Unless it is protected from cracking, as with PT, or a member is significantly oversized, it will probably be cracked. If the placement is outside of a flexure or shear area, you may not have (many) cracks. As a reference, 318 App D D.5.2.6 applies where analysis indicates that there will be no cracking at service load levels. In compression zones, cracks may or may not form such that they could interfere with anchors.
For one-way members, ACI-318 Eqn 9-9:
Mcr = fr * Ig / yt
Mcr: cracking moment
fr: modulus of rupture = 7.5 * sqrt(f'c)
Ig: mom. of inertia of concrete section
yt: distance from the centroid to the extreme fiber
ACI 318 Appendix D requires anchors approved for cracked concrete in all seismic applications. These anchors must be approved for the specific seismic category.