作为你值得信赖的信用合作社, 利记app官网 continues to monitor the current global epidemic and its impacts. The quarantine certainly has changed and touched the lives of our employees and members in countless ways. 我们理解with all the uncertainty many will be focused on their financial well being这也是我们的首要任务.
Banks and credit unions fall into the category of "essential services." That’s why we continue providing for your daily financial needs such as savings and checking as well as your short and longer-term goals supported by our extensive lending and credit programs, 在我们的其他服务中.
While the current environment has caused 元素 to deploy the majority of our employees to work from home, we are operating as close to business as usual as we can so you can continue with your financial lives as close to normal as you can.
We’ve assembled this set of suggestions to help you navigate the current challenges and some concrete ways 元素 can assist you directly.
支出
保持冷静. Stockpiling at a time like this might feel like the right and natural thing to do, yet it can make it harder for others and expensive for you. So, 如果你有大量的某些物品供应, 问问你的家人, 朋友, 和同事看看他们是否有他们需要的东西.
尝试新事物. This might be a great time to try generic or store-brand products or even less expensive store chains in your area. You might find that paying less for staples is a good new habit you can establish at this time.
如果取消，请阅读细则. We know many members have cancelled Spring Break plans and other upcoming trips and activities. It’s especially important to read policies right now to understand your rights and possible reimbursements. Airlines are making this easier than usual by offering automated online options for cancellations and credits.
消费安全. 进行网上订购, 尽可能多, and plan ahead due to increased delivery and shipments times. Maintain a continuous list to stay organized and keep track of what you need. 请确保只使用来自 你通常使用的信誉良好的公司.
如果你一定要出去, check with your retailer for pre-orders online that will allow you to get in and out efficiently. Also, remember your mobile wallet options to limit contact with point of sale machines.
我们如何提供帮助
借款
创造现金流. 随着可变利率债务成本的下降, it could cost you less to borrow money right now that you would expect. Explore your options for refinancing auto loans and borrowing on equity in your home – two smart ways to create a safety net if you need one right now.
不付款. This program is helpful to give you a break and a boost from skipping a monthly consumer loan payment.
额外的信用. Having credit available for emergencies is helpful and reassuring. Leaving credit un-used can even help your credit score because it increases your capacity. 购物和比较优惠. (当然，我们相信我们的投资组合是最好的!)
我们如何提供帮助
储蓄
现在存钱可能更难了. 我们理解. If you’re still receiving regular income, it’s important to continue the habit of saving.
也许你的开支减少了. A time like this can result in fewer expenses, ironically. Especially commuters who are used to filling gas tanks, 买咖啡和午餐, and investing in work wardrobes might be finding some flexibility in their accounts in a matter of only weeks. 克制住花钱的冲动，把钱存起来.
保持冷静，与专家交流. If you have concerns about your long-term savings, reach out to your preferred professional. 没有人可以打电话? 打电话给我们.
我们如何提供帮助
杂项金钱-欺诈，税收，和更多!
格外警惕. Watch for potential fraud, which typically spikes in situations like these. 以下是一些需要记住的事情:
- Never provide any personal or financial information over email, text, or phone to an unknown person or organization or open/click unfamiliar links in an email.
- Actively monitor your spending activity through mobile banking apps.
- Set up text alerts within mobile banking to inform you about any suspicious activity.
花点时间处理你的税务问题. New Indiana and federal due dates have been extended to July 15. But you might want to go ahead and file ASAP if you’re expecting a refund that would be helpful to you. 如果你住在另一个州，检查你的截止日期. (一定要向税务顾问咨询.)
注意刺激措施. 在本文发稿时, details and timelines for federal relief to taxpayers are not finalized. 咨询你的税务顾问或国税局.查阅详情. If you do expect money back, consider direct deposit with the IRS. This will allow for faster payment and helps fight fraud with the potential issue of a lost check.
If you’d like to save the funds, look to us for multiple options.
我们如何提供帮助
什么是最重要的?
During this time, it’s the wellness of our families, 朋友, and communities, of course. From everyone at 元素, be well and thank you for your loyal business. 我们在这里支持你，方法如下:
- 利记通过桌面元素.org and mobile app, both with remote check deposit capabilities.
- 我们的全球自动柜员机;
- 我们的24/7客服中心: 1-317-276-2105 或免费 1-800-621-2105;
- 在我们的网站上进行实时聊天，上午9点至下午5点;
- Secure Messages through online banking and the mobile app;
- 电子邮件通过 customerservice@herosee.net;
- 全国共享网点 (These locations have gone to drive-thru only with limited hours; we recommend calling ahead before visiting.)
This information is provided for informational purposes only. It does not constitute legal, tax or financial advice. Consult with your tax, legal or financial adviser before taking any action.
