Institutions Austin Telco Federal Credit Union

Does Austin Telco Federal Credit Union Use ChexSystems? Is it Good for Bad Credit?

Considering Austin Telco Federal Credit Union or already applying for its account? Find out whether Austin Telco Federal Credit Union uses ChexSystems and offers a second chance checking or savings account.

You walk into your local bank branch and sit down with your bank representative to talk about opening a checking account. Maybe you’ve been through some financial difficulties in the past, but you are ready to get back on track. But maybe not. You may think your financials are in good shape.

You wait with bated breath through the application process, only to let it out in a sigh of disappointment.

The banking representative turns to you and says, “I’m sorry, but we can’t open an account for you right now. You were rejected by ChexSystems.”

At that point, the banker probably explained ChexSystems to you in detail. If you haven't already, you can read our in-depth guide to ChexSystems and ChexSystems removal, and why it may be having a negative impact on your financial life.

Denials like these are surprisingly common. In fact, CNN has reported that approximately 15% of bank applicants are denied regular bank accounts.

Austin Telco Federal Credit Union

Several members of our community have reported that Austin Telco Federal Credit Union DOES use ChexSystems but you can still qualify for an account if you don't owe any money to the bank. A second chance checking or savings account is another option to consider. Check out their financial products below and visit the official website to learn more.


Method of Verification ChexSystems
Notes -
Official Response (Email or Phone)

Our requirements for opening a second chance checking account are as follows:

You must live, work, worship, or go to school in Austin or one of its 5 surrounding counties.

You must open a savings account with a $25.00 balance. The balance will need to be maintained, but you do get it back when the account is closed.

We will need to see a Texas ID or state drivers license.

Upon these actions being met a checking account can also be opened. We require an initial deposit of $25.00 into it, but it is alright if the balance is later taken down to zero.

As long as these requirements are met then you are eligible to open an account with Austin Telco FCU. We do not use ChexSystems when opening an account to determine if the account can be opened, so it is alright if it does not report as "paid" or if it indicates fraud. If you have any questions please feel free to contact me at (512) 302-5555 ext 7320.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to Austin Telco Federal Credit Union in any step of the process. You can be sure that these banks won’t ever cross reference your records before deciding whether to let you open an account.

The list is suggested by our readers. Please consider the Unchex editor's curated list of banks that don't use ChexSystems for all the banking options available nationwide.

Editor's Choice


Chime is a fast-growing internet-only bank. Unlike big banks, Chime was created during the smartphone era and, therefore, features an app that is more than just a way for customers to review their bank accounts.

Features and Benefits:

  • Free Visa® debit card
  • Free online banking and mobile banking/deposits
  • No monthly account balance minimums

Why is it recommended for you?

Chime accepts all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or credit bureaus.

Apply Now

The Basics

Main Office 8929 Shoal Creek Blvd Austin, TX 78757
Deposit Insurance NCUA
Established On -
CEO James D Poplin
Headquarter Texas
Number of Members 75,180
Community Bank -
Institution Class Federal Credit Union - Community credit unions
Institution Type Credit Union
Credit Union Programs -
Low Income Designation No
Member of FHLB No
Total Assets $1,307,386,249
Asset Concentration -
Charter Number 4584
Routing Number 314977175
Membership Eligibility

Membership in Austin Telco F.C.U. is open to anyone who lives, works, worships or attends school in Austin's five county Metropolitan Area (Travis, Williamson, Hays, Bastrop and Caldwell Counties). For detailed information on how you can join, contact one of our Member Services Representatives at (512) 302-5555; ext. 7100 or (800) 252-1310.

Travis County: Austin, Bee Cave, Briarcliff, Creedmoor, Del Valle, Jonestown, Lago vista, Lakeway, Lake Travis, Manchaca, Manor, McNeil, Pflugerville, Spicewood, Sunset Valley, West Lake Hills.

Williamson County: Andice, Cedar Park, Coupland, Florence, Georgetown, Granger, Hutto, Jarrell, Leander, Liberty Hill, Round Rock, Schwertner, Taylor, Thrall, Walburg, Weir.

Hays County: Buda, Driftwood, Dripping Springs, Kyle, Mountain City, San Marcos, Uhland, Wimberley.

Bastrop County: Bastrop, Cedar Creek, Elgin, McDade, Paige, Red Rock, Rockne, Rosanky, Smithville Caldwell County: Dale, Fentress, Lockhart, Luling, Martindale, Maxwell, Prairie Lea, Uhland.


Services & Products

Accounts Offered -
Electronic Services Member Application, Download Account History, Electronic Signature Auth./Cert., Bill Payment, New Share Account, Merchandise Purchase, Account Balance Inquiry, Remote Deposit Capture, Share Draft Orders, New Loan, Share Account Transfers, Loan Payments, View Account History, e-Statements
Access to Electronic Services Home Banking via Internet Website, Automatic Teller Machine (ATM), Audio Response/Phone Based, Mobile Banking
Services & Products: Credit Business Loans, Participation Loans, Real Estate Loans, Overdraft Protection/ Courtesy Pay, Risk Based Loans, Micro Business Loans
Services & Products: Depository No Cost Share Drafts, Health Savings Accounts, Business Share Accounts, Share Certificates with low minimum balance requirement
Services & Products: Financial Education Financial Counseling, Financial Literacy Workshops
Services & Products: Other No Cost Bill Payer, Insurance/Investment Sales, Bilingual Services, Student Scholarship
Services & Products: Transactional Check Cashing, ATM/Debit Card Program, No surcharge ATMs, Money orders