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COVID-19 Response FAQs

Are you open during Stay At Home Orders?

Financial Institutions are classified as an "essential business". We are open during business hours.

Why did you close your lobbies?

We are committed to containing the spread of COVID-19. Even though the lobbies are temporarily closed, we continue to offer drive-up service at both our Maryland Heights and Wildwood locations with extended weekday hours until 6:00 PM.

How long will you keep the lobbies closed?

While there is no specific timetable, we'll continue to monitor the situation on a daily basis. Continue to check our website for updates or you can always call us at 314.434.6470 during business hours.

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.

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?

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?

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.

What if I need to access my safety deposit box contents?

Call us at 314.434.6470 to schedule an appointment.

How can I get a debit card or credit card?

We'll provide debit cards at the drive-up window or mail it to you. Credit cards will be mailed only.

How can I get cash?

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?

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.

How will I close my Home Equity Loan?

We schedule an appointment for you to come to our drive-up window at either our Maryland Heights or Wildwood location to sign your loan documents.

COVID-19 News

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 with extended hours to 6 PM Monday through Friday, and open from 9 AM to 12 PM on Saturday.

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:

If you’ve already filed a 2019 tax return, the IRS will use the information to calculate the payment amount you’ll receive. If you haven't filed a return yet for 2019, the payment amount will be based on your 2018 tax filing. If you elected to have your refund automatically deposited into your account, the economic impact payment will be deposited directly into the same account on your filed return.

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.

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:


70 Corporate Woods Drive
Bridgeton. MO 63044

Other Resources:


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


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

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


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

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


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.

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


Several different services for men, women and families

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


Several different services for men, women and families.

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


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

4265 Shaw Blvd
St. Louis, MO 63110-3526


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

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


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.

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


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

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


Daycare, utility assistance, housing assistance, etc.

  • 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



Community News


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.