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TVFCU Most Recent Updates and Statements Regarding COVID-19:

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

We have taken the necessary health advisory precautions and we are pleased to provide lobby services at the following locations*:

*This list is subject to change without any other notice, so please check for updates before driving to a branch.




TVFCU update thread on COVID-19 pandemic


  • 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 
  • 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 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 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 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.

Economic Payment Q & A

In response to the COVID-19 pandemic and the economic shutdown, the Coronavirus Aid Relief and Economic Security (CARES) Act was created to provide fast and direct economic assistance for American workers and families, small businesses, and preserve jobs for American industries.

It is one of the largest stimulus packages issued in the nation’s history. We want to help provide answers to some of your questions about the Economic Impact Payments, also referred to by some as stimulus payments.

Unfortunately, the Credit Union does not have the information about the status of stimulus payments. For information on the status of payment, visit for their "Get My Payment" tool.

Who will receive an Economic Impact Payment/stimulus check?

According to the IRS, you may be eligible to receive a Payment if you:

  • Are a U.S. citizen or U.S. resident alien;
  • Cannot be claimed as a dependent on someone else’s return;
  • Have a social security number (SSN) that is valid for employment (valid SSN); and
    • Exception: If either spouse is a member of the U.S. Armed Forces at any time during the taxable year, then only one spouse needs to have a valid SSN
  • Have adjusted gross income below an amount based on your filing status and the number of your qualifying children.

Additional information about eligibility for the Payment can be found in the Get My Payment Frequently Asked Questions.

How much will my stimulus check be worth?

The IRS reports eligible individuals will receive $1,200. Two eligible individuals filing a joint return will receive $2,400. You will receive an additional $500 Payment for each qualifying child you claimed on your tax return being used to calculate your Payment who meets the following conditions:

  • The child is your son, daughter, stepchild, eligible foster child, brother, sister, stepbrother, stepsister, half-brother, half-sister, or a descendant of any of them (for example, your grandchild, niece, or nephew).
  • The child is claimed as a dependent on your tax return.
  • The child was under age 17 at the end of the taxable year.
  • The child was a U.S. citizen, U.S. national, or U.S. resident alien.
  • The child has a valid SSN or an Adoption Taxpayer Identification Number (ATIN)

Check amounts are determined by income level and other factors. Only the Treasury Department knows your amount for certain, but some tools can give you an educated guess. If you are still curious, use this calculator by Kiplinger to estimate your stimulus payment.

When will I receive my stimulus check?

The Treasury Department has said that "a large majority of eligible Americans" will receive the payments by April 24.

The first stimulus payments will go to those who have already filed their 2018 or 2019 tax returns and authorized the IRS to make a direct deposit for a refund. Within that group, the agency is starting with people with the lowest incomes. Social Security recipients will also automatically receive their payments, even if they haven't filed a return.

If you filed your 2018 or 2019 tax return and it has been processed, you can check Get My Payment for the status of your economic impact payment. This site should give your payment status, payment type and whether the IRS needs more information from you, like bank account information.

How will I receive my stimulus check?

If you received direct deposit of your refund based on your 2019 tax return (or 2018 tax return if you haven’t filed your 2019 tax return), the IRS has sent your Payment to the bank account provided on the most recent tax return. If you filed a Form 8888, Allocation of Refund, with your tax return to split your refund into multiple accounts, your Payment was deposited to the first bank account listed. You cannot change your account information.

If you filed your 2019 or 2018 tax return but did not receive your refund by direct deposit, your Payment will be mailed to the address we have on file even if you also receive Social Security or Railroad Retirement benefits by direct deposit. This is generally the address on your most recent tax return or as updated through the United States Postal Service (USPS).

If you did not receive your refund by direct deposit based on your 2019 tax return (or 2018 tax return if you haven’t filed your 2019 tax return), you have the opportunity to provide bank account information through the IRS Get My Payment tool before your Payment is processed. Direct deposit is the fastest way to receive your Payment.

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

While we have temporarily suspended lobby service, here are ways to easily deposit your check.

Use tvfcuMOBILE — Simple click on “Deposit” to make a mobile deposit.

Use tvfcuITM — Simply visit a TVFCU drive-thru or any of our in-store 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.

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


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

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.


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

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


  • 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.




Small Business Resources

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.




COVID-19 Spanish Speaking Resources

Health Resources



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.