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COVID-19 Response FAQs

Are your branches open?

Throughout the COVID-19 outbreak, we have remained open to the greatest extent possible to provide access to your money and to meet your financial needs. On Monday, June 15, our lobbies re-opened for services requiring in-person visits such as safe deposit box access, notary service, debit card instant issue pickup, as well as transactions for members with limited phone and internet services.

Will there be restrictions on coming into a lobby?

As we resume regular operations for services that can't be performed through drive-up, phone or remote access, please be assured your safety remains our highest priority. As an added precaution, we are limiting the number of people in the office along with new, enhanced procedures and protocols to ensure your in-person visit is as safe as possible. For your safety and the safety of others, we must balance the need to protect health with security. Among the safety protocols, you must bring and wear a proper face covering when visiting any Electro office; however, upon entry, you will be required to remove your face covering temporarily for video identification. 

Maryland Heights Max Occupancy - 11 members
Tesson Ferry Max Occupancy - 8 members
Lafayette Center Max Occupancy - 5 members
Wildwood Max Occupancy - 7 members

Am I required to wear a face mask?

Yes, in accordance with St. Louis County health orders, a face covering is required to enter our building.

Do you offer a waiting area for those who are most vulnerable?

Yes. We will have an area in each of our branches dedicated as a waiting area for those who are most vulnerable, including:

  • Guests over 65 years of age
  • Pregnant women
  • Or, those defined by the Center for Disease Control and Prevention (CDC) as vulnerable or at-risk

What if I'm not comfortable coming into an office, but still need to meet with you?

If you'd prefer not to visit us in person, we're making virtual appointments available during regular business hours to deliver personal assistance for services such as financial counseling, credit reviews, loan closings and opening new accounts. You can consult with an Electro team member from the safety and comfort of your own home by phone or video.

Schedule a Virtual Meeting

How can I manage my money remotely?

Here are ways to manage your money and conduct business with us remotely versus coming into a branch:

  • Digital Banking is available 24/7 with our mobile app or online banking. You can deposit checks, transfer money, monitor balances and transactions, pay bills, control access to your Electro debit or credit card and much more--all from your computer or mobile phone.
  • SMS Text Banking is available to check account balances and recent activity.
  • Contact us through Text Messaging. Send a text to 314.434.6470.
  • Apply for a loan or open a new account online.
  • Loan approvals and closings can be done electronically using secure email, simply let our Member Service Representative know this is how you prefer to close your loan.
  • For deposit and withdrawal transactions, use drive-up window available at our Maryland Heights and Wildwood branches, as well as at Shared Branch locations, where available.
  • Use the night deposit box--available at all our branches.
  • Access your accounts at over 30,000 nationwide no-fee CO-OP Network ATMs.
  • Call us at 314.434.6470, toll-free 800.844.8313 or email [email protected] for assistance.
  • We're also available through private messaging on Facebook, during business hours.

Why did you close your lobbies?

We are committed to containing the spread of COVID-19. Even though the lobbies were temporarily closed, we continued to offer drive-up service at both our Maryland Heights and Wildwood locations during business hours, as well as phone and remote access services.

How can I get financial assistance?

If the COVID-19 pandemic has impacted you financially, we're dedicated to working with and helping you through these uncertain times. Now, more than ever, we're here to support our members and communities with our Comm(unity) Relief Program.

I don't see my Economic Impact Payment in my account yet?

The IRS is sending the direct deposits in waves. Visit the IRS's "Get My Payment" tool to check on the status of your stimulus payment.

Is my money safe?

Yes. Your money is federally insured by the NCUASIF (National Credit Union Administration Share Insurance Funds) up to $250,000. Learn more about how your money is insured.

I need to make changes to my account. How can I do this without coming into a branch?

Email us at [email protected] or call us at 314.434.6470 with what you want to change. If we need your signature to make this change, we can either mail the necessary forms to your home or send the forms using secured email. Never include your account number, social security number or other private information over unsecured email.

How do I apply for a loan without coming into a branch?

You can apply right now online or over the phone by calling us at 314.434.6470. We can email all the forms for your signature, or if you don't have computer access, we can mail the forms to you.

How can I get cash without coming into a branch?

You can use any of Electro's ATMs at all four of our branches, or at over 30,000 CO-OP Network ATMs. You can also visit our Maryland Heights' or Wildwood drive-up windows.

How can I get a Money Order, Cashier’s Check, Cash Advance, or Notary Service without coming into a branch?

You can visit the Maryland Heights’ or Wildwood’s drive-up window for all of these items.

How do I get my account balance?

Getting your account balances is easy and available 24/7 with our online banking or mobile app. You can also deposit checks, transfer money, pay bills, control access to your Electro debit or credit card(s) and much more. If you'd prefer to speak to someone, you can always call 314.434.6470 or toll-free 800.844.8313.

COVID-19 News

Face Coverings Required (07/03/2020)
 
In accordance with St. Louis County health orders, anyone entering our buildings must wear a face covering except for “certain circumstances and health conditions.” People who have trouble breathing or are hearing-impaired.
 
Lobbies Re-Open, No Appointment Needed, Monday, June 15 (06/12/20)
 
On Monday, June 15, 2020, our lobbies will re-open with no appointment needed. We appreciate your continued patience as we worked to keep you safe and healthy during your visit.
 
The following CDC recommended guidelines are in place for your health and safety, as well as our staff's. Thank you in advance for observing these guidelines:
 
  • Members may experience longer wait times, which may include waiting outside the building to keep the maximum member capacity reduced.
  • Use social distancing markers to maintain a safe distance of 6-feet apart at all times.
  • When next in line, you'll be asked to approach the teller window or member service desk.
  • When possible, we ask only one person per household come into the lobby.
  • Staff will wear a facial covering while interacting with members. Although it's not required, we kindly request members wear a face covering also.
  • Sanitation stations are available with hand sanitizer, tissues and face masks for members.
  • A designated waiting area is available for members age 65 and older and members of any age with serious underlying medical conditions.
  • Teller windows, member service desks and other shared spaces will be routinely cleaned and sanitized at regular intervals.
  • Teller windows and member service desks have germ shields.
  • Staff will receive daily health and wellness screenings and will be monitored throughout the day.
 
These guidelines are in place to protect the health and safety of our members and staff. We apologize for any inconvenience and continue to highly recommend drive-up service, digital banking and ATMs as alternatives to inside branch banking.
 
If you'd prefer not to visit us in person, virtual appointments are available during regular business hours to deliver personal assistance for services such as financial counseling, credit reviews, loan closings and opening new accounts. You can consult with an Electro team member from the safety and comfort of your own home by phone or video.
 

Lobbies Re-Open By Appointment Only Tuesday, May 26 (05/22/20)

On Tuesday, May 26, our office lobbies will re-open by appointment only during regular business hours for services requiring in-person visits such as safe deposit box access, notary service, debit card instant issue pickup, as well as transactions for members with limited phone and internet services.

As we resume regular, in-person appointments for services that can't be performed through drive-up, phone, or remote access, please be assured your safety remains our highest priority. Our lobbies are equipped with the necessary protective equipment. As an added precaution, we're limiting the number of people in the lobby along with new, enhanced procedures and protocols to ensure your in-person visit is as safe as possible.

For your safety and the safety of others, we must balance the need to protect health with security. Among the safety protocols, we ask that you bring and wear a proper face covering when visiting any Electro office; however, upon entry, you will be required to remove your face covering temporarily for video identification.

If you'd prefer not to visit us in person, we're making virtual appointments available during regular business hours to deliver personal assistance for services such as financial counseling, credit reviews, loan closings and opening new accounts. You can consult with an Electro team member from the safety and comfort of your own home by phone or video.

Read more

Preparing to Re-Open Lobbies By Appointment Only (05/15/2020)

We're preparing our offices to offer services requiring in-person visits such as safe deposit box access, notary service, debit card instant issue pickup, as well as transactions for members with limited phone and internet services. At this time, we're putting in place the necessary protective equipment to help keep you and our employees safe when you enter any of our locations.

Although St. Louis County authorized restricted re-opening of certain businesses on Monday, May 18, our lobbies will remain closed until we're adequately prepared. Until then, we'll continue to serve you through our drive-up, phone and remote access options. We anticipate being able to move forward with in-person appointments on May 21, and will notify you via our website and email when we begin accepting appointments for these.

Read more

Internal Revenue Service-Get My Payment Tool (04/15/2020)

The IRS has begun direct deposit of Economic Impact Payments and launched the "Get My Payment" online tool which will provide you with a status pertaining to your stimulus payment. You'll be able to find out how your payment will be sent (direct deposit or mail), the date the money will be mailed or scheduled to be deposited and how you can provide your account information for direct deposit. Please keep in mind if your payment has already been scheduled, you won't be able to change the direct deposit information or enter your direct deposit information to receive it via direct deposit rather than a paper check.

If your payment has not yet been scheduled, as a reminder the routing number for Electro is 281081495.

The "Get My Payment" online tool is different than the "non-filer" tool. If you're a Non-Filer, please visit the IRS website to enter your payment information.

Internal Revenue Service-Economic Impact Payment Information Center (04/08/2020)

The IRS recently released additional information about the upcoming payments. For the latest information from the IRS on how and when you'll receive your payment, visit https://www.irs.gov/coronavirus/economic-impact-payment-information-center.

As your credit union, we're looking out for you and trying to provide you with the most up-to-date information. We'll continue to monitor and share any additional information, if necessary.

We're Still Open Amid Stay-at-Home Orders (03/23/2020)

As an "essential business" we will continue to be open to serve our members. Our lobbies are temporarily closed, however, our Contact Center is open and drive-up access is available at our Maryland Heights and Wildwood branches. 

Read more

Comm(unity) Relief Program (03/21/20)

If the COVID-19 pandemic has impacted you financially, we're dedicated to working with and helping you through these uncertain times. Now, more than ever, we're here to support our members and communities with our Comm(unity) Relief Program.

Read More

Lobby Access Temporarily Suspended—Drive-up Access Available At Maryland Heights & Wildwood (03/17/2020)

In the best interest of our members, employees and the community, as of March 18, 2020, lobby access at all Electro branches is temporarily suspended. Drive-up access is available at our Maryland Heights and Wildwood branches.

Read more

Staying Connected with Electro During Coronavirus Outbreak—A Message from our CEO (03/10/2020)

Read the message from Jim concerning our plans, how we're here to help and other important information.

Read more

Resources for Our Members During the COVID-19 Pandemic

Non-Electro Bills:

If you’re unable to pay your non-Electro bills on time, contact your other lenders and service providers. Many companies are offering options to help.

Unemployment Resources:

If you’ve have been laid off, visit the Department of Labor about Unemployment Insurance website to look up information by state. If you’re out of work right now, these companies are hiring.

Economic Impact Payments:

The payments, also referred to by some as stimulus payments, are automatic for most taxpayers. No further action is needed by taxpayers who filed tax returns in 2018 and 2019, as well as seniors and retirees.

Visit the IRS website Economic Impact Payments

  • If you don't file taxes, use "Non-Filers: Enter Your Payment Info Here" to enter your information.
  • Filers use "Get My Payment" to check the status of your payment, confirm your payment type or enter your bank account information for direct deposit if it's not already on file. Electro's routing number is 281081495.
  • If you moved since you last filed, update your mailing address.
  • Remember: the government will not ask you to pay anything upfront to get this money and they won't call to ask for your Social Security Number, bank account information or credit card number.
  • Watch for scam artists who are attempting to take advantage of the situation by claiming they can get you your money before the government begins payments. If in doubt, reach out to us, we're here to help. 

Tax Filing Deadline:

The Internal Revenue Service has extended the tax filing deadline to July 15, 2020.

Information for Students:

If you have student loans you may be able to temporarily suspend your payments. Contact your loan servicers to find out.  Click here for a Q & A for students and parents.

Information about Scammers:

Scammers are taking advantage of fears surrounding the COVID-19 pandemic--review the Federal Trade Commission's advice for consumers to protect yourself from scams.

  • Scammers are actively out trying to prey upon consumers and spread misinformation - please don’t click on mysterious links.
  • Rely on the CDC and WHO for accurate information.
  • Be alert to “investment opportunity” scams.
  • If you get a call requesting bank account information for relief checks, DO NOT give this information out over the phone.

Information From the Missouri & Illinois DMV: 

Missouri DMV
Illinois DMV

Existing Debt Management Plan (DMP) Clients:

The National Foundation for Credit Counseling will be meeting with the top 20 creditors to understand what plans will be put in place by the creditors to assist those people impacted by COVID-19.

Local Food Banks:

ST. LOUIS AREA FOOD BANK

314.292.6262
70 Corporate Woods Drive
Bridgeton. MO 63044

Other Resources:

GREENPATH:

You can speak to a certified financial counselor by calling 877.337.3399. Or, visit greenpath.com for additional resources available to you.

BETTER FAMILY LIFE, INC

A not-for-profit community development corporation that works to stabilize inner city neighborhoods

https://www.betterfamilylife.org/

314.367.1843
5535 Delmar Blvd., Suite 2100
St. Louis, MO 63112

NORTH EAST COMMUNITY ACTION CORPORATION

A not-for-profit community action agency delivering a variety of social service programs to low income, elderly, youth, disabled and disadvantaged individuals and families

https://necac.org/

573.324.6622
16 North Court Street
P.O. Box 470
Bowling Green, MO 63334-0470

BEYOND HOUSING

Comprehensive community development organization convening partners and providing leadership. From purchasing a home to health, education, jobs, and economic development, they offer holistic resources and support.

https://www.beyondhousing.org/

314.533.0600 x 11
4156 Manchester Avenue
St. Louis, Missouri 63110-3847

CATHOLIC CHARITIES HOUSING RESOURCE CENTER

Several different services for men, women and families

https://www.ccstl.org/get-services/families/

314.241.5600
800 N. Tucker Blvd.
St. Louis, MO 63101

COMMUNITY ACTION AGENCY OF ST. LOUIS COUNTY (AKA: CAASTLC)

Several different services for men, women and families.

https://www.caastlc.org/

314.863.0015 x 411
2709 Woodson
St. Louis, MO 63114-4817

HOUSING OPTIONS PROVIDED FOR THE ELDERLY

Offers free case management, housing counseling, HUD, caregiver information, etc. for the elderly.

https://hopeforseniorsstl.org/

314.776.0155
4265 Shaw Blvd
St. Louis, MO 63110-3526

JUSTINE PETERSEN HOUSING AND REINVESTMENT

Credit building, understanding credit, homeownership assistance, small business owner assistance and much more.

https://www.justinepetersen.org/

314.533.2411 x 117
1023 N. Grand Blvd.
St. Louis, MO 63106.

LEGAL SERVICES OF EASTERN MISSOURI INCORPORATED

Advances justice through legal representation, education and supportive services. We partner with the community to improve lives, promote fairness and create opportunities for those in need. They have a load of programs and situations they assist with.

https://lsem.org/get-help-now/

314.534.4200
4232 Forest Park Ave
St. Louis, MO 63108-2811

NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) ST. LOUIS, MO

Non-profit community advocacy and home ownership organization providing mortgage education and assistance.

https://www.naca.com/

314.645.8333
3930 Lindell Blvd., 2nd Floor
St. Louis, MO 63108

URBAN LEAGUE OF METROPOLITAN SAINT LOUIS

Daycare, utility assistance, housing assistance, etc.

https://www.ulstl.com/

  • 314.615.3644
    3701 Grand Sq.
    St. Louis, MO 63108-3627

  • 314.388.9840 x 113
    8960 Jennings Station Road
    St. Louis, MO 63136-1413

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Electro Link

Check out what's happening at Electro in the latest edition of the Electro Link newsletter.

Check out the full newsletter, here

Updated Funds Availablity 

We've updated our funds availability to serve you better. Previously, up to $200 was available to you on the first day when a hold was placed on a deposited check. With this change, up to $225 will be available to you on the first day when a hold is placed on your deposited check. Although all checks are not subject to holds, this change means you may have an additional $25 available on the first day when a hold is placed on your deposited check. To read the complete document that explains this regulation change in detail, including releasing more funds to you on deposited checks, click below.

Read more

Community News

You Can Help. Give Blood.

Unfortunately, our blood drive scheduled for May 20 was canceled, but Mississippi Valley Regional Blood Center(MVRBC) still has room for you at their donor centers! If you are healthy and able, please consider scheduling an appointment to donate at one of their permanent Donor Centers or a nearby mobile blood drive

Your donation is especially important as multiple blood drives have been canceled due to COVID-19. If you have any questions about scheduling your appointment, please call MVRBC at 800.747.5401 ext. 1281 or text them at 999.777.

Schedule My Donation

Health+Homes

Giving back to the communities we live and work in is woven into all we do at Electro Savings and we're proud to announce our involvement in the Health+Homes initiative. Health+Homes is a Missouri-based nonprofit 501(c)3 with a mission to provide access to healthy lifestyles and neighborhoods and affect change for those who seek to strengthen their community through the inclusion of all persons.

We're working with other great companies in the St. Louis area as they work to breathe new life into the West Florissant Ave corridor in Ferguson. Read more about their initiatives and our involvement.

Check out Health+Homes online for more information on this worthy cause.


Upcoming Financial Workshops & Events

In the best interest of our members, employees and community, all Electro financial workshops and events are indefinitely suspended. We are saddened we are not able to connect in-person as we follow recommendations of the Centers for Disease Control and Prevention (CDC)

Stay safe and we are confident we will see you soon. Together we are stronger.