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Economic Impact Payment Details

On December 30, 2020, the Internal Revenue Service and the Treasury Department began delivering a second round of Economic Impact Payments as part of the Coronavirus Response and Relief Supplemental Appropriations Act of 2021 to millions of Americans who received the first round of payments earlier this year.

If you are having issues receiving your stimulus check, the Internal Revenue Service is urging you to visit IRS.gov for the most current information, rather than calling the agency or your financial institution. TVFCU staff does not have any information beyond what’s available on IRS.gov.

TVFCU does not have information regarding status of these stimulus payments.

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Stimulus Check Q & A

How much will my stimulus check be worth?

Eligible individuals will automatically receive an Economic Impact Payment of up to $600 for individuals or $1,200 for married couples and up to $600 for each qualifying child. Generally, if you have adjusted gross income for 2019 up to $75,000 for individuals and up to $150,000 for married couples filing joint returns and surviving spouses, you will receive the full amount of the second payment. For filers with income above those amounts, the payment amount is reduced.

When will I receive my stimulus check?

Some Americans may see the direct deposit payments as pending or as provisional payments in their accounts before the official payment date of January 4, 2021. The IRS reminds taxpayers that the payments are automatic, and they should not contact their financial institutions or the IRS with payment timing questions. Paper checks will begin to be mailed, Wednesday, Dec. 30.

Payments are automatic for eligible taxpayers

Payments are automatic for eligible taxpayers who filed a 2019 tax return, those who receive Social Security retirement, survivor or disability benefits (SSDI), Railroad Retirement benefits as well as Supplemental Security Income (SSI) and Veterans Affairs beneficiaries who didn’t file a tax return. Payments are also automatic for anyone who successfully registered for the first payment online at IRS.gov using the agency’s Non-Filers tool by November 21, 2020 or who submitted a simplified tax return that has been processed by the IRS.

Who is eligible for the second Economic Impact Payment?

Generally, U.S. citizens and resident aliens who are not eligible to be claimed as a dependent on someone else’s income tax return are eligible for this second payment. 

How do I find out if the IRS is sending me a payment?

People can check the status of both their first and second payments by using the Get My Payment tool, available in English and Spanish only on IRS.gov. The tool is being updated with new information, and the IRS anticipates the tool will be available again in a few days for taxpayers.

DEPOSIT: I’ll be receiving a paper copy, how can I easily deposit it into my TVFCU account?

Use tvfcuLIVE ITMs - Simply visit a TVFCU drive-thru or any of our in-store Food City branches to deposit your funds through an interactive teller machine (ITM), Monday through Saturday from 7 a.m. to 7 p.m. ET. The Downtown Branch drive-thru is open Monday through Thursday from 9 a.m. to 5 p.m. and on Friday from 9 a.m. to 6 p.m. ET. [ Please note- TVFCU will be closed Friday, January 1 in observance of the New Year holiday.]

Use a night deposit box — Simply visit a branch with a night deposit box.

NIGHT DEPOSIT BOXES ARE AVAILABLE AT THESE BRANCHES

Downtown                        Ringgold                           Athens                   

Kimball                             Eastgate                           N. Cleveland

Hixson                              Hamilton Place                 S. Cleveland

Soddy Daisy                     Highway 58                      Ooltewah 

I have more questions about my stimulus check. Where can I go for more information?

The IRS has developed several Q&As and organized them based on eligibility, requesting Economic Payment, calculating Economic Payment, Receiving Economic Payment and More About the Economic Impact Payment.

Please visit https://www.irs.gov/coronavirus/economic-impact-payments

 

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Based on the directive from the Hamilton County Mayor and Hamilton County Health Officer, members are required to wear a face mask while transacting business at any/all TVFCU locations. (TVFCU is adopting the face mask mandate for all of its branches, including those outside of Hamilton County in an effort to keep all members and employees safe.)

You may read the full directive here: http://health.hamiltontn.org/AllServices/Coronavirus(COVID-19)/Orders.aspx

We will be following the current advised timeline until further notice.

* For security reasons, all members will be asked to briefly remove face masks for identification purposes.
Thank you for your understanding as we seek to address both security and personal health risks.


Lobby Services:

TVFCU's implementation of technology and remote access services means members are no longer required to enter a branch to have a relationship with us! We encourage everyone to continue using our drive-thru ITMs, eServices and remote access features, including tvfcuLIVE Line, tvfcuLIVE Stream, and tvfcuONLINE with mobile deposit and bill pay. Individuals can also open an account or apply for a loan through tvfcu.com.

We have taken the necessary health advisory precautions and we are pleased to provide lobby services at the branches listed below.  This list is subject to change without any other notice, so please check it for updates before driving to a branch.

Branch Lobby
Location
Lobby Services
OPEN
Drive Thru
Hours
Chattanooga-
Eastgate
View OPEN Hours
Image
7 a.m.-7 p.m.
Monday - Saturday
Chattanooga-
Downtown
View OPEN Hours
Image
9 a.m. - 5 p.m.
Monday - Thursday
Open until 6:00 pm on Friday
Chattanooga-
Hamilton Place

View OPEN Hours
Image

7 a.m.-7 p.m.
Monday - Saturday
Chattanooga-Hwy 58

View OPEN Hours
Image

7 a.m.-7 p.m.
Monday - Saturday
Cleveland- North View OPEN Hours
Image
7 a.m.-7 p.m.
Monday - Saturday
Cleveland- South View OPEN Hours
Image
7 a.m.-7 p.m.
Monday - Saturday
Dayton View OPEN Hours
Image
7 a.m.-7 p.m.
Monday - Saturday
Fort Oglethorpe View OPEN Hours
Image
7 a.m.-7 p.m.
Monday - Saturday
Hixson

View OPEN Hours 
Image

7 a.m.-7 p.m.
Monday - Saturday
Kimball View OPEN Hours
Image
7 a.m.-7 p.m.(ET)
Monday - Saturday
Ooltewah View OPEN Hours
Image
7 a.m.-7 p.m.
Monday - Saturday
Ringgold View OPEN Hours
Image
7 a.m.-7 p.m.
Monday - Saturday
Soddy Daisy

View Open Hours
Image

7 a.m.-7 p.m.
Monday - Saturday

 

Branch Lobby
Location
CLOSED Drive Thru
Hours Available

Athens

Lobby is Closed until further notice.

7 a.m.-7 p.m.
Monday - Saturday

 

Food City Branch Lobby
Location
STATUS

Etowah

OPEN

Monday - Friday, 10 a.m. - 7:00 p.m.

East Hamilton

CLOSED until further notice.

Walk up ITMs are available from 7 a.m. - 7 p.m.

Highway 41

CLOSED until further notice.

Walk up ITMs are available from 7 a.m. - 7 p.m.

Red Bank

CLOSED until further notice.

Walk up ITMs are available from 7 a.m. - 7 p.m.

Lobby services at the TVA COC branch are suspended. Our walk up ITMs are available from 7 a.m. - 7 p.m. Monday - Saturday.

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DETAILS Before Driving to a Branch

Our branch drive-thrus are open from 7 a.m. – 7 p.m. Monday –Saturday. Although some of our branch lobbies are open for walk-in service during regular business hours, Monday - Friday, we are limiting the number of people in the lobby for safety reasons. As a result, we encourage you to make an appointment to avoid a possible wait. Please click the link above to request an appointment. We will give you a call back to confirm the day and time, and schedule your appointment.

If you arrive at an open lobby without an appointment, please be prepared to provide your contact information and wait in your vehicle until members with appointments are finished with their transactions.

These operational steps are vital to maintaining our services to our members, while keeping the health and safety of our employees and members top of mind.

EXAMPLES OF SERVICES NEEDED FOR A LOBBY APPOINTMENT: 

  • Coin Machine
  • Records Printing
  • New Accounts
  • Notary Services
  • Account Servicing
  • Cashiers Checks
  • ATM/Debit Cards - New or Replacement

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Releases:

  • Important Notice, 12/14:

    DO NOT ENTER TVFCU PREMISES IF YOU HAVE HAD A POSITIVE COVID-19 TEST AND HAVE NOT QUARANTINED FOR THE RECOMMENDED TIME PERIOD BASED ON CDC GUIDELINES. 

    VIOLATORS OF THESE REQUIREMENTS MAY BE SUBJECT TO HAVING MEMBERSHIP RESTRICTED OR TERMINATED, AND GOVERNMENT HEALTH AND POLICE AUTHORITIES MAY BE NOTIFIED.

  • Food City locations resume staffed branch hours, Monday - Friday 10 a.m. - 7 p.m./ Effective September 23, 2020
  • Mask Mandate directive extended until October 8
  • DIRECTIVE NO. 1 OF THE HAMILTON COUNTY HEALTH OFFICER EFFECTIVE JULY 10, 2020 (Directiva de Salud)
  • Annual Meeting tentatively planned for August 13
  • Made the PPP Request Form Live, 4/7 - 4/16
  • Launched tvfcuPAY which enables TVFCU loan payments via phone and online. 
  • All Encompassing Update Press Release, 3/20/20
  • Launched "Where Do I Go Guide"
  • News Release, 3/18/2020
  • Press Release, 3/13/2020

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TVFCU update thread on COVID-19 pandemic

Advisories-

  • The Chattanooga Times Free Press has created a resource to help increase awareness about ways the community can help nonprofits during the COVID-19 pandemic. Visit https://www.timesfreepress.com/nonprofits/ 
  • THERE'S NO NEED to hurry to the Credit Union! As a financial institution, TVFCU is considered an essential business by the government. Our drive-thru ITMs will remain OPEN as usual Monday-Saturday, from 7 a.m. to 7 p.m.
    Our Downtown Chattanooga drive-thru is open Monday-Thursday, 9 a.m. to 5 p.m. and Friday, 9 a.m. to 6 p.m. Members can also call the tvfcuLIVE Line at 423-634-3600, available Monday-Saturday from 7 a.m. to 7 p.m.
  • Time-Saving tip: For shorter wait times in the drive-thru, visit during our extended hours from 7 a.m. – 9 a.m. or 5 p.m. – 7 p.m. The regular business hours of 9 a.m. – 5 p.m. are busiest times, especially 11 a.m. – 1 p.m., which is usually the peak period and longest wait.
  • Through the CO-OP surcharge-free ATM network, the ATMs at area Publix and Circle K stores are free for TVFCU members. Please note however, that you may only make deposits at ATM’s owned and operated by TVFCU.

 

Wednesday, 3/18/2020-

After careful consideration and out of an abundance of caution for the health of our entire community, we have decided to temporarily suspend lobby services in TVFCU branches, but our drive-thrus will remain open as usual. However, you will still have access to your funds and other financial services from TVFCU, without ever stepping foot into a branch. We are here to help during these times and want to offer as many ways for you to access your account as possible. WHERE TO GO GUIDE

Refer to the services listed below to access your funds and account information:

  • Use tvfcuLIVE ITMs in the drive-thrus for cash and basic transactions: Monday - Saturday 7 a.m. - 7 p.m.
  • Call the tvfcuLIVE Line at 423-634-3600 for transfers and account services: Monday - Saturday 7 a.m. - 7 p.m.

Download our tvfcuLIVE Stream video banking app on your smart device or on your desktop by activating the orange video banking flag on the right hand side of your screen at tvfcu.com. You'll be connected to a TVFCU personal consultant to open new accounts or make account changes from the comfort of your home.

Hours of availability:

  • Monday - Thursday 9 a.m. - 5 p.m.
  • Friday 9 a.m. - 6 p.m.
  • Saturday 9 a.m. - 1 p.m. 
  • With tvfcuONLINE, you can transfer funds, make loan payments, view account balances, pay bills and more.
  • You can also download the tvfcuMOBILE app to check your balance, transfer funds and deposit checks.

Please visit our TVFCU Update Center at tvfcu.com/updates for new information as it becomes available. We are in this together. Thank you for your cooperation and understanding.


Friday, 3/13/20-

Out of an abundance of caution we are taking the following precautions inside our branches:
  • Complimentary coffee will not be available.
  • Public restrooms will not be available.
  • Our employees will be practicing social distancing, which means keeping a safe distance and limiting face-to-face contact with our members.
  • In addition, commonly touched surfaces in the branch and branch drive-thrus are being cleaned routinely throughout the day. To help take care of employees and mitigate the spread of infectious diseases, TVFCU is providing all full- and part-time employees with three days of paid emergency sick leave to use if needed during the COVID-19 pandemic.  Employees are encouraged to stay home and not come to work until they are free of fever, signs of a fever, and any other symptoms for at least 24 hours without the use of symptom reducing medication. In the event an employee or someone they are caring for at home tests positive for COVID-19, TVFCU will provide those employees with an additional allotment of 10 days of paid pandemic sick leave.

  • TVFCU Mortgage Originators will no longer be taking face-to-face meetings with members or potential applicants. As much as we love to be directly in contact with our community to help navigate this exciting life step, we find it in the best interest of all to conduct our communications by phone or email, given the current circumstance.

  • If you wish to get the Mortgage application process started, we encourage you to apply online via the Get Started on the Home Loans website. If you have any questions, please reach out to our Contact Us at 423-634-3667 | [email protected]

Online Tools, Video Banking & TVFCU App Banking

Members who need to, or prefer to, avoid public places during this time, may take advantage of the variety of alternative online banking and digital banking methods with TVFCU. There's no better time to brush up on your technology skills!

DRIVE-THRU TECHNOLOGY: Use tvfcuLIVE Studio ITMs in the drive-thrus to connect with a TVFCU personal teller located back at our downtown headquarters. Members may cash checks, deposit cash and checks, withdraw cash, make loan payments and transfer funds.

Hours of availability: Monday - Saturday 7 a.m. - 7 p.m.

GIVE US A CALL: Speak with us over the phone. Call the tvfcuLIVE Line at 423-634-3600 for transfers and basic account services.

Hours of availability: Monday - Saturday 7 a.m. - 7 p.m.

 
VIDEO BANKING: Download our tvfcuLIVE Stream video banking app on your smart device or on your desktop by activating the orange "Video Banking" flag on the right hand side of your screen at tvfcu.com. You'll be connected to a TVFCU personal consultant to open new accounts or make account changes from the comfort of your home.

Hours of availability:

  • Monday - Thursday 9 a.m. - 5 p.m.
  • Friday 9 a.m. - 6 p.m.
  • Saturday 9 a.m. - 1 p.m. 

DESKTOP tvfcuONLINE BANKING: With tvfcuONLINE, you can transfer funds, make loan payments, view account balances, pay bills and more.

tvfcuMOBILE APP: You can also download the tvfcuMOBILE app to check your balance, transfer funds and deposit checks.

ONLINE TOOLS: Alternatively, we have self-serve eServices.
 
Available to members with a checking account, mobile banking and mobile check deposit help members avoid in-branch trips. Secure mobile payments for Apple®, Google®, and Samsung® save valuable time at check out at most major retailers.
 
TVFCU's online banking and mobile app banking optios are free, secure and easy to use. Members can enjoy the advantage of a branch, yet never step foot into one.

Q & A

Q: What is TVFCU doing about sanitization of drive-thru ITM surfaces?

A: The health and safety of our members, employees, and the community is our top priority. Our branch staff is cleaning the ITMs hourly. We also encourage members to follow the recommendations of health care professionals and keep hand sanitizer in your car for use before and after touching surfaces.

Q: What is TVFCU doing to assist members experiencing financial distress?”

A: We are trying to take care of every member on an individual basis. Sometimes this means deferring their loan payment for up to 60 days or waiving certain fees.  But the key is for members experiencing financial distress to call us at 634-3600 and together we will determine the best course of action.

Q: How can we work together to reduce wait times in the drive-thru?

A: To Help Reduce Wait Times For Cash Withdrawals, Deposits, and Transfers: 

By working together, you can help our staff get everyone through the drive-thru and back on the road more quickly. If you have a TVFCU debit or ATM card and know your PIN, use your card for quick cash withdrawals, deposits and transfers. Please have your card out and ready to insert as soon as you pull up to the machine. By using your card for these simple transactions, you will be helping us reduce wait times for everyone. Thank you for your cooperation and understanding while we work to serve everyone! 

Q: As a small business owner, how can I work with TVFCU to make business deposits?

A: Our tvfcuLIVE staff is prepared to help you make business deposits through the ITMs in our drive-thrus, Monday-Saturday, 7 a.m. – 7 p.m. Business deposits are also accepted through our traditional drive-thru at the Downtown Branch, Monday-Thursday, 9 a.m. – 5 p.m. and Friday, 9 a.m. – 6 p.m. We also have night drop boxes that will be checked hourly for deposits during regular business hours at selected branches (listed below).   If you need change orders or other services for your business, please call us at 423-634-3600 to set up an appointment.

NIGHT DROP BOXES ARE AVAILABLE AT THESE BRANCHES:

Downtown                        Ringgold                           Athens                   

Kimball                             Eastgate                           N. Cleveland

Hixson                              Hamilton Place                 S. Cleveland

Soddy Daisy                     Highway 58                      Ooltewah 

Q: How are my funds protected at the credit union?

A: Federally insured credit unions offer a safe place for credit union members to save money. All deposits at federally insured credit unions 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.

Q: How can I avoid email scams attempting to get my financial information during the pandemic?

A: A healthy dose of skepticism can keep you out of financial trouble. This is especially true when reading your email. Scammers send links to fake web addresses in hopes that you’ll give them your personal information, but you can avoid this problem by being alert. Never give financial data, passwords, or account numbers to any website unless you initiated the session and are certain of their identity.    

Q: I am currently working from home. I got an unexpected pop-up warning that my computer has a virus. Should I click on it?

A: If you get an unexpected pop-up claiming that your computer has a virus or needs service, never click it! Unfortunately, scammers are working harder than ever to take advantage of consumers during the pandemic. This is likely part of a scam designed to get you to hand control of your computer to hackers remotely.

Educational Resources

FINANCIAL

  • IRS-

The IRS has also issued a warning about coronavirus-related scams tied to the economic impact payments. They've highlighted several tactics used by scammers, including: emphasizing the words “stimulus check” or “stimulus payment”; asking taxpayers to sign over their economic impact payment check to them; asking victims to verify personal or banking information via phone, email, text or social media to receive or speed up their payment.

https://www.irs.gov/coronavirus/economic-impact-payment-information-center

 

COMMUNITY

 

Small Business Resources

-Restaurant Recovery: How to manage risk, evolve your model, and emerge from a global pandemic safely and profitably (4 Week Course): Developed in collaboration with the Tennessee Small Business Development Center, PROOF Incubator has created a 4-week virtual course for owners and operators of restaurants and food service businesses to provide the tools and resources to adjust your business model in response to the global pandemic and your customer's changing needs and expectations. Learn how to think strategically and define the values that will guide you safely through this unique season for our industry and even find your opportunities for growth and innovation. This class includes two 1.5-hour weekly webinars and will be taught in cohorts as long as demand continues. The course is free through your local SBA office (TSBDC) and each participant will have the opportunity to receive one-on-one coaching, access to industry and subject-matter experts like attorneys and accountants, along with additional tools and resources to navigate the road forward. APPLY for upcoming courses.

-TVFCU has had an overwhelming response to the Paycheck Program (PPP) and we appreciate the patience and understanding of our business members.  Due to the high volume of loan applications we have already received, TVFCU is no longer accepting new requests for PPP assistance. Businesses that have already completed an application with us are in the queue for our Business Services Team to review and submit as available funds permit.

For other businesses seeking PPP loan assistance, there are two Fintech online lenders that were still accepting applications as of April 23.

·         www.Kabbage.com

·         www.Lendio.com

 

COVID-19 Spanish Speaking Resources

Health Resources

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Video Banking

Thank you for contacting tvfcuLIVE Stream.

Video Banking is currently closed, but please check back during our business hours to speak with a tvfcuLIVE Stream Personal Consultant.