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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 Tuesday, May 26, our lobbies re-opened 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.

How do I schedule and appointment to come into a lobby once you re-open?

An appointment request form is available on the Locations & Hours page of the website, or you can call us at 314.434.6470.

What type of transactions can I do when I come into a lobby?

Appointments are accepted 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. We request that if your transaction can be handled using our drive-up, over the phone, or our remote access services, you continue to use these options for your safety and the safety of our employees. 

Will there be restrictions to coming into a lobby?

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. 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, 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. 

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.

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 long will you limit access to the lobbies?

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.

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?

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 you can make an apponitment. 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 will schedule an appointment for you to come to an office to sign your loan documents.

COVID-19 News

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

As production and print of our newsletter were completed before the COVID-19 outbreak and related health advisories, the following events advertised in the newsletter are postponed.

  • April Youth Month branch visits for members age 12 and under to receive their free gift. The National Youth Savings Challenge is still happening, as this does not require a branch visit
  • Member Appreciation Day on May 2
  • Senior and E-Statement User Shred Week on May 4-9

 

Community News

You Can Help. Give Blood.

Unfortunately, our blood drive scheduled for May 20 has been 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.