Coronavirus

Tidemark FCU is closely monitoring the evolving circumstances related to the Coronavirus (COVID-19).

The health and safety of Tidemark Federal Credit Union members and employees is our top priority. As we continue to monitor the impact of Coronavirus in our region, please be assured we are actively taking steps to assist our members.

Paycheck Protection Program (PPP) Loan Portal

To apply for a Paycheck Protection Program loan with Tidemark FCU: 

The scammers are using this incident to create fake stimulus checks.

Fraudsters haven’t wasted any time with scams related to the coronavirus. In response to the federal stimulus package,the Better Business Bureau (BBB) reported that fraudsters have deployed a variety of scams involving coronavirus stimulus checks. The BBB Scam Tracker has received several reports of coronavirus scams where individuals are contacted through text messages, social media post /messages, or phone calls.

One version of the scam targets seniors through a Facebook post informing them that they can get a special grant to help pay medical bills. The link within the post takes them to a bogus website claiming to be a government agency called the “U.S. Emergency Grants Federation” where they are asked to provide their Social Security Number under the guise of needing to verify their identity. In other versions, fraudsters claim individuals can get additional money –up to $150,000 in some cases. The victims are asked to pay a “processing fee” to receive a grant.

In North Carolina, there are several reports of a coronavirus scam in which potential victims received phone calls. Fraudsters told the victims they qualified for a $1,000 to $14,000 coronavirus stimulus payment; however,they must first pay a processing fee.

Coronavirus direct payments will likely be in the form of direct deposits or through U.S. Treasury checks. Fraudsters may look to seize this opportunity to create counterfeit U.S. Treasury checks to use in their scams. Knowing when the stimulus checks will be issued, fraudsters could steal U.S. Treasury checks out of the mail and attempt to cash them at a credit union after opening an account. This was a common occurrence in the aftermath of Hurricane Sandy as fraudsters counterfeited and forged U.S. Treasury checks representing the Federal Disaster Assistance checks.

Fraudsters may also attempt to scam members into providing their account number under the pretense of direct depositing the stimulus payment to their account.

 

Verify Treasury Checks

https://tcva.fiscal.treasury.gov/approot/tcva/TCVA_Welcome.html

March 18, 2020 

Dear Tidemark Members, 

The health and safety of Tidemark Federal Credit Union members and employees is our top priority. As we continue to monitor the impact of Coronavirus in our region, please be assured we are actively taking steps to assist our members.

1. All of our services can be provided to you electronically or via call, chat, or email. At present we have closed our Millsboro Branch to sequester our Member Service Team housed there. They are geared up to work remotely if needed to continue service to you. The lobbies of all of our branches are closed. But, please be aware, it is not necessary for you to visit a branch to receive service from us.

Existing Services

  • Online banking, mobile banking, and bill pay. Log-in to check balances, make payments, transfer funds, or deposit checks. If you haven't registered yet, we encourage you to create your account today by calling our Member Service Team, 302-629-0100.
  • Teller services 24/7 at our Express Teller Machines. Currently our cash withdrawal limit is $2,500
  • Unlimited check deposits with Mobile Remote Deposit or at our Express Teller machines
  • Opening new accounts or adding services to existing accounts online
  • Applying for loans online or by telephone
  • Signing for loan documents and membership documents remotely
  • Call Center staff available from 9am to 5pm to help you with all of your needs

2. Tidemark FCU is here for our members who require assistance due to a loss of income related to COVID-19. 

LOAN EXTENSIONS

We anticipate that many people will be out of work with limited or no pay due to closures caused by the coronavirus.

We will be liberal providing extensions to borrowers who have been financially burdened due to the coronavirus. Until further notice, loan extensions will be provided in 1-month increments. Please click here for instructions and form to apply. 

LOAN PROGRAMS

Emergency Loan

5.99% APR up to $5,000 (minimum of $500)

  • 1st Payment deferred for 60 days
  • Maturities:
    • 6 months for up to $1,000
    • 15 months for up to $2,500
    • 28 months for up to $5,000
  • Loans are subject to underwriting and generally require a credit score of 650 or more
  • Must show proof that current employment has been impacted by COVID-19
  • Maximum of $5,000 per household (multiple advances are permitted) 

VISA Credit Card

Members with existing VISA cards can get a Cash Advance up to their available limit.  Just visit a branch or call us at 302-629-0100 and we’ll put the funds into your account. During the months of March and April we will waive cash advance fees. 

If you currently have a VISA card with us and would like an increase, contact us. Our maximum limit, depending on credit history and income level, is $25,000.

Please visit our website for additional announcements.

If you have any questions or concerns, please contact a Tidemark FCU Member Service Representative at 302-629-0100. 

Sincerely, 

Pam Fleuette,

President/CEO

EFFECTIVE FRIDAY, MARCH 20TH AT NOON.

The lobby at all of our Branches will be closed to member traffic.

Please use our 24/7 drive-up machines. Our machines have live tellers who can assist you with your transaction, or if you are uncomfortable using the machine they can do your transaction for you.

Tidemark FCU services allow you access to most of your banking needs 24/7.

Express Teller Machines*

Deposit Cash (up to 200 bills at one time)

Deposit Checks (up to 50 checks at one time) - No $ limits on check deposits

Withdraw Cash up to $2,500: choose your denominations, $50, $20, $5, $1 and coin

Cash Back on a Check Deposit

Make loan payments by cash, check or transfer from Tidemark account

Do a Balance inquiry

Make a Transfer to/from your various Share and Loan Accounts

Get a Mini Statement showing the last 5/10 transactions

*Available at All Branch Locations. Each has a drive up and at least one machine in the vestibule (except Millsboro on Washington Street).  Click here for a link

Online/Mobile Banking

Transfers

Account/Loan history

Check deposit (mobile banking)

Loan Payment

Statement

Travel Notice

Turn a Debit or Credit Card on or off

Apply for a Loan

Open an Account

Secure eMail and secure Chat for questions/concerns regarding account

If you need to sign documents, we can use DocuSign

Member to Member Transfer (to transfer funds to another account here for free)

PopMoney (to transfer to another person elsewhere, or to your own account elsewhere) 

We are waiving transfer fees for the 1st 4 standard transactions per month

Online Bill Pay

Regular Email

Memberservices@TidemarkFCU.org

This is not secure, so please don’t include private information.  We can look you up by name. Provide a telephone number where we can reach you.

Call Us

302-629-0100

We are fully staffed and ready to help you with all of your needs.

Replacement Debit or Credit Card

Call us and you can pick an instant issue card at one of our branches with a drive through

Temporary Checks

Same, call us and you can pick them up at a branch with a drive through.

Night Drops and Mail

Will be processed daily as usual

Businesses Needing Cash or Coin

Call for a pick-up

Absolutely Need to Get into a Branch?

We will accommodate true emergencies by appointment only. All appointments must be prearranged. If you require an appointment, please call us at 302-629-0100 to discuss your needs.

Cross Account Transfer

Did you know that you can set up cross account transfer on any accounts you are joint on?  That way you can see all of your accounts with one Login to an Express Teller Machine or Online/Mobile Banking.  Call us to set this up for you.

Consumer / Mortgage / Commercial Loans

We will continue to take loan applications and process loans as usual. Call us or go online at www.Tidemarkfcu.org

IRA Accounts and Decedent Accounts

Our Programs Department is ready to help you.  Call or eMail us.

 

LOAN PROGRAMS 

Emergency Loan            

5.99% APR up to $5,000 (minimum of $500)

  • 1st Payment deferred for 60 days
  • Maturities:
    • 6 months for up to $1,000
    • 15 months for up to $2,500
    • 28 months for up to $5,000
  • Loans are subject to underwriting and generally require a credit score of 650 or more
  • Must show proof that current employment has been impacted by COVID-19
  • Maximum of $5,000 per household (multiple advances are permitted) 

VISA Credit Card

Members with existing VISA cards can get a Cash Advance up to their available limit.  Just visit a branch or call us at 302-629-0100 and we’ll put the funds into your account. During the months of March and April we will waive cash advance fees. 

If you currently have a VISA card with us and would like an increase, contact us. Our maximum limit, depending on credit history and income level, is $25,000.

 

LOAN EXTENSIONS ARE AVAILABLE

We understand that many of our members may be out of work and have limited or no pay due to closures caused by the COVID-19.

We will be offering loan extensions to our members who have been financially burdened due to the COVID-19.   We will be providing extensions in 1-month increments.

Your loan must be current to submit this request. If you have a loan in delinquency status, please contact us at 302-629-0100 for assistance

Please fill out the below form and email it to memberservices@tidemarkfcu.org. You will receive an email via DocuSign with this form and a loan modification request. You must complete and sign both these documents in order for us to process the extension agreement.

Tidemark FCU is closely monitoring the evolving circumstances related to the Coronavirus (COVID-19). A dedicated task force has been created and talks daily to review the most current guidance from the Centers for Disease Control and Prevention (CDC), World Health Organization (WHO), and state and local authorities and make proactive adjustments to our preparedness and response plan. 

To ensure that you are aware of our business continuity efforts and comfortable with our commitment to seamlessly provide the service and support you depend on, we will provide ongoing updates as necessary.

Tidemark FCU Employee Wellbeing

We have established a company-wide reporting process to identify any employee with emerging symptoms consistent with the flu or Coronavirus and take immediate actions to reduce exposure to other associates. Business and personal travel of our associates is being monitored. We will impose a self-quarantine for those returning from airline travel and/or locations of concern.

Many of our back-office associates are fully prepared to work remotely, if necessary. Accordingly, the processing of ACH, checks, Deposits, etc. will continue to flow without interruption.

Branch and Call Center Services

Tidemark FCU, has been strategically focused on digital reinvention for several years. With our digital technology, we feel confident in our ability to serve you in the worst of situations with teller services, loan services, call and chat capabilities, and video conferencing.

Our associates have been instructed to continuously wipe down surfaces and equipment in branches to hinder the spread of any germs.

Business Continuity 

While the actual impact of the evolving Coronavirus is unknown at this time, we have proactively reviewed our business continuity plans and do not anticipate any scenario that would impede our ability to meet our business continuity obligations.

Tidemark FCU Partnerships and other Third-Parties  

Select Tidemark FCU solutions are dependent on specific components provided by business partners. Our key business partners are proactively updating their business continuity plans as the Coronavirus and its possible impact evolve and communicating with us regularly.