Coronavirus COVID-19 Updates

As our environment and the news change rapidly, so does how we approach business and how we must serve our member-owners and the community. After analyzing services utilized in our relationship centers and drive-thrus, along with heavy considerations for the health and well-being of our member-owners and internal owner team members, Northern Credit Union has decided to restructure lobby and drive-thru hours.

At least one relationship center in each county will remain open with limited hours by appointment only, and drive-thru service will remain open at all locations. Business members can continue to make appointments at all relationship centers for their cash and coin needs.

As of Wednesday, April 1, 2020, the following hours will take effect for all of our relationship centers:

Adams, Factory and LeRay

  • Lobby closed
  • Drive-Thru hours
    7:30am – 6:00pm, Monday – Friday and 9:00am – 1:00pm on Saturday

Commerce

  • Lobby open by appointment only from 9:00am – 3:00pm, Monday – Friday and 9:00am – 1:00pm on Saturday
  • Drive-Thru hours
    7:30am – 6:00pm, Monday – Friday and 9:00am – 1:00pm on Saturday

Carthage

  • Lobby open by appointment only from 9:00am – 1:00pm, Monday, Wednesday and Friday
  • Drive-Thru hours
    9:00am – 6:00pm, Monday – Friday and 9:00am – 1:00pm on Saturday

Croghan

  • Lobby open by appointment only from 9:00am – 1:00pm , Monday, Wednesday and Friday and 9:00am – 1:00pm on Saturday
  • Drive-Thru hours
    7:30am – 6:00pm, Monday – Friday and 9:00am – 1:00pm on Saturday

Lowville

  • Lobby closed
  • Drive-Thru hours
    9:00am – 6:00pm, Monday – Friday and 9:00am – 1:00pm on Saturday

Gouverneur

  • Lobby open by appointment only from 9:00am – 1:00pm, Monday, Wednesday and Friday
  • Drive-Thru hours
    7:30am – 6:00pm, Monday – Friday and 9:00am – 1:00pm on Saturday

Massena

  • Lobby closed
  • No Drive-Thru service

All team members will continue to serve members in various ways including by phone and through Personal tellers. Everyone at Northern Credit Union has maintained employment and almost all of our 115 internal owners are working from home.

We’ve also rolled out Northern Credit Union Video Banking for member-owners who prefer to connect face-to-face remotely. Our secure video banking allows users to complete most services, including new account, loan or mortgage applications from a smartphone or desktop, similar to Facetime or Skype! The Northern CU Video Banking app is available in the Apple App Store and the Google Play store.

We also encourage member-owners to utilize Online and Mobile Banking to complete most banking needs, including bill pay, balance checks, money transfer, check deposits, and more from the comfort of home

If you prefer to call, please use the following direct lines:

  • Member Service Inquires – 315.782.0155
  • Consumer Lending Inquires and Applications – 315.779.3135
  • Residential Lending Inquires and Application – 315.777.8910
  • Business Lending Inquires and Application – 315.779.3186

Our No. 1 goal is to provide our member-owners reliable access to the services they count on during this time of uncertainty. As new developments emerge, we’ll share information with you about how we’ll continue to operate safely and effectively and provide additional resources. For more information, call 315.782.0155, visit mynorthern.com/covid19 or our social media, or contact us to make an appointment.

Friday, March 20, 2020:

As Coronavirus COVID-19 continues to develop worldwide, scammers are taking the opportunity to profit. Click here for more information and tips on how to identify COVID-19 related scams.

Wednesday, March 19, 2020:

Has COVID-19 impacted your employment? If your day-to-day finances have been disrupted, we’ve created a COVID-19 Financial Relief Program to help. The program includes loans, payment deferment options and financial coaching all customized to your specific needs.  Learn more here.

As Coronavirus COVID-19 continues to develop worldwide, scammers are taking the opportunity to profit. Click here for more information and tips on how to identify COVID-19 related scams.

If you prefer to stay home and connect with us digitally, we encourage you to take advantage of our Online and Mobile Banking technology. Additionally, we encourage usage of Mobile Deposit and Online and Mobile Bill Pay. You can check balances, transfer money, pay bills, deposit checks, and more from the comfort of home.

Our Personal Tellers provide the option to speak face-to-face with a North Country-based team member onscreen in a video conference to complete most common transactions, including deposits and withdrawals, check cashing with immediate access to payroll checks, share-to-share transfers, and loan payments. Additional Northern ATMs and surcharge fee-free ATMs are located throughout the North Country and beyond. All locations and ATMs are listed at www.mynorthern.com/locations.

To provide members and the community with additional convenience and resources, we suggest the following:

  • Members that have been negatively impacted by illness due to coronavirus and need additional assistance related to their account are encouraged to contact our Credit Solutions Team at 315.779.3120.
  • Members cashing payroll checks are encouraged to use Personal Tellers for immediate access to the full amount of the check. Members who use Mobile and ATM deposits will have immediate access to funds within one business day.
  • The cash withdrawal limit at all drive-thrus Personal Tellers is $10,000 per day.
  • If a member needs their debit card replaced, we ask that they call so we may get them a replacement. During this time, the replacement fee will be waived and members can expect to receive their new card within two business days.
  • For money orders, we encourage members to call for assistance to set up Bill Pay as an alternative as they will be able to send paper checks and ACH payments. Members can also contact their local post office, Kinney Drugs, Wal-Mart or local grocery store to inquire about this service. If needed, we will issue corporate checks payable to the payee and send the check directly to the member to disburse funds. We will waive the fee for corporate checks as well.
  • Members who have financial concerns with their payments or accounts, or need budgeting assistance are encouraged to contact us so we can work on a financial plan.
  • We rolled out a COVID-19 Financial Relief Program to help those negatively impacted during this time.
  • For families with children at home, we encourage them to take advantage of our free, web-based financial education program, Banzai. This resource is available for all age groups and can be accessed at northern.learnbanzai.com. For additional information about Banzai, do not hesitate to email marketing@mynorthern.com.

To ensure the health and safety of our member-owners and internal-owner employees, and follow CDC guidelines, we’ve identified employees who can work remotely or support our back-office operations. Internal-owner employees remaining in the relationship centers will be required to use gloves when handling cash. We ask member-owners who come into the relationship center consider doing the same when handling cash or using pin pads or signing pads. We’re also discontinuing our complimentary refreshment service. These measures will help maintain the health of our internal owner-employees and their families. We are also asking any internal owner-employee who is sick to stay home to keep everyone safe and are providing them with paid leave.

Your financial well-being is our top priority: 

  • The funds in your Northern savings and checking accounts are federally insured by NCUA up to $250,000 per depositor, per account type. To calculate coverage for your funds, use NCUA’s Share Insurance Estimator.
  • Storing cash at home comes with risks including a loss to fire, theft, or water damage, which would not be insured by homeowners or renters insurance.
  • Keeping large amounts of cash could prevent you from paying essential bills from home like your mortgage, car payment, or electricity bill.

It’s of the utmost importance to us that we continue to provide you reliable access to the services you count on every day during this time of uncertainty. As new developments emerge regarding the coronavirus, we’ll share information with you here about how we’ll continue to operate safely and effectively. As always, please call us at 315.782.0155, or contact us online, on Facebook or Instagram or through mobile or online message.

Despite the threat posed by COVID-19, Northern Credit Union remains optimistic and dedicated to your well-being. You are our members, part of the Northern family, and together we will get through this difficult situation. We all must do our part, take necessary precautions, but remain vigilant, calm and hopeful. Know that we are always here to help.