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COVID-19 Response FAQs

Are your branches open?

Our Wildwood branch lobby will be temporarily closed as of 1/19/21. All other Electro branches will be open with limited capacity as we continue to follow CDC and St. Louis County Health Department guidelines detailed here to provide a safe environment for all.

What if I need to access my Safe Deposit Box at the Wildwood location?

If you need to access your safe deposit box at the Wildwood location, please call us at 314.434.6470 or 800.844.8313 to schedule an appointment. 

Are there restrictions on coming into a lobby?

For services that can't be performed through drive-up, phone or remote access, please be assured your safety remains our highest priority. We are limiting the number of people in the office along with enhanced procedures and protocols to ensure your in-person visit is as safe as possible. For your safety and the safety of others, you must bring and wear a proper face covering when visiting any Electro office. 

Maryland Heights Max Occupancy - 11 members
Tesson Ferry Max Occupancy - 8 members
Lafayette Center Max Occupancy - 5 members
Wildwood Max Occupancy - 7 members (lobby temporarily closed)

Am I required to wear a face mask or face covering?

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 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 at 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].
  • We're also available through private messaging on Facebook, 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?-Updated 12/22/20

The timeline for the second round of stimulus checks has yet to be determined. Electro will not be notified before these direct deposits begin going into members' accounts. For the most up-to-date information on the status of your stimulus payment, please visit the IRS's "Get My Payment" tool.

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 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.

Stimulus Payment & COVID-19 News Updates

First Wave of Stimulus Deposits (03/17/21)

The first wave of Stimulus Relief deposits settled to accounts on Wednesday, March 17. Distribution of payments is expected to continue for several weeks.
 
Due to expected high-call volume, we highly recommend checking your account using our online or mobile banking.
 

Third Round of Stimulus Payments (03/12/21)

On Thursday, March 11, President Biden signed the American Rescue Plan Act, which authorizes a third round of stimulus payments. The first Stimulus Relief Payments are expected to deposit on Wednesday, March 17. Distribution of payments is expected to continue for several weeks.
 
Due to expected high-call volume, we highly recommend checking your account using our online or mobile banking.

Check the Status of Your Third Stimulus Check

The IRS's Get My Payment tool is up to date with the new information for the third stimulus payment. You can check the status of all stimulus payments using the IRS's online tool.

Here are ways to check the status of your stimulus’ direct deposit in your Electro account:
  • Digital Banking is available 24/7 with our mobile app or online banking. You can monitor balances and transactions, deposit checks, transfer money, pay bills, control access to your Electro debit or credit card, and much more--all from your computer or smartphone.
  • SMS Text Banking is available to check account balances and recent activity.
Get more information about Economic Impact Payments on the IRS's website. Visit the Economic Impact Payments Information Center for answers about eligibility, payment amounts, what to expect, when to expect it and more.
 

Wildwood Office (lobby only) Closed Temporarily (1/19/21)

Our Wildwood office (lobby only) will be temporarily closed beginning 1/19/21. All other Electro offices remain open with limited capacity as we continue to follow CDC and St. Louis County Health Department guidelines to provide a safe environment for all.

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. Please note, your requested meeting date and time must be made at least 24 business hours in advance and is tentative until we contact you with a confirmation.

Schedule your virtual appointment
 

Maryland Heights Office Reopens (1/04/21)

Our Maryland Heights office lobby and drive-up will reopen Monday, January 4. We'll continue to follow CDC and St. Louis County Health Department guidelines to provide a safe environment at all our Electro offices.
 
Virtual appointments are also available during regular business hours to deliver personal assistance for services such as financial counseling, credit reviews, loan closings, and opening new accounts. Please note, your requested meeting date and time must be made at least 24 business hours in advance and is tentative until we contact you with a confirmation.

Schedule your virtual appointment

Second Stimulus Checks Coming Soon (12/30/20)

On Tuesday, December 29, the Internal Revenue Service (IRS) announced that is has already begun delivering the second-round of stimulus checks to millions of Americans who received a first-round payment earlier this year. The IRS will start making electronic payments this week, continuing into next week. Paper checks will begin mailing this week also.

Check the Status of Your Second Stimulus Check

The IRS "Get My Payment" tool is being updated with the new information for the second stimulus payments, but as of today (Dec 30) it is not active. The IRS says the online tool will be available again shortly. When it is active, check the status of both your first and second stimulus checks using the IRS's online.

Get more information about Economic Impact Payments on the IRS website. Visit the Economic Impact Payments Information Center for answer about eligibility, payment amounts, what to expect, when to expect it, and more.
 

Maryland Heights Office (lobby only) Closed Temporarily (12/23/20)

Our Maryland Heights office (lobby only) will be temporarily closed on 12/23/20. All other Electro offices remain open with limited capacity as we continue to follow CDC and St. Louis County Health Department guidelines to provide a safe environment for all.

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. Please note, your requested meeting date and time must be made at least 24 business hours in advance and is tentative until we contact you with a confirmation.

Schedule your virtual appointment

Wildwood Office Reopens (12/08/20)

Our Wildwood office lobby and drive-up will reopen tomorrow, Wednesday, December 9. We'll continue to follow CDC and St. Louis County Health Department guidelines to provide a safe environment at all our Electro offices.
 
Virtual appointments are also available during regular business hours to deliver personal assistance for services such as financial counseling, credit reviews, loan closings, and opening new accounts. Please note, your requested meeting date and time must be made at least 24 business hours in advance and is tentative until we contact you with a confirmation.

Schedule your virtual appointment

Wildwood Office Closed Temporarily (11/29/20)

Our Wildwood office is temporarily closed. All other Electro offices remain open with limited capacity as we continue to follow CDC and St. Louis County Health Department guidelines to provide a safe environment for all.

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. Please note, your requested meeting date and time must be made at least 24 business hours in advance and is tentative until we contact you with a confirmation.

Schedule your virtual appointment

St. Louis County "Safer At Home" Order (11/17/20)

St. Louis County is under new restrictions due to COVID-19. Fortunately, our branches--operating under our current guidelines--are not impacted by the new restrictions. Our branches will be able to remain open with limited capacity as we continue to follow CDC and St. Louis County Health Department guidelines to provide a safe environment for all.

For a complete list of our COVID-19 safety procedures, please view our COVID-19 Response FAQs.

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 virtual appointments, drive-up service, digital banking and ATMs as alternatives to inside branch banking.

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.
  • Face masks are required.
  • 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.

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

Unemployment Resources:

If you’ve 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.

Project Covid Virtual JOB EXPO is World's largest attended job expo/career fair with around 170,000 professionals and 7,000 recruiting companies right at your desktop. No need to travel anywhere, just signup and wait for JOB EXPO to organize your interactions.

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.

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. 

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

We partner with GreenPath, a non-profit, credit counseling organization to provide access to one-on-one financial counseling, debt management services, student loan counseling, housing services and online courses. Speak to a certified financial counselor by calling 877.337.3399. Or, visit greenpath.com for additional resources available to you.

Mortgage Options after Forbearance - GreenPath's self-direct, online course that aims to equip you with the tools to make this process a little easier. As the ongoing pandemic continues, many people have concerns about meeting mortgage payments as relief options end. For those facing financial challenges, it’s helpful to get clarity of what might happen after their forbearance is over. Our partners at GreenPath developed a self-directed.

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.

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Coming Spring 2021 to St. Peters, MO

Electro Savings Credit Union St. Peters, MO Groundbreaking

We're excited to announce we'll be opening a new branch location! We're growing into St. Charles County! Watch for our new St. Peters branch, located at 3315 Mid Rivers Mall Drive, opening in spring 2021. Our newest Electro branch will feature new technology, giving members the ability to perform transactions outside of the building using Interactive Teller Machines (ITMs). This location will also offer a more interactive in-branch experience for members who choose to come inside to take care of their finances.

Community News

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.