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All branch lobbies and drive thrus are currently open. 

The health and well-being of our members and employees remains a top priority as we continue to practice appropriate social distancing measures. Plexiglass guards are installed in all member-facing areas.  Employees and members are encouraged to wear a face mask, per the State of Alabama's Safer Apart Order.  If you have cold, flu, COVID-19 symptoms or have been exposed to someone with any of these symptoms, please use the other banking options offered for the safety of employees and other members.

If you have additional questions, please view our FAQs below.



Can I come in the branch for my transaction?

Yes, branch lobbies are open for teller transactions and other in-person member assistance. 

Do I need to make an appointment to visit the branch?

An appointment is not required but preferred.

How many members are allowed in the branch at a time?

The number of members allowed inside will vary and is based on the size of the branch. Our security officers will be assisting us in managing the lobby doors on the entry and exiting of members.

I prefer to use the lobby for my transaction. Are there limitations for going inside?

A limited number of members will be allowed inside the branch at a given time and will need to maintain six-feet of distance from one another. When the lobby has reached capacity, you will be asked to wait outside until a member leaves. Please follow the instructions of the “Please Stand Here” floor decals inside the branch.

Are non-members allowed in the branch?

Only non-members wishing to establish membership or those conducting shared branching transactions will be allowed in the branch.

Do I have to wear a face mask to come inside the branch?

No, wearing a face mask is not required, but encouraged.

What are your hours of operation?

Branch lobbies, drive-thru, and call center hours of operation are:

Monday-Friday: 9am to 5pm

Wednesday: 9am to 1pm

If I have to wait to see an employee for a specific department, how will I know when it’s my turn? (for Gadsden office only)

There will be a sign-in sheet at the front door of each branch to list your name, cell number and reason for visit. An employee from that department will call when someone is available to see you. If you don’t have a cell phone and choose to wait in your car, an employee will come to your car when it’s your turn.

How long will ATCU have limited capacity in the branches?

We are following guidelines provided by health officials and federal agencies in efforts to reduce the spread of COVID-19 and will adjust operations according to their recommendations.

What is ATCU doing to prevent the spread of coronavirus?

Plexiglass guards have been installed at each teller station. Additionally, the branches are cleaned nightly; employees have supplies to wipe surfaces during the day; hand sanitizer is available; and we have educated employees on best practices recommended by the CDC.


Any additional questions or special needs, please call 256.543.7040.


To check the status of your Economic Impact payment please visit the Internal Revenue Service website.


There are a lot of things to worry about these days, but the safety of your money in Alabama Teachers Credit Union shouldn't be one of them.  Your money is safe, and your accounts are fully insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000. There is no risk to keeping money in your account, but there are countless risks to holding cash.     


We encourage you to take advantage of our convenient digital services, all free to utilize. To access any of these services, please visit the hyperlinks below.

  • Use Online or Mobile Banking (App download –iPhone® | Android™) to check balances, make payments, transfer funds, pay bills, or deposit checks. If you haven't registered yet, we encourage you to create your account today. If you are having trouble with access, reset your username or password. Additionally, you may transfer funds to another ATCU account holder, order checks, and disable/enable your ATM/Debit Card.
  • You can also take care of most of your banking needs via our extensive Shared Branching Network including 5000+ locations nationwide. Note the locations most convenient to you. Be aware that other credit unions may be limiting lobby hours.
  • Be sure to have an active Debit Card with a PIN # or a Credit Card accessible to make purchases, perform online transactions and withdraw cash. Remember, ATCU offers surcharge-free ATMS. Visit any location to obtain an instant issue Debit Card. You may access our website to complete a Debit Card transaction dispute.
  • For new accounts or consumer, mortgage or business loans, please apply using our Online Application Portal or via telephone at 1.800.470.0704. A Member Service Representative will contact you to verify your identity and discuss your application. If there are any additional items needed, most can be sent by taking a photograph and sending it securely through our Online Application Portal. Once the account/loan is approved, we can send your documents electronically using DocuSign. When signed loan documents are received, loan proceeds can deposited into your account for immediate availability.


We are prepared to be responsive to changes that could lead to financial disruptions for you and your family.

Be assured ATCU will strive to help you as this situation unfolds. Consequently, we offer the following as a result of the COVID-19 pandemic:1

  • Discontinuation of the $3 transfer fee between share accounts
  • Effective April 24, 2020, the Federal Reserve announced relief from the six-per-month limit on transfers or withdrawals from savings accounts under Regulation D
  • Deposit account fee waivers based on your needs2
  • Consumer loan payment due date extensions up to 60 days3
  • Consumer mortgage payment due date extensions up to 60 days4
  • Business loan due date extensions up to 60 days5
  • Various loans available6

In short, if your finances are negatively impacted by COVID-19, or you suspect that they will be, you have options. To speak with a Member Service Representative about any of the courses of action listed above, please call 1.800.470.0704.

Please do not use email to send Alabama Teachers Credit Union communications which contain confidential information, such as Social Security or Account Numbers. You may either call us or send confidential information through the U.S. Postal Service.

1) All assistance is available for a limited time, may be subject to other exclusions and restrictions, and is subject to change or withdrawal without notice, all in the sole and absolute discretion of ATCU.

2) Decisions on waivers are made in the sole and absolute discretion of ATCU.

3) The terms of any loan extension will be disclosed to the member at the time of the approval. Contact the ATCU Loan Department for more information.

4) The terms of any loan extension will be disclosed to the member at the time of the approval. Contact the ATCU Mortgage Services Department for more information.

5) The terms of any loan extension will be disclosed to the member at the time of the approval. Contact the ATCU Business Services Department for more information.

6) Contact the ATCU Loan Department for additional information.


We appreciate the overwhelming response to our recent invitation to help small businesses through the processing of Payroll Protection Plan (PPP) applications approved in the recent Coronavirus Aid, Relief, and Economic Security (CARES) Act.

If you received PPP funding, please visit our SBA PPP webpage for current information regarding this program.  

If you have questions about your current ATCU business accounts or loans, please contact us by emailing [email protected] or calling 1.800.470.0704.


You're probably doing a lot of clicking, scrolling and swiping to stay updated about the situation surrounding COVID-19. As you check emails and browse social media, please remember to keep your financial and personal information secure. That means being extra careful about opening links, attachments, or requests for information from anyone claiming to represent Alabama Teachers Credit Union--or agencies like the World Health Organization or Center for Disease Control. There are scammers trying to take advantage of this situation to gain access to your data.

You should also be mindful of counterfeit currency and check scams during this unique time and always.  The United States Department of Justice has compiled a list of possible scams surrounding COVID-19 and how to make a report if you have encountered criminal activity.  Additional details/links to specific scams are also listed below for your convenience.  We encourage you to review this information and discuss these topics with those close to you who may not have social media accounts or utilize the internet. 

  • Stimulus Scams - Fraudsters have been quick to deploy scams involving the coronavirus stimulus package, targeting individuals through text messages, social media posts/messages, and phone calls.  These scammers ask for personal information and state there is a "processing fee" to receive economic stimulus payments.  Know that government agencies do not communicate through these methods, and will never request an advanced processing fee for you to receive the grant.  Beware of fake government agencies promoted by fraudsters and review the list of all official US federal grant-making agencies at  For detailed information about how the economic impact payments will be distributed, refer to the Internal Revenue Service website. 
  • Phishing Emails - Appear to be from reputable sources and ask you to share personal information or contain links that could lead to malware being downloaded to your computer.
  • Malicious Websites - Offer maps or statistics related to COVID-19 that ask you to share personal information to register or download malware to your computer. 
  • Malicious Apps - Emails and text messages ask you to access malicious websites, download special software that turns out to be malware or spyware, or apps that monitor activity and steal information. 
  • Fictitious Loan Scams - Occurs when you receive a text or email, informing you that you “qualify” for a loan.  But, this isn’t actually a loan, rather a way to scam you out of your personal information.
  • Social Engineering Scams - Request that you send money or provide personal information over the phone, or by email or text.  Specifically, fraudsters are calling to schedule COVID-19 tests and collecting credit or debt card and other personal information for copays or other out-of-pocket expenses. 
  • Charity Scams - Ask for donations to unknown but seemingly legitimate groups.  For your security, give to established well-known organizations.  

We implore you to be vigilant of these scams as well as others in the coming days and weeks. 

As a reminder, ATCU will never call, message or email you to request any of your personal information.  For more ways to keep your data safe, check out our ID Theft & Fraud Information page.


We have a responsibility to our employees who live in our community and who are dedicated to serving members in these challenging times. Like many of our members, they are impacted by school and daycare closures. They are also caring for themselves, their families, and have a responsibility for the health of our community.

Alabama Teachers and all our employees thank you for your understanding and patience. We are doing our very best to be here for our valued members when they need us most as well as provide much needed support to our employees who give so much of their time and heart to serving and caring for our members.


Giving back has been an integral part of ATCU and, in times like these, it’s more important than ever. By fulfilling immediate needs as well as ensuring the long-term health of our communities, we’ll get through this. We have donated time and money assisting food banks and backpack programs, local agencies, and nonprofits assisting with basic needs during this pandemic. We also have a short-term plan to inject needed capital to various small businesses across the areas we serve.  We know more needs will arise and we are actively listening and responding. Our staff is committed to doing everything we can to ensure our shared communities are taken care of in their time of need.  These are just a few ways your membership with ATCU allows us to #givetogether.

Making an impact in our community.

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