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We're supporting members as an essential business during the COVID-19 (Coronavirus) pandemic by remaining OPEN in our drive-thrus and select quick-service windows, and providing solutions for income disruption while observing safe social distancing. We've taken steps to help reduce the spread of Coronavirus by maintaining a team of "critical infrastructure workers" in our offices, with other non-essential employees working from home.

illustration of partner handsWe're here for you

Our Member Driven. Community Focused. commitment means we're looking out for the best interests of members during this turbulent time, focusing on providing the best service experience possible in every way we can. If you've been financially impacted, we invite you to reach out to us so we can help with solutions like extensions, skip payments, special relief loans, fee adjustments and more. Every situation is unique—let us design a plan that's best for you. Representatives are ready to assist you in our call center at (800) 879.9697.

Illustration of purse with lockYour money is safe

The security of your money isn't something you should have to worry about at a time like this. Since Service 1 FCU is federally insured by the NCUA (National Credit Union Association), you don't have to. Your deposits are automatically protected up to $250,000, giving you the peace of mind you need. You're safe with us! 

Illustration of open signOPEN with service adjustments

To do our part in reducing risk for disease transmission and comply with Michigan Executive Order No. 2020-42 and the addendum order No. 2020-58, Service 1 FCU branch lobbies have CLOSED until further notice. In order to deliver the best member experience possible, our drive-up lanes are OPEN, and members can access their accounts anytime, anywhere with digital banking tools like It'sMe247 Online Banking and our mobile app. Our quick-service walk-up window is OPEN at our Shell Knob, MO office. Thank you for your patience and understanding as we seek to be part of the solution.

Illustration of cash paymentStimulus payments

You may qualify for a government stimulus payment, or Economic Impact Payment (EIP), to help relieve financial strain. The CARES Act (Coronavirus Aid Relief, and Economic Security) approved payments for eligible Americans either by direct deposit or paper check from the US Treasury. This means that your payment may be automatically deposited in your Service 1 FCU account. For additional details about Economic Impact Payments, please reference the FAQ section below.


illustration of clock24/7 access with digital banking

Our digital banking tools make it quick and easy to bank online and mean you won't have to wait in drive-thru lines or on a telephone hold. We encourage you to take advantage of these convenient services—whether you’re paying a bill, depositing a check, transferring funds, and more—using:

» It’sMe247 Online Banking with Bill Pay and CU*Talk telephone banking

» The Service 1 FCU mobile app using your smartphone or tablet—including mobile check deposit, e-statements, transfers and more—for on-the-go access

» Mobile wallet for touchless payments with your Service 1 FCU debit or credit card

» Drive-up service or quick-service walk-up windows*

» Instant access to cash with a network of more than 30,000 surcharge-free ATM locations

» Phone representatives are available at your nearest Service 1 FCU branch and in our call center at (800) 879.9697; visit our website for locations, hours and contact information

*Services vary by branch location



Will I get a stimulus payment?

Individuals are eligible Economic Impact Payments through the CARES Act if they meet certain criteria as outlined on the IRS website. Payments began reaching recipients in mid-April through direct deposit into a bank or credit union account (if you filed your 2018 or 2019 taxes electronically), and more deposits and checks are set to be distributed in the weeks that follow.

How much will my payment be?

Eligible individuals will receive $1,200, up to $2,400 for two eligible individuals filing a joint return. Families will receive an additional $500 for each qualifying child claimed on a tax return who meets the certain conditions as outlined on the IRS website. For an easy-to-use calculation chart, visit the IRS publications page.

How will I know when my stimulus payment is coming?

Use the IRS "Get My Payment" tool to confirm your eligibilty, get the status of your payment, and find out if your payment will be electronically deposited or be mailed to you. You can even use the site to provide your Service 1 FCU account information for electronic (faster) payment, even if your previous taxes were not filed electronically. US Treasury paper checks are being sent to the lowest earners first.

If I don't file taxes, how do I check for my payment?

If you didn't file a 2018 or 2019 tax return because your individual situation doesn't require you to do so, your check will be mailed to you automatically. You're still able to check the status of your payment when you visit the IRS site and enter your information.

Can I deposit or cash my check at Service 1 FCU?

Members are invited to process a stimulus payment by depositing it into their Service 1 FCU account or receiving cash. It's recommended that funds are kept safely deposited in your account until needed for necessities like housing, groceries and other basic needs. To vigilantly combat fraud, your paper check may be subject to verification and you may be asked to show multiple forms of identification.

Your funds are federally insured by the NCUA for up to $250,000.

The account number used on my last tax return is no longer active. Can I get a paper check?

If your account is closed or no longer active, your financial institution is required to reject the deposit. You will then be issued a check mailed to the address on file with the IRS. This is generally the address on your most recent tax return or as updated through the United States Postal Service (USPS). You do not need to call the IRS to change your payment method or update your address at this time. For additional details about redirected payments, visit the IRS website.

Will my stimulus payment be taxable?

Economic Impact Payment recipients will not have a tax liability for stimulus checks. The payment will not be includible in your 2020 gross income and should not be factored into your Federal income tax return. According to the IRS, your EIP will not reduce your refund or increase the amount you owe when you file your 2020 Federal income tax return.

There has been some confusion on if deceased members are entitled to the EIP. The questions have now been answered. If the member is not alive on day of payment then they are not entitled to the EIP. The payment should be returned to the IRS. Below is the information in the FAQs. Please keep this information and help ensure members are sending the funds to the correct place.

Does someone who's passed away qualify for a stimulus payment?

No, payments made to deceased individuals must be returned. According to the IRS website, if a payment was made to someone who died before receipt of the payment, the entire payment should be returned to the IRS—unless one payment was made to joint tax return filers, in which case only the portion of the payment allotted the decedent should be returned.

Previously cashed paper check and direct deposit payments should be submitted using a check or money order and sent to the appropriate IRS address, and paper check payments should be voided before returning to the IRS. Please visit the IRS website Q&A section for complete instructions about how to handle returns and repayments.

How do I protect myself and my EIP from fraudsters?

Scammers are taking advantage of the federal economic relief response to COVID-19 to steal personal information. Individuals are targeted by regular mail, telephone, text messages, social media channels and email, causing thousands to lose millions of dollars—and their privacy. The IRS will not contact you to ask for your information for an Economic Impact Payment. To help protect yourself from the bad guys, find a list of tax scams and consumer alerts published by the IRS, or visit our Fraud Alerts page.

Where can I get more information about stimulus payments?

For everything you need to know, go to the Economic Impact Payment Information Center on the IRS website. Service 1 FCU member service representatives are also standing by in our call center, ready to help: (800) 879.9697. 


Our pledge to you

Our staff and support teams are continually monitoring the Coronavirus situation and taking every precaution to remain healthy, keeping your experience free of service interruptions, and implementing extra sanitary measures at all drive-through touchpoints. We're working behind the scenes to deliver services that meet your needs in both traditional and unconventional ways while complying with government executive orders and social distancing mandates. We appreciate the trust you've placed in us and look forward to the time when we can provide in-person service in our branches.

Follow us on Facebook and Twitter for real-time updates. Thank you for your patience as we work to serve you best! 

For more information about what credit unions can do for you, view a video from the Michigan Credit Union League.

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