COVID-19 & DOcFCU
Important information regarding COVID-19 and DOCFCU:
As of Thursday, March 19, 2020, all DOCFCU branches are closed until further notice. While we temporarily cannot provide service to members in person, the credit union is fully functioning and our staff is ready to help you remotely.
As you navigate these difficult times, we encourage you to take advantage of the following credit union tools and resources:
Tools & Resources
Use Online Banking to monitor your DOCFCU accounts, transfer funds, schedule payments and more. Login to Online Banking here.
Deposit Checks Remotely with our Mobile App
Use the DOCFCU mobile app to deposit checks to your account using your smartphone. For your convenience during these times, we’ve increased the daily deposit total limit to $5,000. Download it from the Apple Store or Google Play stores.
24/7 Call Center
Please call 202.808.3600 or 888.626.9845 24-hours a day, 7 days a week. We apologize for longer than usual wait times due to the recent increase in calls. Our call center staff can also be reached at the following numbers:
- Samantha C., Call Center Manager: 202.808.3607
- Lena L., AVP of Member Services: 202.808.3602
- Ieasha H., Call Center Rep: 202.715.8671
- Jada R., Call Center Rep: 202.715.8661
- Orise F., MSR: 202.808.3610
You can reach us via email at email@example.com if you have questions about your accounts. Please remember – never email account numbers or other sensitive information.
COVID-19 Consumer Loan Deferrals
We recognize that the current pandemic is causing financial difficulties for many of you. We have set up a special loan payment deferral program to help you make it through these times. You may request a three (3) month deferment to the payment dates of your credit union loans. These include personal/signature loans, auto loans, VISA Cards, HELOC’s and home equity loans. We’ll also be waiving our normal Skip-a-Pay fees. Learn more about the program here. To request, please contact us at 202.808.3600 or 888.626.9845. To request online click the Covid-19 assitance form below.
Small Business Payment Protection Program
We are here to help small businesses remain operational during the pandemic. The Paycheck Protection Program under the CARES Act provides relief to small businesses with funds to pay up to 8 weeks of payroll costs including benefits. Funds can also be used to pay interest on mortgages, rent, and utilities.
DOCFCU Mortgage Payment Assistance Center
We are ready to help our mortgage borrowers as well if you are having difficulties making your mortgage payment. For eligible mortgage borrowers, we have a range of hardship programs to help you with your payments. Please contact us at 1.877.636.9780 or use our online Loan Solution Center.
To enroll using the online Loan Solution Center, you’ll need the following information:
- Log in to home banking at docfcu.org.
- Select your mortgage loan from your various accounts.
- On the next screen that comes up select the E-Statement Tab.
- Use the dropdown and select E-statements from the dropdown box
- Select any of your statements. Your loan account number will be in the upper right-hand corner below the property address.
Short-term emergency loans can help provide much needed funds when you need them. You won’t pay any interest on a DOCFCU emergency loan for 90 days. And, if you pay the loan in full before the end of 90 days, all interest will be waived. You can apply here.
CDs with No Early Withdrawal Fees
Should you need to cash in your DOCFCU certificate of deposit early during the COVID-19 pandemic, we will waive early withdrawal penalties. Please note that if you subsequently want to reinvest your money in a new CD you will earn the market rate at the time that you reinvest the money. You cannot do a partial withdrawal from a CD. Traditional IRA CDs are subject to IRS early withdrawal penalties. To learn more, please call 202.808.3600 or 888.626.9845 or email firstname.lastname@example.org.
Free ATMs and Shared Branches
You can use any ATM in our network for surcharge-free cash withdrawals. When using a Shared Branch, we recommend you reach out before you visit in person as many Shared Branches have adjusted their normal business hours. You can locate ATMs and shared branches here.
Answers to Frequently Asked Questions
No. However, you can conveniently contact us by phone anytime, send us an email, or visit an operating Shared Branch location for teller transactions.
Yes, our Accounting Department is posting all ACH transactions as normal.
ATM deposits will be processed twice a week, on Tuesdays and Thursdays only.
a. Here are some ways or ideas to meet the monthly transaction requirements and still earn on your Performance Checking account.
Update reoccurring monthly payments if you’re not doing so already.
- Utility Bills
- Cell Phone Bills
- Subscriptions – Netflix, Hulu, Disney +, Audible, Subscription Boxes, DashPass, and many more
Same-Day Delivery on a wide range of services.
- Order groceries – Whole Foods Prime, Postmates, Instacart, Walmart
- Order meals – UberEats, DoorDash, Grubhub
- Target Same Day Delivery through Shipt – great for household essentials, personal care, school/office supplies and even groceries!
Pay with your Mobile Wallet – your debit card wil be encrypted making it a safe alternative. You can check-out using your mobile wallet on most online retailers. Below are a few examples of mobile wallet providers:
- Apple Pay
- Google Wallet
- Samsung Pay
If you can give during these difficult times, remember to support your local community.
- Support your local restaurants by purchasing gift cards
- Support any of your favorite service providers by purchasing gift cards or future services (nail salons, hair salons/barbershop, personal trainers)
- Support nonprofits with donations (Meals on Wheels, No Kid Hungry, So Others Might Eat, Feeding America)
Economic Impact Payments
Economic Impact Payments - What Should Our Members Do With Them?
Here are six things we recommend thinking about when using the stimulus money:
- Prioritize: Focus on the bills that keep a roof over your head, the lights on and food on the table. Check with your local jurisdiction as many utilities and communications providers are working with consumers to waive fees, keep the power on and your internet connection working.
- Talk: With your credit union and other lenders. Many are offering low or 0% small dollar loans, skip-a-pay, loan modifications and other sources to help so you can use your payment for what you need now.
- Save some of it: If you set aside even $100-200, that can provide a cusion for bills that are coming in a couple of weeks. America Saves has solid resources and information to help with access to food and unemployment benefits.
- Don’t hoard cash: Keep it in your credit union. It’s safest there.
- Protect: There are lots of bad guys out there trying to use this crisis to get at your stimulus check and your money. Watch our for suspicious emails, texts or phone calls. Here’s a great article that can help you keep an eye out for these threats.
- Pay your taxes: The deadline for filing and paying income taxes has been extended to July 15th. If you haven’t saved to pay your income taxes, you may want to consider using the economic impact payment to pay your taxes.
Frequently Asked Questions About Economic Impact Payments
According to the IRS, no action is needed. Relief payments will be based on filed 2019 tax returns or 2018 returns for those who have not filed yet. The Treasury and IRS announced that Social Security beneficiaries who are not typically required to file tax returns will not need to file an abbreviated tax return to receive an Economic Impact Payment. Instead, payments will be automatically deposited into their bank accounts. Please visit IRS.gov/coronavirus for the most up to date information.
In the coming weeks, Treasury plans to develop a web-based portal for individuals to provide their banking information to the IRS online so that individuals can receive payments immediately as opposed to checks in the mail. Please visit IRS.gov/coronavirus for the current information.
Please stay safe and monitor the CDC and WHO websites for the latest information on this very serious pandemic.
Remember to do the following 5 THINGS to help stop the spread of COVID-19:
- HANDS: Wash them often – as long as it takes to sing “Happy Birthday” to yourself twice.
- ELBOW: If you have a cough, cough into it.
- FACE: Don’t touch it.
- FEET: Stay at least 6 feet apart when around others. Please take this seriously and practice social distancing as much as you possibly can. If we all do this, the pandemic will end sooner.
- FEEL: If you feel sick, stay home.
Avoiding COVID-19 Scams and Phishing Attempts
Scam emails will often claim to be from reliable authorities such as the CDC, HHS, WHO and others. These scams are designed to entice recipients into opening emails containing malicious content, such as attachments or links to web content. Opening these documents or links will likely result in compromise of device (computer, phone, tablet) with malicious code designed to steal personal and/or financial information. Please know that DOCFCU personnel will never ask you for your personal confidential information such as a password, PIN number or account information. Please be vigilant against coronavirus-related scams.
What You Should Be Looking Out For:
Scammers impersonating organizations such as the CDC, HHS, WHO and others, providing purported tips, safety measures, and/or updates on the outbreak. These scammers are leveraging:
- SMS (text) messages
- Phone calls
The FCC offers the following tips to help you protect yourself from scams, including coronavirus scams:
- Do not respond to calls or texts from unknown numbers, or any others that appear suspicious.
- Never share your personal or financial information via email, text messages or over the phone.
- Be cautious if you’re being pressured to share any information or make a payment immediately.
- Scammers often spoof phone numbers to trick you into answering or responding. Remember that government agencies will never call you to ask for personal information or money.
- Do not click any links in a text message. If a friend sends you a text with a suspicious link that seems out of character, call them to make sure they weren’t hacked.
- Always check on a charity (for example, by calling or looking at it’s actual website) before donating. (Learn more about charity scams.)