HRCU's Response to COVID-19
For our full statement on HRCU's response to COVID-19, please click here.
Please be aware that you can make cash deposits at a Shared Branch ATM. To find a CO-OP Shared Branch ATM, click here. To find a Shared Branch ATM that allows cash deposits, click that link and then:
Advanced Search>Filter Results (check "Take Deposit" box).
If you need access to a Shared Branch that has a drive-thru, click here and then:
Advanced Search>Filter Results (check "Drive Thru" box)
Beginning Wednesday (3/18), we will be limiting the number of members allowed in our lobby at any given time in order to follow social distancing recommendations. Please wait outside the branch if space is not available inside. (Follow signs/directions at branches for further details.)
Social Distancing in Branch Lobbies
Alternatives to In-Branch Service
For a list of Cash-Deposit Equipped ATMs, click the links below:
Ways to Prepare and Cope Financially
Thanks to our partner GreenPath Financial Wellness for these fantastic resources on how to Prepare for a Financial Emergency and Deal With a Loss of Income.
Please also contact us BEFORE you go delinquent on any loans--we can help you. Please also remember to NEVER get a Payday Loan--we can help you get a loan with a much better interest rate.
Call us at 816-221-2734 ext. 116, or send us an email at email@example.com to see how we can help.
Preparing Automatic Withdrawals
Do you have bills that you have set up to be paid automatically using either your checking account number or your debit card? If COVID-19 is causing you to have a shortage of funds in your account, please call whichever merchants will be taking these payments more than 3 days in advance of the payment's transaction date, in order to request that the withdrawals NOT be made. Be clear that you are withdrawing your authorization permanently. Please get the confirmation number and keep it. If a merchant takes a payment from your account and the account doesn't have sufficient funds to cover the amount, you will be charged an Insufficient Funds Fee (NSF Fee) on both sides of the transaction. These fees can add up quickly and we want to help you avoid the charges.
Please remember that some utility companies have promised no disconnections during this time. Please talk with those companies directly if you need this assistance.
Here are some ideas of payments you may have previously authorized: Electricity, Water, Mortgage, Cable, Phone/Internet, Student Loans, Regular Loans, Subscriptions, and Donations.
Remember to call the merchant in advance. You cannot just call the day that the payment is supposed to be withdrawn--call at LEAST 3 days in advance. You need to call the business/service that will be taking the payment--calling us will not help because we can't withdraw the authorization you provided to them.
This same idea applies to auto-withdrawal loan payments you may have asked us to make on your behalf. Please ask us to stop these, if you don’t have money in the other account. If you need a loan payment extension call 816.221.2734 ext. 116 or email us at firstname.lastname@example.org. We have a special program to help you.
If you are a small business owner looking for loan assistance as a result of COVID-19, the SBA is offering economic injury and disaster loans. Please click here to visit their site and apply.
Impact of COVID-19 on Tax Filing
In response to COVID-19, the IRS has extended the federal tax filing deadline to July 15, 2020. In addition, the Coronavirus Aid, Relief and Economic Security Act (CARES) was signed into law. The 2020 coronavirus stimulus package will deliver relief through a range of measures, including an advanced tax rebate to taxpayers.
Stimulus Checks for Taxpayers
Stimulus checks will be based on information from your most recent tax filings.
To ensure the IRS has your most current information, file your 2019 tax return now. (Click on this link to file with TurboTax and save $15 as a member of HRCU!) And if you are getting a refund, make sure you choose direct deposit—you'll get your refund faster, and the IRS will have the info it needs to direct deposit a stimulus check.
For more information, please visit TurboTax's website.