Institutions First Abilene Federal Credit Union

Does First Abilene Federal Credit Union Use ChexSystems? Is it Good for Bad Credit?

Considering First Abilene Federal Credit Union or already applying for its account? Find out whether First Abilene 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.

First Abilene Federal Credit Union

Several members of our community have reported that First Abilene 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 TeleCheck and a credit report
Notes -
Official Response (Email or Phone)

We use TeleCheck on all checking accounts and if you request a debit card, we run a credit report. At this time we not use any of those services for opening a savings account. Savings accounts are limited to three withdrawals per quarter and no cards are available.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to First Abilene 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 1118 Pine St Abilene, TX 79601-3529
Deposit Insurance NCUA
Established On -
CEO Faye Smith
Headquarter Texas
Number of Members 10,361
Community Bank -
Institution Class Federal Credit Union - Community credit unions
Institution Type Credit Union
Credit Union Programs Mortgage Processing, Brokered Certificates of Deposit
Low Income Designation Yes
Member of FHLB No
Total Assets $68,081,319
Asset Concentration -
Charter Number 13290
Routing Number 311376591
Membership Eligibility

Persons who live, work, worship, or attend school in and businesses and other legal entities located in Taylor, Jones, Callahan, Nolan, Runnels, and Eastland Counties, Texas.


Services & Products

Accounts Offered -
Electronic Services Account Balance Inquiry, e-Statements, Download Account History, Share Account Transfers, View Account History, Loan Payments, Merchant Processing Svs, Bill Payment, Account Aggregation
Access to Electronic Services Audio Response/Phone Based, Home Banking via Internet Website, Mobile Banking, Automatic Teller Machine (ATM)
Services & Products: Credit Share Secured Credit Cards, Real Estate Loans, Overdraft Protection/ Courtesy Pay, Indirect Consumer Loans, Risk Based Loans
Services & Products: Depository Health Savings Accounts, Share Certificates with low minimum balance requirement, No Cost Share Drafts
Services & Products: Financial Education Financial Education
Services & Products: Other Student Scholarship, Bilingual Services, No Cost Bill Payer
Services & Products: Transactional No surcharge ATMs, Money orders, ATM/Debit Card Program