July 31, 2020 Update, COVID-19 and your Credit Union
Memphis City Employees Credit Union is committed to safeguarding the health of our members, staff, and volunteers.
Many of our members are choosing to use Online and Mobile Banking and our Member Service Center in place of visiting a branch. Please be aware that our hold times may be slightly longer due to the increased volume. Our phone number is 901-321-1200 or toll free 1-877-825-3180.
Remember too, that you have free access to almost 30,000 ATMs in the CO-OP Network®. To find the surcharge-free CO-OP ATMs in your area, visit WWW.CO-OPNETWORK.ORG
Some of OUR BRANCHES are OPEN; however, our Whitehaven Branch is Drive-thru Only.
Your health and the health of our staff is our highest priority. In compliance with Tennessee's reopening guidelines, during your visit to one of our branches:
- Please do not enter if you are feeling sick or if you have a cough, fever, sore throat, flu-like symptoms or have had contact with a person with diagnosed or suspected COVID-19 in the past 14 days. (We will be happy to serve you through our Drive Up Windows or with our Electronic Banking Services.)
- Please wear a face mask, if you have one. We may ask you to lower it momentarily in order to properly identify you and assure your account's security. Our staff will be wearing face coverings for the safety of each other and our members.
- Please practice social distancing and maintain a minimum 6-foot distance from others. We have floor marking in place and ask that only the member performing the transaction enter the branch.
- Germ guards have been installed on behalf of our members and our employee’s personal safety. All parties are asked to remain behind germ guards during transactions. Branch sanitation and cleaning measures are also in effect.
- All public restrooms, water fountains and soda machines are closed. The COINTSTAR machine at our Mt. Moriah branch is also not available.
We apologize for the inconveniences of these measures and appreciate your understanding and cooperation. You are valued and we appreciate your membership!
Our New Stage Road Branch address is:
5751 Stage Road
Bartlett, TN 38134
The new branch has been designed to better serve you. In addition to 2 drive-thru windows and a drive-up ATM, this full-service branch has plenty of parking spaces, a spacious lobby, and the same operating hours as our other branches.
On April 24th, the Federal Trade Commission issued an updated publication: FTC sends COVID-related warnings to marketing companies:
A business opportunity that promises you can work from home, earn lots of money, and enjoy a lavish lifestyle? Sounds tempting, particularly now, when so many people are out of work because of the Coronavirus pandemic. But letters the FTC sent today to ten multi-level marketing companies are a reminder to research an MLM business before investing your money and your time.
The FTC’s LETTERS TELL COMPANIES to immediately stop their distributors from telling people that they’re likely to get rich by investing in the business. They also demand the companies immediately stop all claims that their products can treat or prevent COVID-19, as there’s no evidence or scientific testing supporting claims that those products can help prevent or treat the disease. READ ARTICLE
On April 20th, the Federal Trade Commission issued an updated publication: Coronavirus stimulus payments scams: What you need to know: READ ARTICLE
Here’s what you need to know about the stimulus payments and how to avoid scams related to these payments.
Who will get money?
Adult U.S. residents that meet established INCOME LIMITS are eligible to receive money from the government. This includes:
Taxpayers – people who filed a federal tax return for 2018 or 2019.
Retirees – people who get Social Security, Railroad, or other retirement benefits.
Beneficiaries – people who get public benefits like SSDI, disability, or veterans’ benefits.
Non-filers – people who do not have to file a federal tax return, including people who made no income or made less than $12,200 (or $24,400 for married couples).
What to do
Most people don’t have to do anything to get their money because the IRS will use the same payment method – direct deposit, Direct Express debit card, or paper check – used to send you your tax refund, Social Security, retirement, or other government benefits money. If the IRS doesn’t have your direct deposit information, you can go to the “Get My Payment” feature at IRS.GOV/CORONAVIRUS and let them know where to send your direct deposit.
If you don’t usually file a tax return, go to irs.gov/coronavirus to access the “Non-filer” portal and to figure out what, if anything, you have to do to claim your money.
To check on the status of your payment, you can now use the “Get My Payment” feature at irs.gov/coronavirus.
Avoiding Coronavirus stimulus payment scams
Scammers are using these stimulus payments to try to rip people off. They might try to get you to pay a fee to get your stimulus payment. Or they might try to convince you to give them your Social Security number, bank account, or government benefits debit card account number. Below are 4 tips for avoiding a Coronavirus stimulus payment scam.
- Only use IRS.GOV/CORONAVIRUS to submit information to the IRS – and never in response to a call, text, or email.
- The IRS won’t contact you by phone, email, text message, or social media with information about your stimulus payment, or to ask you for your Social Security number, bank account, or government benefits debit card account number. Anyone who does is a SCAMMER PHISHING for YOUR INFORMATION.
- You don’t have to pay to get your stimulus money.
- The IRS won’t tell you to deposit your stimulus check then send them money back because they paid you more than they owed you. That’s a FAKE CHECK SCAM.
Avoiding SSA scams during COVID-19
While some of you are home, practicing social distancing and frequent hand washing to avoid the Coronavirus, remember that scammers are still busy trying to take advantage of people. Some scammers are pretending to be from the Social Security Administration (SSA) and trying to get your Social Security number or your money.
Here's what to know:
- Do not trust caller ID. Scam calls may show up on caller ID as the Social Security Administration and look like the agency’s real number, but it’s not the SSA calling.
- Your Social Security number is not about to be suspended. And your bank accounts are not about to be seized.
- Don’t verify your Social Security number or any other personal information to anyone who calls out of the blue. If you already did, visit IDENTITYTHEFT.GOV/SSA to find out what steps you can take to protect your credit and your identity.
- SSA will never call to threaten your benefits or tell you to wire money, send cash, or put money on gift cards. Anyone who tells you to do those things is a scammer. Every time.
- Talk about it. If you’re getting these calls, chances are your friends and family are too. Please talk with them about it.
- People who know about scams are much less likely to fall for them. So by discussing them you are helping protect people you care for and people in your community.
The FTC has published the following ARTICLE to PROTECT YOURSELF from SCAMMERS.
Gift cards are a popular and convenient way to give someone a gift. They’re also a popular way for scammers to steal money from you. That’s because gift cards are like cash: if you buy a gift card and someone uses it, you probably cannot get your money back. Gift cards are for gifts, not payments. Anyone who demands payment by gift card is always a scammer. HTTPS://WWW.CONSUMER.FTC.GOV/ARTICLES/PAYING-SCAMMERS-GIFT-CARDS
Stay up to date with trustworthy information.
There is a lot of information being shared about the spread of COVID-19, and much of it is not from reliable sources. Facebook and other social channels are taking action to prevent the spreading of misinformation. HTTPS://ABOUT.FB.COM/NEWS/2020/04/CORONAVIRUS/
The Centers for Disease Control has created a webpage where they are posting the most up to date and reliable information at HTTPS://WWW.CDC.GOV/CORONAVIRUS/2019-NCOV/INDEX.HTML
The Shelby County Health Department has set up a hotline to call for information, including if you would like a speaker to address a group about the virus. The number is: 901-692-7523. Please check their website for details: HTTP://SHELBYTNHEALTH.COM