Our Commitment to You During Coronavirus (COVID-19)

If you have been financially impacted and would like to speak to a team member regarding special loan programs or other ways we might help, we encourage you to call us toll-free at 866 CU SoCal (866.287.6225), Monday through Friday 9 a.m.-6 p.m., and Saturday 9 a.m.-1 p.m.

Please be advised that we do not offer SBA loans. For more information on SBA loans, please visit CUSoCal.org/SBA.
 

Lean On Us With an Emergency Loan

Providing our Members with the products and services they need to maintain financial stability during difficult times is a top priority for us. If you've been affected by COVID-19 and need assistance, we have an Emergency Loan to help.

First and Second Mortgage Forbearance Requests

To request a mortgage or home equity forbearance, please see the following steps:
 
First Mortgages – Members may contact our first mortgage servicing company, Dovenmuehle, directly by phone or online.  1-800-701-4055 or www.yourmortgageonline.com
 
Second MortgagesPlease fill out this form or call 866.287.6225, extension 2220 for Home Equity and HELOC forbearance requests. You can also email Loan Servicing at LoanServicing@CUSoCal.org.

Beware Of Fraud Regarding Government Stimulus Checks

1. The government will not ask you to pay anything upfront to get this money. No fees. No charges. No nothing.

2. The government will not call to ask for your Social Security number, bank account, or credit card number. Anyone who does is a scammer.

3. Reports of money already available are not true. If anyone who tells you they can get you the money, they’re a scammer.

If you spot a scam, report it: ftc.gov/complaint
 

Avoid Coronavirus Scams

Hang up on robocalls: Don’t press any numbers. Scammers are using illegal robocalls to pitch everything from fake coronavirus treatments to work-at-home schemes. The recording might say that pressing a number will let you speak to a live operator or remove you from their call list, but it might just lead to more robocalls.
 
Ignore online offers: Especially for vaccinations and home test kits. Scammers are trying to get you to buy products that aren’t proven to treat or prevent the coronavirus. At this time, there also are no U.S. Food and Drug Administration authorized home test kits for the coronavirus. Visit the FDA to learn more.
 
Fact-check information: Scammers, and sometimes well-meaning people, share information that hasn’t been verified. Before you pass on any messages, contact trusted sources. Visit What the U.S. Government is Doing for links to federal, state and local government agencies.
 
Know who you’re buying from: Online sellers may claim to have in-demand products, like cleaning, household and health and medical supplies when they don’t.
 
Don’t respond to texts and emails about checks from the government. The details are still being worked out. Anyone who tells you they can get you the money now is a scammer.

Don’t click on links from sources you don’t know. They could download viruses onto your computer or device.

Watch out for emails claiming to be from the Centers for Disease Control and Prevention or experts saying they have information about the virus. Do your homework when it comes to donations, whether through charities or crowdfunding sites. Don’t let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don’t do it.

Loan Modification and Foreclosure Scams


 

Be Wary of Fraudulent Phone Calls and Text Messages

You can reduce the risk of falling victim to fraudulent phone calls and text messages by following these steps:
  • Be aware - legitimate businesses do not make unsolicited calls for personal, sensitive information. If you receive an unsolicited call asking this, it is probably a scam.
  • Don't give in to pressure. Many times the caller will pressure or try and scare you into giving your personal information. If so, simply hang up.
  • Don't answer phone calls from unknown numbers. Valid callers will leave a message.
  • Don't respond to unverified SMS text asking you to call your financial institution. Text messages from never contain hyperlinks or requests for confidential information.
  • Stay calm - These callers are masters at emotional string pulling. When in doubt, hang up. Please notify us if you suspect that someone has impersonated a Credit Union of Southern California (CU SoCal) representative.
  • Carefully review your statements regularly and contact us if you notice any unauthorized activity.

 

Branch Network Update

We have taken additional measures in our branches to minimize exposure and prevent unnecessary risk.

Temporary New Branch Hours Effective Monday, March 23:
  • Branch hours have temporarily changed to Monday-Friday, 9 a.m. to 5 p.m.
  •  In addition, continue to limit the number of Members in branches at any one time. This controlled access model allows us to manage social distancing, while still giving you access to the branch.

Temporary Branch Closures:
  • The Alhambra and Laguna Niguel branches are temporarily closed. These two branches are located in Preferred Partner buildings which have always had limited access and are in locations where employees are now working from home.
  • The Orange and Pico Rivera branches are temporarily closed. Due to the size and configuration inhibiting us to effectively observe the social distancing requirements, as well as a significant decrease in transactions at these locations, we will temporarily close these sites and reassign our team members to busier branches to better serve you.
Permanent Branch Closure―Last Day of Service Thursday, April 2:
  • The La Habra―Idaho banch will permanently close.


Search branch & ATM locations

Effective Monday, April 13, Credit Union of Southern California (CU SO Cal) will temporarily suspend shared branch services. However, the shared branch system will still be accessible.

Shared branch visitors to the CU SoCal branch network have increased due to other credit unions stopping their Shared Branch participation. This increased branch traffic is making it more difficult to uphold social distancing and regulating the number of people inside the branch at a given time.

Shared branch transactions for existing CU SoCal Members will continue. There will be no changes for our Members who use our branch to conduct shared-branch transactions.
 

Member Communication

Did you miss the last email update we sent out? Click on any of the links below to view PDFs of recent email communications.

March 28— Congress Passes $2 Trillion Stimulus Package
March 25— Temporary Branch Closures 
March 24—  Fee Suspension
March 18—  COVID-19 Update 2
March 13—  COVID-19 Update

Online Access to Your Accounts

For your personal well-being and safety, we strongly encourage you to use one of CU SoCal’s digital tools for self-service banking and 24/7 access during this time of heightened health concerns. You can access your accounts online or by using CU SoCal’s mobile app at your convenience. With these tools, you can make payments, view transactions, check balances, find an ATM, deposit checks, and more.
  • If you haven’t enrolled in online access, it only takes a few minutes. You may view our step-by-step guide here for detailed instructions.
  • You may also download CU SoCal’s free mobile banking app for your Apple® or Android™ device at your favorite app store.

 
Please call us toll-free at 866 CU SoCal (866.287.6225), Monday through Friday: 9 a.m.-6 p.m. or Saturday: 9 a.m.-1 p.m., if you need assistance. CU SoCal is here for our Members to help with difficulties that they may experience in their lives as well as the Coronavirus (COVID-19).

As circumstances continue to develop, our top priority is acting in the best interests of our Members, team, and the communities we serve. Please bookmark this web page and visit it for updates. Thank you and stay safe!
 

Stimulus Check FAQs

Please be advised: We want you to have access to 100% of your stimulus payment. Normally, funds deposited electronically into an overdrawn account are automatically used to cover negative balances. However, if your account is overdrawn and you do not want your stimulus money to cover the negative balance, please call us toll-free at 866 CU SoCal (866.287.6225), Monday through Friday: 9 a.m.-6 p.m. or Saturday: 9 a.m.-1 p.m.


How will I know if I’ll get a stimulus check?

The government has set income limits on who can receive a check, whether it’s an individual or couple. Here is the criteria:
  • $99,000 for single filers
  • $198,000 for married filers
  • $136,500 for heads of household (those who are single, widowed, or divorced with dependents)
  • You were not claimed as a dependent on someone else’s taxes

Where can I check the status of my stimulus payment?

If you are eligible for a stimulus payment but did not yet receive it by direct deposit, you will most likely get your payment in the weeks ahead as a physical check. Visit the IRS website to see the latest status on your payment.
 

How long do I have to wait for my stimulus check?

CU SoCal will make your money sent by direct deposit available as soon as possible. Please be advised that we have no way of tracking your payment until it is deposited.
 

My account is overdrawn. How will my stimulus payment be used?

If your account is negative when you receive your stimulus payment, please let us know how you would like to use your funds. We are happy to work with you to ensure your payment is disbursed as you intended.


Can I use the CU SoCal Mobile App to deposit my stimulus check with my phone?

Absolutely! It’s fast and easy. If you don’t have the CU SoCal Mobile App, go to your favorite source for apps online (Google or Apple both have it) and download our app. You can use Mobile Check Deposit in the CU SoCal Mobile App to deposit the stimulus check by following the steps below.
 
How to deposit a check with your phone on the CU SoCal Mobile App
  1. Download our CU SoCal Mobile App for your Apple or Android device.
  2. Log in to your CU SoCal account and select “Deposit Checks.” Choose which account and enter the check amount you will deposit.
  3. Snap a picture of the front and back of your endorsed check with your Apple1 or Android device.
 
1. Certain devices, including Apple iPad 2 and other older devices, lack the quality to provide a clear check image required by the service. You may need to upgrade your device in order to use this service.
 

How does the government know if I am eligible for a stimulus check?

Because income can be determined from your tax return, the IRS is using your last filed taxes to determine if you are eligible for a stimulus payment. If you haven’t yet filed your 2019 taxes, the IRS will use your 2018 tax return to determine your stimulus payment.
 

Do I need to tell the government where to send my stimulus check?

No. The government is using banking information from your tax refund to determine where to send stimulus payments by direct deposit. The IRS will use the information on your last tax form to determine income eligibility and where to send your payment. If your 2019 tax refund was deposited electronically by the IRS into you CU SoCal Checking or Savings Account, your stimulus payment will go into the same account by direct deposit. If you normally receive your tax refund by paper check, you will also receive a paper check for your stimulus payment.
 

How will the IRS know where to send my stimulus payment?

If you received a 2019 tax refund from the IRS via direct deposit into your CU SoCal Checking or Savings Account, the stimulus payment will be deposited into the same account. If you don’t get your tax refunds electronically, then the IRS will mail your check to the physical address listed on your tax return.


How can I get my payment electronically instead of through the mail?

If you have received past tax refunds by paper check rather than electronic direct deposit, your stimulus payment will also be sent as a paper check. However, the Get My Payment website  from the IRS allows you to enter your banking information so that your stimulus payment can be sent by direct deposit, potentially avoiding a longer wait for a paper check. The Get My Payment website also allows you to track the status of your payment. To complete this update, you will need CU SoCal’s routing number (322283796) and your account number, which can be found at the bottom of check to the right of the routing number.


When can I expect my stimulus check?

The government started sending stimulus payments by direct deposit beginning the week of April 13. In early May, paper checks will start to go out. However, it will take up to five months for all physical checks to be mailed out.


Will taxes be taken out of the stimulus payment?

No, the stimulus payment is not taxed.


I don’t make enough money to file taxes and haven’t for years. I am also on Social Security. Am I eligible for a stimulus check?

Yes. People who are not required to file a tax return, including Social Security recipients, are eligible to receive a stimulus payment, though not if someone else claims you as a dependent on their taxes. Individuals with disabilities and low income households are also eligible. To learn if you have a filing requirement related to stimulus payments, please see the IRS tool under the “Do I Need to File a Tax Return?”.


Are stimulus payments going to college students?

College students are only eligible if they are not being claimed as a dependent on a parent’s tax return and do not surpass income requirements to receive a stimulus check.
 

What does it mean if someone claims they can get my stimulus payment faster for me?

It’s a scam. The government is reporting widespread fraud attempts regarding stimulus payments. Never disclosure sensitive, personal information to anyone over the phone, by email or text or postal mail. That includes your date of birth, account numbers, Social Security number, PIN numbers or any other such information. For more information, visit the IRS’s Coronavirus scams page.


What if my tax preparer sent me my tax refund instead of the IRS? How does that affect how I receive my stimulus check?

If you have never received an electronic tax refund directly from the IRS, you will most likely receive a paper check, which are going out in early May and may take as long as five months to receive. To check the status of your stimulus payment, visit the Economic Impact Payment Information Center of the IRS website by clicking here: https://www.irs.gov/coronavirus/economic-impact-payment-information-center


If I have a tax lien or owe child support, could my stimulus check be garnished?

Yes. If you owe child support or back taxes and have a lien, you could see a garnishment on your stimulus payment.


Can I set up an alert on my account so I know when my stimulus check is deposited?

Yes! Please be advised this function is only available in CU SoCal’s Online Banking channel, but not the CU SoCal Mobile App. Please see the steps below to set up an alert.

 Step 1: Go to CUSoCal.org and sign into your Online Banking (not available through the Mobile App)
Step 2: Click on Alerts on the left of the grey Online Banking dashboard
Step 3: Click Add Alert from the sub menu below the primary dashboard options
Step 4:  Select Transaction and click the Next button
Step 5: Name your alert, we suggest IRS Deposit
Step 6: In the Criteria box type the words: IRS TREAS
Step 7: Select the All Day button under Deliver options
Step 8: Select how you would like to be notified (by email and or text)
Step 9: click Save
 
Please note that alerts are not immediate and can take up to 30 minutes to arrive.  

 

Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.

 

562.698.8326 | 866 CU SoCal Se Habla Español

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