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Checking

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!

  • 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 can 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 

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Restart Checking

If you’ve had previous trouble managing a checking account ATFCU may be able to help you get a new start. For $5 per month, our Restart Checking includes 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.

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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
  • More than 50 designs available 
  • Includes vigilant fraud monitoring
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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.

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Mobile and Online Banking

Whether you’re using a desktop computer or a mobile device, our digital banking services are user-friendly and comprehensive. If you’re a little hesitant about getting started, visit our blog for step-by-step guides and how-to’s.

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Overdraft Coverage Options


Life is unpredictable; arithmetic goes wrong; a paycheck is late. There are many reasons why you might lose track of your checking account balance. We have solutions. Choose one or all of the following methods to protect yourself against costly fees and embarrassing situations.

  • Overview

    Overview

  • Cost per transaction

    Cost per transaction

  • Coverage limit

    Coverage limit

  • Covers debit card purchase

    Covers debit card purchase

  • Covers ATM withdrawals

    Covers ATM withdrawals

  • Covers check withdrawals

    Covers check withdrawals

  • Covers automated drafts

    Covers automated drafts

Overdraft Transfer

  • Overview

    Transfer from your savings account to cover overdraft

  • Cost per transaction

    $0

  • Coverage limit

    Savings balance must remain above $25

  • Covers debit card purchase

  • Covers ATM withdrawals

  • Covers check withdrawals

  • Covers automated drafts

Personal Line of Credit3

  • Overview

    Transfer from your line of credit loan to cover overdraft

  • Cost per transaction

    $0

  • Coverage limit

    Up to the pre-approved loan limit

  • Covers debit card purchase

  • Covers ATM withdrawals

  • Covers check withdrawals

  • Covers automated drafts

Overdraft Privilege
Standard

  • Overview

    Opt in any time. Covers many types of transactions.

  • Cost per transaction

    $25

  • Coverage limit

    $600 total

  • Covers debit card purchase

  • Covers ATM withdrawals

  • Covers check withdrawals

  • Covers automated drafts

Overdraft Privilege
Extended

  • Overview

    Opt in at any time. Covers all types of checking transactions.

  • Cost per transaction

    $25

  • Coverage limit

    $600 total

  • Covers debit card purchase

  • Covers ATM withdrawals

  • Covers check withdrawals

  • Covers automated drafts

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.

Order checks online

Contact Us

Checking FAQs

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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.

$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

Open an account in person
Find the closest location
Open an account online
Call or text us

(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 [Text link to 1.1 Rates page]
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 number 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.