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Your safety and financial well-being are our top priorities. 

We're committed to your financial well-being and have made a few changes to ensure that each of our members has a safe banking experience. To help reduce risk we will be limiting the total number of people in our lobbies as well as controlling the flow of traffic in and out of the branches. You can read more about how each branch is implementing lobby traffic changes and expect the following changes when you visit: 

 

DON'T FORGET TO SANITIZE 

PLEASE WEAR A MASK

PHYSICAL DISTANCING

Now, when you enter our lobbies, you'll be checked in at the Sanitizing Station. In addition to offering protective resources, our friendly greeters will help monitor the traffic and number of people in our lobbies at one time. 

We strongly urge everyone who visits our branches to wear a face mask. No Mask? Just Ask! We will be providing masks for those who do not have one. If you bring your own, you will be asked to remove it briefly for identification purposes, 

We will require employees and members to maintain a physical distance of 6' while inside the branch. We've placed helpful markers to ensure your 6' space. Depending on lobby traffic you may be asked to wait in your vehicle. 

 

Additional Updates & Resources

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Immediate Financial Relief

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We understand the impact of COVID-19 and the various financial challenges that our members are facing during this time. Our goal is to remain adaptable to individual needs and to help ease the financial burden of COVID-19. If you are facing any kind of financial hardship, we encourage you to contact us as every situation is unique. 

    • Skip a Payment - If you need to skip a loan payment to focus on paying your more critical needs, we're waiving our Skip-A-Pay fee on all eligible loans. You can Skip-A-Pay in Online Banking by selecting the Skip-A-Pay widget. 

    • Loan Extensions - If you have an existing loan and are experiencing financial hardship, we may be able to modify your loan terms, depending on your loan type. Call us to discuss your options. 

    • Waived Convenience Fees - We understand that your banking experience may look a little different. We're waiving convenience fees to ensure our members can access and manage their accounts stress-free. 

    • Financial Counseling and Support - When it comes to financial obstacles, the answers aren't always black and white. Talk to one of our financial counselors today. 

 

IRS Economic Stimulus Payment

Where is my stimulus check being deposited?

If you used a Northern Skies account to receive your 2018 or 2019 tax return electronically, you should expect your stimulus check to be deposited directly to the same account. We encourage you to use Online or Mobile Banking to view pending payments and transactions, check balances, and transfer funds as we are experiencing an increased call volume.

When will I receive my stimulus check?

It is the IRS that determines when payments are made. Northern Skies will not know which round you are in until we receive payment for you. If you do not receive a stimulus check today, you may be scheduled to receive your payment in a future round. Many recipients will receive payments via check, and those are expected to be delivered over several weeks beginning the week of April 20th. The IRS offers a tool called "Get My Payment." It will allow you to check the status of your payment, see the delivery type (check or direct deposit), and will allow you to enter your direct deposit information if the IRS does not have it already. 

Am I eligible to receive a stimulus check? 

Tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment. For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $99,000 and $198,000 for joint filers with no children are not eligible. Social Security recipients and railroad retirees who are otherwise not required to file a tax return are also eligible and will not be required to file a return. For more information on eligibility please refer to the IRS Economic Impact Payment Information Center.

Do I need to file for the stimulus check?

Most people do not need to take any action to receive this payment. The IRS will calculate and automatically send the payment to you if you are eligible.  If you've filed your 2019 tax return, the IRS will use this information to calculate your payment amount. If you have not yet filed your return for 2019, the IRS will use information from your 2018 tax filing to calculate your payment. Eligible retirees and recipients of Social Security, Railroad Retirement, disability, or survivor benefits will automatically receive payment without filing. If you are not required to file taxes because you did not meet the income requirement to file or were not otherwise required to file a federal income tax return for 2019, you can provide the necessary information to the IRS easily and quickly for no fee through Non-Filers: Enter Payment Info.

Can my stimulus check be garnished?

While there is no provision in the CARES Act that prohibits private debt collectors from garnishing stimulus money, Northern Skies will not collect or garnish for any payments that are overdue. We are here to help support you and the community in every way we can. If you are facing any kind of financial hardship, please contact us to discuss your options.

 

Avoiding COVID-19 Scams and Fraud

Unfortunately, scammers are taking advantage of fears surrounding COVID-19. While you may be receiving an increase of emails, calls, and posts, some may be a ruse to take your money and get your personal information. Please refer to the FTC for a complete list of tips to help keep scammers at bay. 

In our continuing effort to keep your accounts secure, we’ve improved our alert system for potential credit or debit card fraud.

Here’s how it works:

      1. When potential fraud is detected, you will receive an automatic email notification from us, with the option to reply with "fraud" or "no fraud".
      2. One minute after the email, you will receive a text alert from 32874 between 7am and 9pm, with the option to reply with "fraud" or "no fraud" option.
      3. If there is no response received from you, five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud. Remember - our messages will never ask for your PIN or account number.

*The phone number for our Fraud Center has changed to 1-800-417-4592. If you add this number to your phone contacts and label it “Fraud Center,” it will display whenever you get a call from this number.

Additional Information

Your funds are safe - We are a federally insured credit union, offering a safe place for our members to save money. All deposits are protected by the National Credit Union Share Insurance Fund, with deposits insured up to at least $250,000 per individual depositor. Credit union members have never lost a penny of insured savings at a federally insured credit union. Additional information on NCUA share insurance coverage for consumers is available at MyCreditUnion.gov.

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