Safety Measures in Place
Current Locations & Hours
Tips to Avoid COVID-19 Scams
Hardship & Loan Assistance
Free Weekly Credit Reports
COVID-19 Crisis Response Fund
IRS Confirms Taxpayers Need to Return Economic Impact Payments Made to Deceased People
Governor Holcomb's Roadmap to Safely Reopen Indiana
Heritage Federal Credit Union is implementing the following safety measures that will be in place when we reopen:
- We will ask our members to please follow the social distancing guidelines posted at the office entrances.
- We will practice social distancing by limiting the number of members allowed in our offices at any given time.
- Plexiglas barriers will be installed on our Teller lines and in our offices for added safety and protection.
- Markers on the floors will be placed to show members where to stand to follow social distancing guidelines.
- All staff members have increased handwashing throughout the day.
- Extra cleaning processes have been implemented in all of our facilities.
We began a phased reopening of our branches on June 8th.
You Can Bank from Home, or Bank on the Go with:
- Online Banking
- HFCU Mobile App for Android and Apple – With Remote Check Deposit
- Telephone Banking
- Mobile Wallet – Apple Pay, Samsung Pay, and Google Pay
- iPay with Alexa
- Drive-Thru Service – Available at Our Locations
- ATMs – Located at All of Our Branches, throughout the Community, and Access to Over 5,000 ATMs Fee-Free through the Alliance One Network
- Night Depository – Available at Our Locations
Plus, now is a great time to consider reducing the need for cash by using a Heritage Federal Credit Union debit card. We offer instant issue at any of our branch locations by appointment or we can mail one to you within 7-10 business days.
In addition, all of our remote contact channels remain available as we take extra precautions to provide safe business and work environments for our members and employees:
- Account Assistance through the Secure Message Center in Online and Mobile Banking.
- Contact Us Form for Any Account Questions You Would Normally Ask Face-to-Face.
- Information Center – Call 812.253.6928 for Any Other Account or Loan Questions. Hours are 8:00 am - 5:00 pm Monday - Thursday, 8:00 am - 6 pm Friday, and 8:30 am - Noon on Saturday.
As a reminder, a Heritage Federal Credit Union representative will never contact you without prompting, and ask you to verify your member number, full Social Security number, ATM, Debit/Credit Card number, or any other personal financial information.
Scammers are looking for opportunity. As new COVID-19 information becomes available, they take advantage of the situation and try to get you to fall for their traps. Get informed with these helpful tips and avoid harm.
The largest stimulus package in American history, called the CARES Act, has been passed to provide relief for individuals and small businesses. While there are many items included in the $2.2 trillion piece of legislation, there are some important provisions specific to financial planning.
We Are Here to Help. We have special policies that have been put into place to help address COVID-19-related hardships for Heritage Federal Credit Union auto loans, consumer loans, credit card accounts, loans secured by real estate, and mortgage loans. You will need to contact us to participate in these relief efforts.
If you’re feeling anxious about your financial health during these uncertain times, you’re not alone. That’s why the three national credit reporting agencies, Equifax, Experian, and Transunion, are giving people weekly access to monitor their credit reports — for free through April 2021. To get your free reports, go to AnnualCreditReport.com.
This is some helpful news, because 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.
If you’re one of the many Americans struggling to pay your bills right now because of the Coronavirus crisis, here’s what you can do:
- Contact the companies you owe money to. Ask if they can postpone your payment, put you on a payment plan, or give you a temporary forbearance.
- Check your credit report regularly to make sure it’s correct — especially any new payment arrangements or temporary forbearance. The recently passed CARES Act generally requires your creditors to report these accounts as current.
- The crisis has also spawned an increase in fraud and identity theft as criminals exploit government relief programs. Be on the lookout for loans that you did not apply for or spending that you did not initiate.
- Fix any errors or mistakes that you spot on your credit report. Notify the credit reporting agencies directly. You can find out more by reading Disputing Errors on Credit Reports.
Information provided by the FTC blog.
Get Your Free Reports at:
The COVID-19 pandemic has affected so many in our community and our local leaders have come together to respond. A fund has been established, with a goal of $6M, through the United Way of Southwestern Indiana so that individuals and families in need are supported. We are on board and have made a donation to get the HFCU support started. If you have the ability to help, please consider contributing. Donations will be accepted in drive-thrus at our branches for this special account. Just reference “COVID-19 Crisis Response” with your donation. We will get through this together!
The IRS published guidance confirming that Economic Impact Payments (EIPs) made to someone who has died should be returned by individuals to the IRS. The IRS made this clear by adding questions to its EIP FAQ website. Here is the operative question and the answer in full:
Q10. Does someone who has died qualify for the Payment? No. A Payment made to someone who died before receipt of the Payment should be returned to the IRS by following the instructions about repayments. Return the entire Payment unless the Payment was made to joint filers and one spouse had not died before receipt of the Payment, in which case, you only need to return the portion of the Payment made on account of the decedent. This amount will be $1,200 unless adjusted gross income exceeded $150,000.
Further down in the FAQs (Q41), the IRS provides this information on how an EIP should be returned by an individual:
If the payment was a paper check:
1. Write "Void" in the endorsement section on the back of the check.
2. Mail the voided Treasury check immediately to the appropriate IRS location listed below.
3. Don't staple, bend, or paper clip the check.
4. Include a note stating the reason for returning the check.
If the payment was a paper check and you have cashed it, or if the payment was a direct deposit:
1. Submit a personal check, money order, etc., immediately to the appropriate IRS location listed below.
2. Write on the check/money order made payable to “U.S. Treasury” and write 2020EIP, and the taxpayer identification number (social security number, or individual taxpayer identification number) of the recipient of the check.
3. Include a brief explanation of the reason for returning the EIP.
Refunds issued to Indiana residents should be sent to:
Kansas City Refund Inquiry Unit
333 W Pershing Rd, Mail Stop 6800, N-2
Kansas City, MO 64108
The address for returning EIPs varies by where a person lives and can be found in the answer to Q41 in the FAQ.
On May 1st, 2020 Governor Eric J. Holcomb addressed the state regarding COVID-19 and how Indiana plans on getting Back on Track. Learn which stage we are in and view the plan.
Back On Track Indiana