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    ECU Beside You

    Update on How ECU is Protecting and Serving Our Members

    At Eastman Credit Union (ECU), the health and safety of our employees and members is at the forefront during these unprecedented times.  We understand that many of you are taking precautions and limiting face-to-face activities outside the home and adhering to social distancing guidelines. Be assured you can continue to conduct your daily finances utilizing the branch drive-throughs or without ever visiting a branch by using online/mobile banking, ATMs, or the Member Contact Center.

    Following national and state guidelines on how to safely reopen branch lobby operations, we are happy to announce ECU has reopened our branch lobbies and services have been expanded to include all regular branch transactions. 

    To maintain proper social distancing, the number of members allowed inside our branches at any given time will be limited and monitored at the front entrance.  You may be asked to wait outside until someone exits the building.  Please note, our public restrooms have been temporarily closed. 

    *You will be asked to temporarily remove any face covering for identification and security purposes.

    Online and Mobile Banking

    For immediate account access 24 hours a day, 7 days a week, please use one of the following self-service options:

    Online banking and mobile banking       

    • Deposit checks - Watch Video Demo
    • Use Skip-A-Pay for loan payments
    • Transfer money & payments
    • View transactions
    • Apply for loans & open accounts

    Log in to online banking

    After-Hours Depository

    If you need to make a deposit and do not need cash back, you can skip the line and use the after-hours depository.

    Located at each branch, the after-hours depository is checked at the beginning of each business day.

    Drive-Through & ATM

    • Drive-through teller transactions can be performed at all branch locations during normal business hours.

    Member Contact Center

    We are experiencing higher than usual call volumes and appreciate your patience. If you need to speak with a Member Contact Center Representative, please call 423.229.8200 or 800.999.2328, Monday through Friday, 7:30am-5:30pm EST.  In addition, our live chat option is now available on our website.

    Branches and Appointments

    ECU branch lobbies are open Monday – Friday, 7:30am to 5:30pm EST, with the following exceptions:

    • North and South Longview Branch (Texas) lobbies will be open from 8:00am-5:30pm CST. 
    • Eastman B-230 Branch (Kingsport) and the Holston Valley Hospital Branch (Kingsport) will remain closed at this time.

    Please make note of the following important guidelines for member assistance.

    • The number of members who may be inside a branch at one time will be limited to allow for proper social distancing and will vary based on the size of the location.  Members will be seen on a first-come, first-served basis and we ask that only the member conducting business plan to enter the branch.
    • Important Information Regarding Virginia Branches Only:  Per the Commonwealth of Virginia's Executive Order 63, members entering ECU will be required to wear a mask.  If you are unable to wear a mask or do not have one, we ask that you allow us to serve you through our drive-through.

    Financial Assistance Programs

    If you experience a financial hardship as a result of the coronavirus event, we are here to help. We have loans and assistance programs in place to help.  Please reach out to us by visiting a branch or calling our Member Contact Center at 800.999.2328.

    Frequently Asked Questions

    Can I come in the branch for my transaction?

    Yes, branch lobbies are open for teller transactions and other in-person member assistance needs.  Please note, our public restrooms have been temporarily closed. 

    Do I need to make an appointment to visit the branch?

    No. Appointments are not being made at this time for in-branch assistance. Service is available on a first-come, first-served basis. 

    How many members may enter the branch at a time?

    The number of members permitted inside a branch at one time will vary based on the size of the branch.

    I prefer to use the lobby for my transaction. Are there restrictions for going inside?

    A limited number of members may enter the branch at one time and will be asked to adhere to the recommended six-foot social distancing guideline. When the lobby has reached capacity, you will be asked to wait outside or in your vehicle until a member exits.

    If I am waiting to see a Member Representative, how will I know when it’s my turn?

    You will be entered into our lobby tracking system and will receive a text message when a Member Service Representative is available to assist you. If you don’t have a cell phone and choose to wait in your car, a staff member will come to your car to get you.

    Who is allowed inside the branch?

    To maintain social distancing guidelines while serving as many members as safely possible, we are asking that only the member conducting the transaction plan to enter the branch.

    Are non-members allowed in the branch?

    Only non-members who wish to establish membership or conduct limited transactions may enter the branch. Only the person conducting the transaction is allowed in the branch.

    Do I have to wear a face mask to come inside the branch?

    Wearing a face mask is not a requirement in our Tennessee and Texas branches, although you are encouraged to do so.  See information below regarding Virginia branches.

    Important Information Regarding Virginia Branches Only:  Per the Commonwealth of Virginia's Executive Order 63, members entering ECU will be required to wear a mask.  If you are unable to wear a mask or do not have one, we ask that you allow us to serve you through our drive-through.

    What are your hours of operation?

    Branch lobbies, drive-throughs, and our Member Contact Center hours of operation are:

    Monday-Friday, 7:30am to 5:30pm EST

    *Some exceptions are noted above.

    How long will ECU have limited capacity in the branches?

    We are following guidelines provided by health officials and federal agencies in an effort to reduce the spread of COVID-19 and will adjust operations according to their recommendations.

    What is ECU doing to prevent the spread of coronavirus?

    Transparent barriers have been installed at each teller station and Member Service Representative desk.. Additionally, the branches are cleaned nightly, employees have supplies to frequently clean high-touch areas and surfaces, and we are educating employees on best practices recommended by the CDC.

    What services can’t be completed at the drive-through?

    Most services can be completed at the drive-through; however, members who need to withdraw more than $10,000 may be asked to come inside.  In addition, if you need to complete a cash advance on a non-ECU credit card, this will need to be completed inside the branch​.

    Can I still use online banking or the mobile app for my transactions?

    Yes! Members are encouraged to limit face-to-face activities and access self-service options when possible.

    Have I received my Stimulus Check deposit?

    Stimulus check deposits are being delivered by the US Treasury via direct deposit and mail. ECU is unable to provide any information on when the US Treasury will issue a member's specific check or how much a member might receive.

    The IRS and US Treasury have provided a website where you can check the status of your individual check(s), and find out more information about the program at https://www.irs.gov/coronavirus/economic-impact-payments.

    Need Assistance With:

    • Mortgage Loans

      ECU Mortgage Support is available by phone Monday - Friday from 7:30 am - 5:30 pm.  Phone numbers are listed below based on your service area.

      Texas members:       (903)686-1588

      All other members:   (423)578-1100

      If you have questions about a mortgage or would like to apply, please visit our mortgage page for more information.

       

    • Auto, RV, Student, and Consumer Loans

       

      To assist, consumer loan late fees will be waived for March, April, and May 2020. Members may skip up to three months of payments for eligible Consumer Loans and any associated Skip-a-Payment program fees will be waived.  Participation in the Skip-a-Payment program will not have a negative effect on members’ credit reports or payment history.  Please note that postponing payments will cause the maturity of the loan to be extended.  Skip-a-Payment can easily be accessed through online banking at ECU.org or ECU Mobile App, or by contacting ECU at (800)999-2328.

      Student Loans:

      For assistance with your Principal & Interest Student Loan or Student Consolidation Loan, you may skip the payment using the request form found in the ECU Online Banking platform.

      For assistance with your Interest Only Student Line of Credit (for students actively enrolled and taking draws on their student line of credit for post-secondary expenses), please call (800)999-2328 to speak with our Member Contact Center or complete this online form to have a member of our team reach out to you.

       

       

    • SBA Loan Questions

      Important Update:  Please submit your SBA PPP application and supporting documentation no later than June 19, 2020.  ECU will accept SBA PPP applications through June 19, 2020 if SBA funding remains available.

       

    • Update on Seminars & Events

      Due to the COVID-19 pandemic, all events, seminars, and Shred Days have been postponed through May 31.  

      Shred Days have been rescheduled.  To see the new dates, please visis: https://www.ecu.org/Resources/Seminars-Events/All-Seminars 

    • Tips to Help Protect You from Fraud & Scams

      The Federal Trade Commission offers useful resources for consumers and business owners. 

      FTC’s Coronavirus Advice for Consumers 

      https://www.ftc.gov/coronavirus/scams-consumer-advice )

      Stay safe by using these Federal Trade Commission tips to avoid COVID-19 scams.

      • Don’t click on links from sources you don’t know. They could download viruses onto your computer or device.
      • Watch for emails claiming to be from the Centers for Disease Control and Prevention (CDC) or experts saying that they have information about the virus. For the most up-to-date information about the Coronavirus, visit the Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO).
      • Ignore online offers for vaccinations. There currently are no vaccines, pills, potions, lotions, lozenges or other prescription or over-the-counter products available to treat or cure Coronavirus disease 2019 (COVID-19) — online or in stores.
      • Do your homework when it comes to donations, whether through charities or crowdfunding sites. Don’t let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don’t do it.

      Please remember it’s very important to never give your personal information in response to a phone call, email, or text.  For more information on how to protect yourself from being scammed, visit www.consumer.ftc.gov.

      The Federal Trade Commission maintains the latest information on scams related to coronavirus.

      corona_graphic.png

       

      Did an ID Thief Steal Your Stimulus Payment?  Report it.

      Avoid SBA Loan Scams

      Don’t click links in unsolicited text messages

    • Helpful Info from the IRS and FAQs on the Economic Impact Payments

      ECU would like to help you find answers to the questions you have concerning Economic Impact Payments

      Where can I get the latest information about my Economic Impact Payments?

      The latest information is available here:

      Official IRS website for Economic Impact Payment Information  

      * Please remember to be aware of scams relating to the Economic Impact Payments.  Do not give out your personal or account information in response to a phone call, email, or text.

      If you are the victim of a scam or you encounter a scammer, please report it to the FTC.

      Can I Track My Economic Impact Payment?

      Yes, the IRS has created a “Get My Payment” tool to provide the status of an individual’s payment, including the date payment is scheduled to be direct deposited or mailed.

      Update 5/20/20:  

      The IRS is going to start sending out ~4 million of the EIP payments on preloaded debit cards this week. They can be used at Plus, Interlink, and Star ATMs or anywhere VISA debit cards are accepted. The link to the FAQ is below. 

      https://www.eipcard.com/faq/

    • Financial Wellness Coaches & Resources Available to All Members

      New-GP-Logo-2020-(1).jpg

      Article courtesy of GreenPath(TM), a partner of ECU, offering ECU members access to free and confidential financial wellness counselors and resources. 

      LEARN MORE ABOUT GREENPATH

      If you have questions or concerns about your ability to make your existing ECU loan or mortgage payments, please visit www.ecu.org/together to better understand your options or call us Monday thru friday 7 a.m. to 7 p.m. for assistance.


      When things are out of our control, it's helpful to focus on what we can control. GreenPath's Kristen Holt shares 5 things you can do to manage your financial concerns.

      VIDEO:  Things You Can Do Now to Address Your Financial Concerns

      GreenPath President and CEO Kristen Holt shares some tips on what to do if you've lost your job due to the coronavirus outbreak.

      VIDEOLoss of Income

      GreenPath CEO Kristen Holt discusses how to best put your stimulus check to good use.

      VIDEO: How to Best Use Your Stimulus Check

      GreenPath CEO Kristen Holt offers advice for those financially impacted by COVID-19.

      VIDEO: How GreenPath's FREE Financial Counselors Can Help You

      As a member of ECU, you can take advantage of the GreenPath program, a free financial education and counseling program.  GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpath.com.

      ECU offers an extensive list of financial education tools.

      Teaching tools and resources are also available free of charge.

    • Financial Aid Available For Certain Families That Lost Employment Due to COVID-19

      There is help for certain families in TN who have lost their employment due to COVID-19.  Emergency cash assistance applications are being accepted online for qualifying families that lost a job as a result of the pandemic state of emergency. Click here to learn more and complete an application.

      CLICK HERE for more information and to complete an application.

       

    • 2020 Required Minimum Distribution Waivers and Rollover IRAs

      The Coronavirus Aid, Relief, and Economic Security (CARES) Act, passed on March 27, 2020, allows IRA owners to waive the 2020 required minimum distribution (RMD) for Traditional IRAs and Inherited (Beneficiary) IRAs. This includes 2019 RMDs if you reached 70 ½ in 2019 and delayed your 2019 RMD into 2020. The CARES Act also allows IRA owners who have already taken the RMD distribution from February 1, 2020 – May 15, 2020, to rollover the RMD by July 15, 2020, assuming no other rollovers have been made within the past 12 months.  Distributions taken after May 15, 2020 will continue to have the 60 day rollover rule.

      Under these law changes, Eastman Credit Union will not automatically waive the RMD for 2020. If you need to make changes to your RMD election to include the 2020 waiver, please contact your local branch. Documents may be prepared in advance to conveniently sign through the drive-thru or can be mailed to you.

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