COVID-19 Information for Members

Recent Updates

Like you, AmeriCU is doing everything we can to ensure the safety and health of our members, employees and community. We continue to monitor the COVID-19 situation closely, and will keep you informed with the most up-to-date information.

April 3, 2020: Assistance for Businesses Facing Financial Hardship – AmeriCU is here for you and your business during these uncertain times. We will be participating in the SBA’s Paycheck Protection Program and will have more details available on Monday. For information about the program, please visit https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program-ppp. Please check this website again on Monday, April 6 for details on how to apply through AmeriCU. If you have questions about your current AmeriCU loans, please contact your Commercial Loan Officer.

March 30, 2020: All AmeriCU Financial Center Drive Thrus, ATMs, and Kiosks are open and available for transactions. This includes our Fort Drum location. Walk-in teller transactions are not available and in-person meetings are by appointment only at all locations

March 26, 2020: To protect our members and employees from the spread of the coronavirus, our Fort Drum Financial Center is temporarily closed. All ATM, kiosk, drive thru, and night deposit services at this location are suspended. Please visit our Watertown location for drive-thru, shared branching, and ATM access. Our Member Service Center is available at 800.388.2000. Please visit www.americu.org frequently for updates.

March 20, 2020: New York State Governor Andrew M. Cuomo today issued a mandate that all non-essential workers stay home effective March 22, 2020. As a reminder, banking services like AmeriCU remain an essential service to the community and are exempt from workforce reduction mandates. Our Drive-Thrus and Member Service Center will remain open during regular business hours and our kiosks, ATMs, and online services will continue to be available 24/7. We are here for you and we will continue to provide you the same financial services as we always have.

March 19, 2020: AmeriCU will not close. Banking Services, including AmeriCU, are essential services to the community. We, like grocery stores and medical facilities, are exempt from workforce reduction mandates from New York State.

We are here for you and will continue to remain open and serving you. We will continue to provide you the same financial services as we always have. And, even in these uncertain times, you can be assured that your money is still safer in your AmeriCU accounts than anywhere else.

Our lobby doors may be closed, but our kiosks, ATMS, and Drive Thrus remain open. We have directed transactions to the Drive Thru as we work to keep each other safe and healthy. This is so that we can continue to provide vital financial services and keep you and your money safe. We have expanded our Drive Thru capabilities to better meet your needs.

We will remain open for you, helping you live life, dream big, and achieve financial success. We will be here, as we always have.

March 19, 2020: Temporarily, during the COVID-19 outbreak, AmeriCU Financial Center lobbies will be closed beginning Thursday, March 19. To ensure we can continue to provide our members with the financial services they need, Drive-Thrus will be open and available during normal business hours. Financial Center employees will also be available by phone to take your loan applications, answer your questions, open an account, and assist with what you need as best we can. Please call 800.388.2000 for assistance or to make an appointment. We will resume normal operations as soon as possible.

March 17, 2020: We strongly encourage members to practice social distancing and use online & mobile banking.

March 16, 2020: AmeriCU Insurance Services has cancelled in-person Medicare Seminars and Mobile Office Hours at this time. Our licensed agents are still here to help you and are available to discuss your Medicare options, enrollment, or plan changes by phone. In the Watertown/Lowville areas, contact Erin Cordova at 315.356.3307 (TTY 711) or erinc@americu.org. In the Syracuse, Utica/Rome, or Cortland areas contact Paul Holgate at 315.356.3312 (TTY 711) or paulh@americu.org.

 

Frequently Asked Questions

What is AmeriCU doing to protect employees and members?

As of Thursday, March 19, to protect members and employees, our Financial Center lobbies are closed. The Drive-Thrus will remain open during normal business hours and Financial Center employees are available by phone. Please call 1.800.388.2000 to speak to a Financial Center employee or make an appointment. We are still following all cleaning and sanitizing procedures as recommended by the Centers for Disease Control. Any employees who are ill have been instructed to stay home for the duration of their illness. We are encouraging employees and members to practice social distancing as much as possible.

Is AmeriCU still open?

As of Thursday, March 19, Financial Center lobbies are closed. To ensure we can continue to provide our members with the financial services they need, the following options are available:

Drive-Thrus will be open and available during normal business hours Financial Center. The following Financial Centers do not have Drive-Thru services available: Cortland, Cazenovia, Herkimer, Lowville, Armory Square. Members who need to do transactions at these locations are encouraged to use online & mobile banking, use our Big Blue Kiosks or fee-free ATMs, or visit another AmeriCU Financial Center. A full list of locations and ATMs can be found at https://www.americu.org/locations-atms/.

Financial Center employees are still available by phone to take your loan applications, answer your questions, open an account, and assist with what you need as best we can. To talk to our Financial Center employees or make an appointment, call 800.388.2000 during normal business hours.

Big Blue Kiosks are available at every Financial Center. Members can perform nearly any transaction you would do at the Teller Line – make deposits, take out cash, check account balances, make loan payments, print Official Checks, and more. Learn more about our Big Blue Kiosks.

Online & Mobile Banking and eServices are available 24/7 at www.americu.org or by downloading our free mobile banking apps from the App Store and Google Play. Our online & mobile banking gives you the tools you need to manage your accounts without visiting a Financial Center – check balances, deposit checks from your smartphone, make loan payments, and more. Learn more about AmeriCU’s online & mobile banking services at  https://www.americu.org/personal/member-services/

Apply for a loan, open an account, or become a member – all online! Visit www.americu.org where you can complete loan applications, become a member, or open a deposit account without having to visit a Financial Center. All necessary paperwork will be completed online or by email, and our staff will also be available to answer questions by phone.

Member Service Center available at 800.388.2000 as always to answer your questions and assist you 24 hours a day, 7 days a week.

What should I do if I can’t use online & mobile banking?

If you have any questions about your account or the services available to you, please call our Member Service Center at 800.388.2000.

How can I protect myself from scams?

Unfortunately, there have been an increase in scams lately as fraudsters try to take advantage of the current situation.  Be extra vigilant about potentially fraudulent emails and phone calls at this time.  If you ever have a question about whether a call, email, or letter from AmeriCU is legitimate, please call our Member Service Center at 800.388.2000.

Please note: AmeriCU will NEVER contact you by phone or email and ask you to verify your account details such as debit or credit card numbers, social security number, and/or passwords. If you receive an email, text message, phone call like this, please contact us immediately and do not provide any information to the sender.

Is my money safe at AmeriCU?

There are a lot of things to worry about these days, but the safety of your money in AmeriCU isn’t one of them.  Your money is safe, and your accounts are fully insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000.  There is no risk to keeping money in your account, but there are countless risks to holding cash. We are an essential service and will remain open and ready to serve your financial needs.

 

Online & Mobile Banking and eServices

To help you reduce your risk of exposure to COVID-19, we would like to remind you of the many ways you can manage your money from home with AmeriCU’s online and mobile banking services.  We also encourage you to use ATMs, kiosks, and drive-thru services as much as possible.

Log onto your online banking account at www.americu.org, where you can:

  • Access your checking, savings, credit card, and loan accounts;
  • Make loan payments or transfers;
  • Check pending debit card transactions;
  • Pay bills;
  • Send money to other people or financial institutions.

If you haven’t already, you can download the AmeriCU App at the App Store (iPhones) or Google Play (Android).
With our free mobile app on your smartphone, you can:

  • View account balances;
  • View recent transactions;
  • Transfer money between your shares;
  • Pay bills;
  • Make loan payments;
  • Deposit checks – just by taking a picture;
  • Find an ATM near you.

You can also apply for a loan or open a new deposit product through our online application at www.americu.org.
Or, our Member Service Center is available by phone to assist you and answer any questions you may have – 24 hours a day, 7 days a week – at 800.388.2000.

Big Blue Kiosks

AmeriCU members can perform most routine transactions at our Big Blue kiosks available in Financial Center lobbies – 24 hours a day, 7 days a week! You can make deposits, take out cash, check account balances, make loan payments, print Official Checks, change address information, print mini-statements, and more.

Assistance for Members with Financial Hardship

COVID-19 Financial Relief Program

We understand that many of our members may be facing financial hardships. As businesses reduce operations or close temporarily, AmeriCU is here as your financial partner. We have promised to help you live life, dream big, and achieve financial success – and that is especially true during difficult times. That’s why AmeriCU is offering special COVID-19 Financial Relief options to our members including:

– Temporarily waiving penalties for early withdrawals from Share Certificates (up to $20,000)*.

– Expanding loan deferral options. Eligible members can receive loan deferrals for a limited time*.

– Offering a skip-a-pay program for AmeriCU Credit Cards. Members in good standing with an AmeriCU credit card can request to skip their April statement payment.

– A new low-interest COVID-19 Relief Loan available to current members** to help supplement income or cover unexpected costs incurred because of the pandemic.

If you need financial assistance and are interested in any of AmeriCU’s relief programs, please call 800.388.2000 Monday – Friday 8AM – 6PM or Saturday 9AM to Noon. We are all in this together and are ready to help you however we can.

Important Message For Members With Credit Insurance: If you elected Credit Life or Disability Insurance on your loan with us and are facing financial troubles due to a covered loss, please contact us to file a claim or discuss what benefits may be available under the coverage. As part of the same community, AmeriCU is committed to doing our part to keep us safe and sound throughout ongoing developments related to the coronavirus (COVID-19).

*Subject to change without notice.

**Must be a current AmeriCU member in good standing. Loan rates and terms are determined by each individual’s credit history and underwriting factors, and are subject to change without notice. Loan amount not to exceed three times the monthly income of the primary borrower. Applications are subject to credit approval.