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 dependent on the credit bureaus and if charges or payments have not been reported, they will not appear in our app. Scores are refreshed every 24 hours.

There are three major credit reporting bureaus (Equifax, Experian, and Transunion) and two main scoring models (FICO or VantageScore) which 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 two scoring models are identical.

Credit Score & More helps you stay on top of your credit by providing your latest credit score and credit report. The program also provides an understanding of the key factors that impact your score and suggests actions you may wish to pursue. Loan refinance offers may be presented that can help reduce interest costs. Additionally, CS&M 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.

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 & More 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

Login credentials were provided at account opening. If you need a refresher course, please give us a call during business hours and we'll walk you through the process.

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. Please call us for instructions.

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 Member Account Center if a check is not available to you.
To order checks, please contact the Member Services department.

ITM (Interactive Teller Machine)

ITMs allow you to conduct teller transactions at most* ATFCU drive-thru locations via video conferencing. ITM tellers are located at the Antilley Road office and they will assist members with each transaction. An ITM can also be used as an ATM if you just want to get cash or check a balance. During non-business hours, the ITMs automatically switch into ATM mode. *ITMs are available at the branches on Antilley Road, Mockingbird Street and EN 10th Street.

Our ITM tellers are real, live, local employees who work in a specially designed space at the Antilley Road branch.

Deposit or cash checks (a copy of each check will be printed on the receipt for your records)
Deposit cash (please insert no more than 30 bills 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

ITM's are designed for quick service and to keep the drive-thru lanes moving briskly. They cannot be used for money orders, cashier's checks, cash advances, account print outs, account statements or stamp sales. They are also unable to handle coins. Please visit an ATFCU lobby for any of the transactions listed here.

Yes. All ITM's can be used as ATM’s, 24 hours a day if teller assistance is not needed. That means there's no need to wait in line for the wall mounted ATMs at Antilley, Mockingbird or EN 10th. Just use one of the ITMs.

Teller attended ITMs are available Monday - Friday from 7 am to 6 pm. Saturday hours are 9 am till 2 pm. During non-business hours, all ITMs can be used as traditional ATMs.

ITMs can accept deposits only during business hours when they are teller attended. For after-hour deposits please use the night drop facilities available at each branch.

Routine transactions are handled more rapidly, additional tellers are available during peak hours, and drive thru hours have been extended to meet member needs.

Non-members may cash ATFCU checks using the ITMs. Because ITMs cannot handle coins, any change from the check will be donated to the ATFCU charity of the month. If the non-member does not wish to make a donation, the check can be cashed in one of our lobbies.

ITM's are located at the Mockingbird Rd., Antilley Rd., and EN10th Street branches. After business hours, all ITM's can all be used for traditional ATM functions.

Mobile Banking

Yes! A September 2024 updates facilitates the deposit of multiple checks.

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.