Responding to COVID-19

Updates Regarding Coronavirus (COVID-19)

Updated 06/24/2020

Essential Business
The Commonwealth of Massachusetts is now operating based on a “Safer At Home” advisory.  Align has made adjustments to operations to ensure there are no service interruptions while we all navigate these challenging times together.

Operating Hours
We have not reduced our operating hours at this time.  Our Member Care Center is available by calling (800) 942-9575 Monday to Thursday from 8:30am to 4:30pm, Fridays from 8:00am to 6:30pm, and Saturdays from 9:00am to 12:00pm.  For additional information about our branch locations and drive-thru hours, visit our Locations and ATMs page.

Temporary Lobby Closures
While the Stay-At-Home Advisory is in effect in the state of Massachusetts to help slow the spread of COVID-19, we have temporarily closed our branch lobby locations to protect Members and staff by reducing the risk of virus exposure.  Please note that we are no longer taking branch appointments as part of those precautionary measures. If you need to visit us, please utilize one of our drive-thru locations or ATMs.   Visit the drive-up to cash checks, make deposits and withdrawals, check balances and more.
 
The drive-thru business hours for the Amesbury, Danvers, Haverhill, Lowell, and Wilmington branches are:
 
Monday - Thursday: 7:30 AM - 4:30 PM
Friday: 7:30 AM - 6:30 PM
Saturday: 9:00 AM - 12:00 PM
 
Our Framingham and Methuen branches are temporarily closed.  For more information, visit our Locations and ATMs page.


CARES Economic Relief Payment
As part of the CARES Act, the Treasury Department and the Internal Revenue Service (IRS) have announced that the distribution of economic impact payments will be distributed automatically, with no action required for most people. However, some taxpayers who typically do not file returns will need to submit a simple tax return to receive the economic impact payment. For more information about the stimulus payments, including details on how to calculate the amount of your potential payment, please visit the IRS’ Coronavirus page.

Digital Banking Tools
In an increased effort to keep you safe, we encourage all Align Members to use our eServices.  Our goal is provide you with uninterrupted 24/7 access to your accounts and we have many digital banking tools that are easy to use, including: For frequently asked questions about how to register for online banking, if you forgot your password and more, click here.
 
For frequently asked questions about mobile banking, including how to endorse checks for deposit, click here.
 
Align VISA® CURewards Debit & Credit Cards
With an Align VISA® CURewards Debit or Credit Card, you can make purchases anywhere you see the VISA® logo, including online, over the phone, and in stores.  With EMV chip protection, you have secure and quick access to your funds.
 
For questions or to report your Align Debit Card or Credit Card lost/stolen when Align is closed, call (800) 449-7728.
 
Financial Relief Solutions
We want you to be aware we are here for you during these trying times.  If you are having trouble paying your Align Credit Union loan(s) due to loss of employment or inability to work, please contact our Loan Assistance Group at (978) 323-8089. 
 
Align Credit Union prides itself on outstanding member service.  During the current state of emergency, communication is extremely important and will be paramount in our ability to provide you with assistance.  Please speak with us before working with any third party organizations, as they may charge fees for their services and the potential for scams can increase during this time of economic downturn. 
 
Please note if you are currently unable to leave the house but have the means to make your monthly payment, we can assist you with a variety of payment channels.
 

Consumer Financial Protection Bureau (CFPB) Resources for Consumers
The CFPB has published resources for consumers about mortgage and student loan payment relief as well as scams during the Coronavirus outbreak.

FREE Credit Reports

Staying on top of your credit report is one important tool to help manage your financial data. Your credit report has information about your credit history and payment history — information that lenders, creditors, and other businesses use when giving you loans or credit. 
Now it’s easier than ever to check your credit more often. That’s because everyone is eligible to get free weekly credit reports from the three national credit reporting agencies: Equifax, Experian, and Transunion. To get your free reports, go to AnnualCreditReport.com. The credit reporting agencies are making these reports free for the next year.

Resources for Business Members
We understand that the business landscape has changed due to the effects of COVID-19 and we are here to help.  We are ready to support you with the resources and solutions you need to manage your business during this difficult time.
 
The U.S. Small Business Administration’s Economic Injury Disaster Loan Program provides disaster loan assistance for businesses, private non-profits, homeowners and renters.  Learn more about the program by visiting the SBA’s application page.
 
Check back as more programs and details become available regarding additional resources and solutions.
 
Fraud & Scam Prevention
Scammers are already taking advantage of the fears surrounding the Coronavirus (COVID-19).  Beware of websites selling bogus products, as well as fake emails, texts, and social media posts.  These types of tactics are used to steal your personal information and/or your money.  Here are some tips from the Federal Trade Commission to protect yourself and your family.

Your Funds Are Safe
We would like to remind you that your deposits at Align Credit Union are safe.  Align is financially strong and well capitalized. Additionally, your funds are insured by both the NCUA and MSIC, which means your deposits are safe and secure regardless of what is happening with the economy or stock markets.

Protective Measures
To protect our staff and Members, we have taken the following precautions:
  • Increased cleaning and sanitizing of workspaces and public areas, including branch lobbies and ATMs.
  • Educating staff about prevention and preparedness.
  • Instructing employees to stay home if they don’t feel well.
  • Adjusting branch hours and lobby availability as needed.
  • Holding virtual meetings as needed.
  • Expanding remote work capabilities so that staff can work from home and ensure all key functions are operational.
  • Canceled events and business travel for the immediate future.
Staying Up-to-Date
We will continue to monitor the situation closely and evaluate additional measures to support our Members, staff, and community as needs arise.  Please continue to check your emails from us and visit AlignCU.com or our social media pages for the most current information related to Align’s response to the Coronavirus.
 

Additional Information about COVID-19