Important Things to Know About Coronavirus (COVID-19)

Boulder Dam Credit Union is committed to always maintaining a high level of preparedness to meet the needs of our members under a range of scenarios, including those relevant to the recent spread of coronavirus.

 

For the health and safety of our members and staff, the credit union is offering limited services at this time. Our branch lobby is currently OPEN

The following services are available 24x7:

  • Online & Mobile Banking
  • Debit & Credit Card Transaction Processing
  • Cash Deposits & Withdrawals by ATM
  • Mail-in & Night Drop Payment and Deposit Services
  • Electronic Withdrawals & Deposits through ACH
  • Check Processing
  • Online Bill Pay
  • Person to Person Payments with Popmoney
  • Check Ordering

The following services are available during normal business hours:

  • Member Service Call Center
  • Cash Deposits & Cash Withdrawals (No Cash Advances)
  • Cash & Check Deposits
  • Coin Machine
  • Cashier's Checks & Money Orders

The following services are available during normal business hours by appointment only (call 702-293-7777 to schedule):

  • Credit & Debit Card Reissue
  • Credit & Debit Card Transactions Disputes/Fraud
  • New Savings & Checking Account Applications
  • New Loan Applications
  • IRA Deposits & Withdrawals
  • Wire Services
  • Members Financial Services
  • New Business Accounts
  • Safe Deposit Box
  • Gift Cards

The following services are not available at this time:

  • Notary Services
  • Credit Card Cash Advances
  • Medallion/Signature Guarantee
  • In-Person Online Banking Assistance

Call center agents are available during normal business hours for assistance with Online & Mobile Banking, debit and credit card questions or issues, issues with ATMs or other questions or concerns you may have.

Here are some helpful tips for managing your finances during a pandemic:

Manage Your Finances from Home

Utilize our online and mobile banking whenever possible, and limit branch visits unless necessary. Our online and mobile systems offer convenient and secure ways to view account balances, transfer funds, deposit checks, pay bills and transfer money to friends and family. You can have confidence that you can bank virtually anywhere, anytime with Online & Mobile Banking.

Use ATMs

Members needing to get cash can visit our branch and drive-up ATMs as well as use the over 30,000 surcharge-free Co-Op ATMs nationwide. You can find an ATM location by using the Locations link in the Mobile App or by visiting the ATM location page on our website.

Help Stop the Spread of the Virus

We are monitoring the guidance of the World Health Organization (WHO) and the Centers for Disease Control (CDC) regarding the spread of the virus. To maintain a safe workplace, and protect our members, here are the steps our staff is taking, and that you can take, to reduce the spread of the disease.

  • Stay home when you are sick and contact your health care specialist if symptoms worsen.
  • Avoid touching your eyes, nose, and mouth, especially in public areas.
  • Wash your hands frequently with warm, soapy water for at least 20 seconds.
  • Cover your mouth with tissues whenever you sneeze or cough, and discard used tissues in the trash.
  • Avoid people who are sick with respiratory symptoms.
  • Clean frequently touched surfaces often.

Economic Impacts

As our community and the world struggles with the far-reaching ramifications of an event like this, we want you to know that we are here for our members. We understand that there may be instances where members find themselves facing financial difficulties. Boulder Dam Credit Union is here to help, and we encourage members who may be impacted or need assistance to reach out to discuss these issues with us so we can find a solution for you.

Coronavirus Aid, Relief and Economic Security Act (CARES)

In response to COVID-19, the IRS has extended the federal tax filing deadline to July 15, 2020. In addition, the Coronavirus Aid, Relief and Economic Security Act (CARES) was signed into law. The 2020 coronavirus stimulus package will deliver relief through a range of measures, including an advanced tax rebate to taxpayers in the form of stimulus check(s)/funds or Economic Impact Payments (EIPs).

Stimulus check(s)/funds will be based on information from your most recent tax filings. If your last tax refund came to your Boulder Dam Credit Union account your stimulus check(s)/funds will come here as well. This is a good time to make sure that the IRS has your most current information. You can do that by filing your 2019 tax return now.

Stimulus checks will be deposited over the next few weeks. Please be patient and refrain from calling the Credit Union to see if your funds have arrived, as call volumes are already high due to our continuing efforts to provide limited services to adhere to social distancing guidelines. If you just cannot wait to see if you received your stimulus check(s)/funds please use online or mobile banking to check your account. That way you can check as often as you want.  Electronic deposits will begin on April 15.  If the IRA does not have information to send you and electronic payment they will mail you a check.  Checks will be mailed in the coming weeks.

For additional information you can check the IRS Economic Impact Payment website.

Loan Payment Waivers & Loan Payment Assistance

In his address on March 29, 2020, Governor Sisolak made several public references to the waiver of loan payments for those borrowers whose jobs have been impacted by the pandemic and related business closures. He also made mention of the ability of financial institutions, and specifically credit unions, to work with their members on these loan payment deferrals.

Boulder Dam Credit Union, as with other financial institutions, stands ready to assist those members in need of payment assistance but this is only provided to those members/customers who contact their lending institution to make arrangements. These payment deferrals do not happen automatically and it is paramount that borrowers contact their financial institution for the necessary arrangements.

In addition to payment deferrals, Boulder Dam Credit Union is taking the unusual step of paying an 80% interest refund of all interest paid in the first quarter of this year on all loans with the exception of Visa cards. This refund will be posted to all members’ accounts effective April 1st and we hope this provides substantial relief for those impacted during this difficult time.

Small Business Relief Programs & the Paycheck Protection Program (PPP)

We know that many small businesses in our community are struggling at this time. Unfortunately, our hands are tied here at the Credit Union. Only certified SBA lenders or lenders with specific approval can participate in the Paycheck Protection Program or the other SBA Disaster Relief programs. At this time Boulder Dam Credit Union is not a qualified SBA lender or approved lender. We are, however, researching the necessary qualifications and process so that we can assist our small business community in the future. The best direction we can give right now is to visit SBA.gov and to search for a local lender, hopefully a credit union, that can help you today.

Beware of Scams

Look out for suspicious email and text messages, medical supply scams, and fraudulent donation sites that may impersonate a company, charity, or government agency. The intent is to convince you to share sensitive information such as usernames and passwords, make purchases or donations on spoof websites, or download malware onto your device by opening a malicious attachment. Boulder Dam Credit Union will never ask you for your personal information or log in credentials in an email or text message. If you receive a suspicious email or text message, don't respond, click on any links, or open attachments. Verify the authenticity of any website before making a purchase or donation.

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