On 11/16 at 10PM our website, online and mobile banking will all be going down as we migrate to the all-new Alltru brand. You may unable to access your account information or the website from 10PM 11/16 through 2AM 11/17.

Coronavirus (COVID-19) Updates

Last updated 11/05/2020


On Monday, June 15th, we are reopening our lobbies. As you know, we restricted access to those lobbies on March 19th to help our communities slow the spread of COVID-19.

Together we have made progress, but we know we are not out of the woods yet. We will continue to put the health and well-being of our co-workers, our members, and the community ahead of all other interests as we make decisions.

Here is what you can expect:

  • All members, visitors, and branch employees will be required to wear a facial mask or face covering when entering the branch. If you don’t have a facial covering, one will be provided for you.
  • Social distancing will be observed and a distance of 6’ will be maintained at all times.
  • Member capacity may be limited to help with social distancing. This may mean longer wait times and members may be asked to wait outside of the building.
  • There will be plexi-glass cough/sneeze germ shields at the teller stations and member service desks.
  • Routine cleaning and sanitizing will take place at regular intervals at teller windows and shared member spaces.
  • NanoSeptic self-cleaning adhesives have been installed on door handles and other high touch point areas throughout the branch
  • The health and wellness of our staff will be monitored on a daily basis.

A few additional things to remember:

  • Please continue to use our digital banking services whenever possible.
    – You can conveniently open new accounts and apply for loans online
    – Enroll and log into online or mobile banking to access your accounts
    – Email us or chat online to discuss your accounts or loans
    – Call eServices at 636-916-8300
  • All drive-thrus remain open. Please take advantage of it to limit social contact.
  • The best way to access our Member Experience Specialists for notaries, new account openings, or other related activities – is by appointment. Please schedule an appointment online or call 636-916-8300. Once your appointment is scheduled, please arrive at the branch at your designated time and check-in with the Lobby Coordinator for further instructions.

Please do not enter the branch if you are exhibiting any symptoms of COVID-19. These include fever or chills, cough, shortness of breath or difficulty breathing, fatigue, muscle or body aches, headache, new loss of taste or smell, sore throat, congestion or runny nose, nausea, vomiting, or diarrhea


Your Stimulus Check Status

Stay up to date on information that pertains to your stimulus payment, including the new pandemic fraud and scam schemes that are popping up. Looking for the status of your Stimulus Check? Visit the IRS website and click on Get My Payment.

Ways to Continue to Bank While Practicing Social Distancing

  • Enroll in online banking to gain access to your accounts from home 24/7.
  • Get a debit card for your account.
  • You will be able to make deposits at the ATM, pay for purchases and get cash without the need to come into a branch.
  • Download the 1st Financial Mobile banking app in the on Apple® App Store and Google® Play Store.
  • Qualified users can deposit checks using the remote check deposit feature.
  • Sign up for direct deposit if your employer offers it.
  • Consider using one of our online options to make loan payments.


Deposit Checks from Home

Enroll in SnapDeposit and use your mobile phone to conveniently deposit checks without having to visit a branch or ATM. The 1st Financial Mobile Banking app is available on Apple® App Store and Google® Play Store.

  • Download the 1st Financial Mobile Banking app.
  • Click “Deposit.”
  • Take pictures of your check and follow prompts.

We’re Here to Help

We understand the impact of the coronavirus pandemic may challenge your budget. In this time of uncertainty, we hope it’s comforting to know that we’re here to help relieve some of your financial worries. We have a variety of resources available.


Help With Your Loans

Short term loan modification and extensions (60 – 90 days) are available for members with delinquent consumer loans up to 45 days past due.
If you are under a hardship due to COVID-19, and cannot make your loan payment, please initiate a Chat on our website and choose “Chat About Past Due Loan”, email us at WeCanHelp@1stfinancialfcu.org or call us during normal business hours at (636) 896-8215.

We are temporarily suspending foreclosures for 60 days.
If you are under a hardship due to COVID-19, and cannot make your mortgage payment, please initiate a Chat on our website and choose “Chat About Past Due Loan”, email us at WeCanHelp@1stfinancialfcu.org or call us during normal business hours at (636) 896-8215.


Help With Your Accounts

The Credit Union may waive fees for payments, NSFs, or early withdrawals.

If you are under a hardship due to COVID-19, and need assistance with your deposit accounts, please initiate a Chat on our website and choose “Chat with Member Services” or call us at (636) 916-8300.

If you find you are unable to keep current with your payment obligations at the credit union, please contact us at (636) 896-8215 or at WeCanHelp@1stfinancialfcu.org. We may be able to offer a short-term loan modification, restructuring for lower loan payments, and can introduce you to a variety of online financial wellness educational resources and free financial counseling.


Low Rate Emergency Loan for Qualified Members

We created a special Emergency Loan to assist with paying bills, rent, or other financial needs for members with an active checking account who are experiencing financial hardship due to the global COVID-19 pandemic.

Loan Details:

  • One month’s net pay (up to $6,000)
  • 4.9% APR* interest for up to 12 months
  • No fees
  • Loan to be repaid when employment direct deposit resumes
  • For members with active checking accounts only

Apply Online
For faster service, applying online is the suggested way to apply. 

Call (636) 916-8300 during normal business hours
Due to an extraordinary number of calls, we are seeing wait times in excess of 30 minutes during peak times. Please consider applying online for faster service.

Protect Yourself

Use Contactless Payments

When shopping in stores, try using contactless payment options like Apple Pay, Google Pay, or Samsung Pay to avoid touching payment machines, cards, or cash. Many retailers are now able to accept contactless payments from mobile devices. Just look for the contactless symbol.

contactless payment image

For instructions on how to set up contactless payments, click the links below:

Apple Pay    Google Pay    Samsung Pay


Protect Yourself from Scams

As a reminder, 1st Financial will never ask you to provide private, secure information through email, a phone call, or text messaging, unless you initiated the inquiry with us.

In times of concern, it pays to be on the lookout for scams exploiting uncertainty. We’re here to help you, so if you suspect you have been the victim of fraud, please contact us immediately at (636)916-8300. The Federal Trade Commission (FTC) also has resources available on fraudulent activity being observed due to the coronavirus (COVID-19). For more information, please visit the FTC website.


Health Recommendations

We continue to monitor the quickly evolving situation and have contingency plans in place to avoid interruption in our service to our members. In the meantime, follow the bullet points below to stay as safe and healthy as possible:

  • Wash hands with soap and water for at least 20 seconds
  • Avoid touching your eyes, nose and mouth
  • Stay home and rest if you aren’t feeling well
  • Cover your coughs and sneezes with your elbow or a tissue
  • Use alcohol-based hand sanitizer
  • Disinfect frequently touched objects and surfaces.
  • Avoid close contact with others who are ill
  • Practice social distance guidance

For more information about COVID-19, visit the Centers for Disease Control and Prevention at www.cdc.gov.

Additional Resources

At 1st Financial, we understand that COVID-19 has created uncertainties among members of our community. We are sharing the resources below to help keep you up-to-date on the spread of COVID-19 and the impact it has related to school, finances, and life.

We will continue to update these lists as additional resources become available. If you are experiencing a hardship, please let us know as soon as possible so that we can review your situation.

For the most up-to-date information about the credit union, monitor this web page, check your emails and follow our Facebook page.

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