COVID-19 Updates - Mutual Savings

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At Mutual Savings Credit Union we understand your concern surrounding the Coronavirus (COVID-19). We are committed to helping our members during this period of uncertainty.

Coronavirus Update: 5-15-2020

We have some happy news to share. Mutual Savings Credit Union will open all branch lobbies on Monday, May 18, 2020. We look forward to seeing and welcoming you back to the friendly faces you’ve known for so long. The COVID-19 pandemic has had an unprecedented impact both financially and emotionally on everyone. We are aware of the concern many people have venturing out to those businesses that are re-opening. We are taking every precaution to keep our members and employees safe. We will be wiping down the transaction areas between each member visit as well as ensuring our branches are cleaned properly each night.

Assisting our Vulnerable Members First – 8:30 am – 9:30 am lobby hours.

For a limited time our lobbies will be dedicated to those vulnerable members of the population from 8:30 am -9:30 am. Per the State of Alabama Amended Safe at Home Order, dated May 11, 2020; vulnerable persons means individuals 65 years and older or individuals with serious underlying health conditions, including high blood pressure, chronic lung disease, diabetes, obesity, asthma, and those whose immune system is compromised such as a chemotherapy for cancer and other conditions requiring such therapy. Please help us provide a safe environment for these members.

While our lobbies are open, and in respect of other members, we recommend that you follow the state ordinance and the social distancing guidelines.

Maintain 6 feet of separation between you and others unless in the same household.
We recommend that only individuals conducting transactions enter the lobby area unless you are providing assistance to another individual or they are a dependent.
If you are sick or are feeling unwell, please stay home.
If you are wearing a mask or face protection, we may ask you to briefly lower your mask for identification purposes.

You may notice a few additions to our lobbies.

We’re doing our part in the lobbies where we serve you. The following changes have been made to provide a safe, clean environment for you to conduct your business:

Sneeze guards for tellers & members;
Desk dividers for employees & members;
Floor stickers where members must stand during the short wait for a teller;
Reduced seating capacity with more room between chairs;
Hand sanitizer in lobby areas (when available by manufacturer);
Lobby and door notices encouraging the social distance and health safety guidelines.

Optimize your account access with electronic services and appointments.

While we look forward to seeing you, we still strongly recommend that you access your account via home, mobile and telephone banking services. With Mobile Deposit you can use a smart phone to deposit a check into your account.* At available locations, our drive-thrus remain open during regular business hours. We continue to make appointments for loan closings and for additional documents that require a signature. We are here to serve you in many ways:

Home banking
Mobile banking
Telephone banking
Mobile Deposit
Call Center Support
Online Loan Applications
Drive-thru at available locations
ATM access for withdrawals
Appointments for loan closings
Lobby access

*Mobile deposit not available to all members. National Credit Union Administration Member

Coronavirus Update: 5-1-2020

We continue to maintain social distancing and will be keeping our lobbies closed. The target date to return to normal business operations is May 15^th, which will be greatly impacted by the decisions of Gov. Ivey.

As we have during the last 6 weeks, we are making appointments to close loans and to meet with members whose documents require a signature. Prior to making an appointment, you will be asked a few health screening questions. If we are unable to make an appointment for you in our lobby, we will make every attempt to find a solution. Our drive-thrus are all open with exception of our Riverchase branch. As you know, we transitioned the Riverchase branch to support the increased call demand in the call center.

We strongly encourage the use of our online platforms such as home, mobile and telephone banking programs. Mobile Deposits and Bill Pay are also safe options for deposits and paying your monthly bills. We’ve seen more and more members use Mobile Deposit to deposit their checks. All of these services are safe, convenient and designed for you.

We continue to find ways to serve you during these unprecedented times. Thank you for being a member of Mutual Savings Credit Union.

Internal Revenue Service Special Alert

The IRS issued a special alter for Supplemental Security Income and Department of Veterans Affairs beneficiaries to act by May 5 if they didn’t file a tax return in 2018 and 2019 and have dependents. This is so you can quickly receive the full amount of the economic impact payment. Click here for more information.

Coronavirus Update: 4-17-2020

We understand that there are many questions regarding the CARES Stimulus and the checks the government is mailing out. We want to help as much as possible, but always strive to provide the most accurate information. For your convenience, please visit https://www.irs.gov/coronavirus/get-my-payment, to find answers to your questions regarding the payment from the CARES Stimulus.

We hope this will be a reference for you. Have a wonderful day. Stay safe.

Coronavirus Update: 4-02-2020

As we enter a second period of social distancing, Mutual Savings wanted to take a moment to update you on our continued commitment to service. In the past, we sent monthly emails to members to update you on the events at our credit union. However, during the COVID-19 outbreak, it is our intent to increase the number of emails sent to you so that we can provide information, updates and hopefully answer any questions that might arise. If you are not on our email list we encourage you to email us at: marketing@mutualsavings.org and your name will be added to our list.

The health and safety of our members, employees and community continues to be a top priority. We closed our lobby access to help decrease potential spreading of the virus. We are making appointments to close loans and to meet with members whose documents require a signature. Prior to making an appointment, you will be asked a few health screening questions. If we are unable to make an appointment for you in our lobby, we will make every attempt to find a solution. Your health, the health of our employees who serve you and that of their families is a priority. Please be patient with us as we go through this epic time in our country – indeed, throughout the world.

Our drive-thrus are all open with exception of our Riverchase branch. We transitioned the Riverchase branch to support the increased call demand in the call center. All branches are making appointments when necessary. Mutual members are also enjoying the convenience of instant issue debit and credit cards. Access your account with our convenient home, mobile and telephone banking programs. Mobile banking and bill pay are also safe options for deposits and paying your monthly bills.

We wish you safety and wellness during this pandemic we are enduring. As always thank you for being a member of Mutual Savings Credit Union. We appreciate your business.

Coronavirus Update: 3-20-2020

Thank you for your patience and understanding due to our temporary changes in branch operations. Members may encounter increased fraud with their account, especially with debit cards. We encourage you to download the MyCardRules App and enroll. You’ll be able to see all your transactions, set spending limits and “turn off” your card. Click here to learn more about MyCardRules. Click here to download from the GooglePlay store, and here to download from the app store.

Coronavirus Update: 3-19-2020

We are modifying branch access effective Friday, March 20, 2020. Members may still perform their transactions through our drive-thru except at the Riverchase/Corporate branch, which has been transitioned into a call center to handle increased call volume due to our change in branch operations.

If you have a loan, new account documents or anything else that needs signing, or access to your safety deposit box each branch will set up an appointment time for you to arrive. Call our call center and they will transfer you to the branch location of your choice to set up your appointment.

Please see below for a list of all of your options in accessing your account. We are unsure as to the duration of this change in operations but will continue to keep you informed. Please call 800-950-6728 to speak with a call center representative.

Coronavirus Update: 3-17-2020

Serving our members and community is at the heart of everything we do. With growing concerns regarding the COVID-19 virus, we have made a change to the Riverchase branch operations. Effective Tuesday, March 17, 2020 the lobby and branch will be closed to all public traffic. We will announce when we will operate and function again normally. For cash withdrawals you may use our ATM. If you prefer to make an in-branch transaction our Pelham branch is still open to the public. They are located at 3596 Pelham Parkway.

We will communicate any changes to our branch operations via our website.

Home Banking Mobile Banking Telephone Banking

At MSCU you have many online and digital tools and resources available to you. You have 24/7 account access via our home banking, mobile banking and telephone banking by calling 800-910-4804. You can get account updates, transfer funds, pay loans and obtain a list of pending transactions. For cash withdrawals you can access any convenient ATM.*

Convenient and Free Bill Pay Service

You can pay bills via our free bill pay service. It’s convenient and easy to set up. To begin click here: https://homebanking.mutualsavings.org/User/AccessSignin/Start

Mobile Deposit Services

If you have not enrolled in these services we encourage you to do so. Members who need to deposit checks may do so using mobile deposit through our mobile app. It’s an easy and convenient way to deposit checks remotely. For more information click here https://www.mutualsavings.org/services/mobiledeposit/

Call Center Services

If you need to speak to a call center representative you may call our call center at 800-950-6728 during regular business hours and email us after hours at memberservice@mutualsavings.org. We will make every attempt to respond to your email promptly.

CO-OP Shared Branching

Enjoy the convenience of the credit union CO-OP Shared Branching. If you can’t get to a MSCU branch, you can perform most of the same transactions such as deposits, withdrawals, loan payments and transfers from any one of the partners in the CO-OP Shared Branching network. To find closest to you click here: https://www.mutualsavings.org/locations/co-op-shared-branch/

Loans for Impacted Income

If your income has been impacted by the coronavirus and have a current loan with us please contact us. If you need a loan to help bridge you during these uncertain times, you may call our call center and they can share our loan options available, or you may apply online. Our VISA credit card may also be an excellent resource for you. Click here for our online loan application: https://www.mutualsavings.org/borrow/personal-loan/

The health and well-being of our members and employees is very important to us. We have plans in place to continue to provide the services you need. Thank you for being a member of Mutual Savings Credit Union.

*If you use an ATM not owned by Mutual Savings Credit Union, fees may apply from the ATM owner.