At Scenic Community Credit Union, the health and wellbeing of our members and staff is our top priority as we monitor the situation surrounding the novel coronavirus, or COVID-19. At every SCCU branch, we are adhering to best practices with regards to cleanliness. Members will be notified should anything change.
If you have not received your 2021 stimulus money yet, a second round of direct deposits is scheduled for next Wednesday, March 24, 2021. We expect those direct deposits to be in your accounts by the morning of March 24, but please know that there are many factors beyond our control that may impact the timing. If you would like to be alerted whenever your deposit goes through, please follow the instructions for setting up an alert below, or you can view your deposit status at https://www.irs.gov/coronavirus/get-my-payment.
Also, please be aware that the volume of deposits going in may affect Online Banking and app functionality. If you are unable to login early next week, please wait a few hours and then try again. We will be monitoring for any slowdowns to Online Banking and the app, and will be working to prevent and fix any issues that arise as soon as possible.
Finally, please note that this message pertains to those who will receive their stimulus money via direct deposit. For those who are receiving a check, you can view the status of your stimulus money at https://www.irs.gov/coronavirus/get-my-payment.
HOW TO SET UP A DEPOSIT ALERT
On your Online Banking or app dashboard, click on the account into which your money will be deposited.
Click Alert Preferences.
Under the Transaction alerts tab, click Add alert.
Fill out the form fields and choose how you want to be notified. When a transaction goes through matching the criteria you specify, we'll let you know automatically.
Small Business Owners
The PPP Forgiveness process begins Monday, August 10, 2020. Business owners have 10 months from the time they received their funds to apply for forgiveness, and SCCU recommends waiting to apply. Even though the forgiveness applications can be submitted beginning Monday, new guidance is coming all the time. Congress is contemplating several measures that could benefit business owners, including automatic forgiveness and no paperwork for loans under $150,000.
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Click below to visit the IRS website and see if you are getting a stimulus check, confirm your payment information, and more.
SCCU lobbies have reopened to serve you. As mandated by the Hamilton County Health Department, masks are REQUIRED in all SCCU branches. If you don't wish to wear a mask, we ask that you use our drive thru lanes or remote access options. Disposable masks will be available. Since reopening, we have also been following the Tennessee Pledge guidelines for businesses in order to keep our members and staff as safe as possible.
A Heartfelt Thank You to Our Members
Members, there have been a lot of changes in the past few months due to the pandemic. In order to stay safe, you have been relying on drive thru lanes, appointments, and technology to manage your money. We know that has been frustrating and challenging for many of you, and we want to say thank you for the patience you have shown in adjusting to this temporary way of doing business.
What You'll See in Our Branches
As stated above, we are taking steps to make sure you will be safe should you need to come into a branch, although we still strongly recommend using drive thru lanes and remote options when possible. We have implemented the Tennessee Pledge guidelines in all lobbies and have hand sanitizer and masks available. Note that masks are required in all branches as mandated by the Hamilton County Health Department. You will also notice plastic “sneeze guards” set up in our offices and teller lines to protect both you and our staff.
Again, thank you for your patience and grace in the midst of change. We are proud to be part of this resilient community.
Download and fill out the form below. Be sure and read the Skip Pay agreement and terms carefully before you submit the form.
Submit your form via one of the methods listed.
Please Note: Submitting a Skip Pay form does not guarantee approval to skip a payment. You will be notified and your fees returned in the event you are not approved for Skip Pay. If loan is joint BOTH owners must sign the Skip Pay Application.
Skipping a loan payment really means you defer to make that payment until the end of the loan -- this means extending the life of your loan. And while a skipped payment frees up cash, don't forget that interest will continue to accrue on your loan balance. If you are unsure about skipping a payment, download and read the form above, orask a loan officerfor more details.
*Restrictions apply. Not all loans are eligible for Skip Pay. Submitting a Skip Pay form does not guarantee approval. Download above Skip Pay form or ask a loan officer for more details.
Resources for Small Business Owners
The PPP Forgiveness process begins Monday, August 10. Business owners have 10 months from the time they received their funds to apply for forgiveness, and SCCU recommends waiting to apply. Even though the forgiveness applications can beginbe submitted Monday, new guidance is coming all the time. Congress is contemplating several measures that could benefit business owners, including automatic forgiveness and no paperwork for loans under $150,000.
The City of Chattanooga
Chattanooga has set up a resource site for small business owners on matters related to COVID-19.
As the COVID-19 situation in the US continues to develop, be aware that scammers are taking advantage of the virus by sending emails, texts, and links that appear to be from the Centers for Disease Control and Prevention (CDC) or the World Health Organization (WHO).
What to Watch For
Emails appearing to be from the CDC or WHO that contain attachments or links. Do NOT open attachments or click links from unknown sources.
Texts or phone calls appearing to be from the CDC or WHO. Those organizations will not send you links or ask you for your personal or financial information.
Donation links. Links for monetary donations will not be emailed to you from the CDC or WHO. Do not click links from unknown sources.
Verify email addresses. If it looks suspicious, delete.
Check the link before you click. Be especially suspicious of any emails or texts you receive that include links to donation sites as this is a common method of collecting your account and personal information.
Be careful when providing personal information. The WHO or CDC will not ask you for your personal info.
Don’t rush. Scammers may try to make you feel rushed, but take your time.
If you gave out sensitive information, don’t panic. Immediately change any credentials you may have given out. If you give out debit or credit card information to someone suspicious, give us a call at (423) 875-6955.
If you see a scam, report it. Report a scam to the WHO or the BBB.
Your Funds are Federally Insured by NCUA
Don't worry - the funds you keep at Scenic Community Credit Union are safe and secure. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government. Watch the video below to learn more about the NCUA: