers
Loan/Credit card payments
Exchange bills

Money Orders
Cashier's Checks
Cash advances
Stamp sales
Account print outs/Account statements
No coin is accepted or disbursed

Yes. All ITM's can be used as ATM’s, 24 hours a day if teller assistance is not needed.

ITMs are available Monday through Friday from 7 a.m. to 6 p.m. and from 9 a.m. to 2 p.m. on Saturdays. (All ITMs can be used as a regular ATM during non-business hours.)

No. Deposits can be made during business hours. Simply touch the screen to speak with a teller.

Routine transactions will be much quicker, more tellers will be available during peak hours, and drive thru hours will be extended.

Non-members may cash ATFCU checks using the ITMs. If there is change from the check, it will be donated to the charity of the month. If the non-member does not wish to donate, the check will need to be cashed at a lobby location.

We currently have ITM's at our EN10th branch and Mockingbird branch. After business hours, all machines work as ATM’s.

Mobile Banking

At this time, you may only deposit one check at a time.

Yes! Because we’re cool like that. Once you log in to the app, in the bottom menu, tap on More, then Settings, then Quick Balance. Toggle that option ON. This allows you to view your balance either from your smartphone’s widget screen (iPhone) or by swiping down from the login screen (Android).

Deposits confirmed as received before the cut-off time (5pm Central Time) on a business day will generally be credited to your account within 24 hours of receipt. Deposits confirmed as received after the cut-off time and deposits confirmed as received on holidays or weekends will generally be credited to your account within 24 hours of the following business day.

Yes! We have a step-by-step tutorial video that explains the process.

Watch this video for more help.