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We’re working to keep you safe: COVID-19 Updates

Effective May 4, our branches will be closed from 1-2pm Monday through Thursday until further notice.

Effective March 18, our branches are closed to walk-in members.

However, our Lewiston branch is still serving members through the drive-thru window, and Milwaukie members can be served through the vestibule of our International Way office – both during our regular business hours. Please call the Milwaukie branch prior to your visit so we can prepare to fulfill your needs.

If you are unable to conduct your banking using Online Banking, Mobile Banking, CU Telephone Banking, using a surcharge-free Co-op or MoneyPass ATM, or over the phone with a staff member, you may make an appointment with a Financial Service Specialist by calling the branch to confirm staff availability.

If you do not currently have a debit card, please contact us immediately so we can issue one to you just in case you should need it.

If you are concerned about making your loan payments or accessing your money due to job layoff, job loss, or illness:

Please contact us as soon as possible to discuss your options. We are committed to be by your side through these uncertain times to develop a solution that works for you.

Or send us a secure message inside Online Banking by visiting the Message Center in the upper-right corner of your screen.

Depending on your situation, you may be eligible for unemployment benefits due to the impact of COVID-19 on your job. Visit your state’s website to learn more:

In order to receive your Economic Impact Payment from the federal government as part of the Coronavirus Aid, Relief, and Economic Security Act (or CARES Act) via direct deposit, you must ensure that the IRS has your account information on file. Visit their Economic Impact Payments webpage to see if you are eligible for a payment, to update your direct deposit information, to provide your direct deposit information if you did not file a 2018 or 2019 federal income tax return, and for general information regarding the Economic Impact Payments.

The Consumer Financial Protection Bureau (CFPB) has step-by-step advice on how to get started if you are having trouble paying your bills or meeting other financial obligations, including how to work with debt collectors. Visit their website for this information, and more.

Banking Without the Branch

Cutting Edge offers a number of convenient ways to manage your money using e-Services, without setting foot inside a branch. Without even leaving your home, you can:

With Cutting Edge Mobile Banking, you can also remotely deposit checks with a few taps and photographs of your checks. If you would like to activate Mobile Deposit and haven’t already done so, please contact the credit union to enroll.

Cutting Edge is part of the MoneyPass and Co-op ATM networks, which allow you to search ATMS to access your money surcharge-free – some even take your check and cash deposits. Visit the MoneyPass and Co-Op ATM locator webpages, or use their convenient mobile apps, to find one near you today.

At this time we may be experiencing higher branch call volumes than usual. To simply check balances, transfer money, and other account services, access Cutting Edge CU Telephone Banking: 1-888-794-0052.

 


Recommended Ways to do Your Banking

To Make a Cash Withdrawal

If you need to make a cash withdrawal from your account(s), Cutting Edge is part of the MoneyPass and Co-op ATM networks which allow you to access your money surcharge-free. Visit the MoneyPass and Co-Op ATM locator webpages, or use their convenient mobile apps, to find one nearest you.

You may also be able to receive cash back on pin-based debit card transactions at participating retailers – just ask if this is offered at your time of checkout, and if there are any restrictions that may apply such as limits to the amount of cash back that’s allowed.

 

To Make a Deposit

If you need to make a deposit into your account(s):

 

To Check Your Account and Loan Balances, and Transfer Money Between Accounts

There are many ways to stay on top of your balances and make transfers, including:

 

To Make a Cutting Edge Loan Payment

To ensure that we receive your payments to apply to your loan(s), please consider making your loan payments in any of the following ways:

 

To Apply for a Loan

If you would like to apply for a loan:

 

If You Are Experiencing Issues With Your Debit or Credit Cards

 

What We Are Doing

Your credit union is closely monitoring the latest updates about the coronavirus COVID-19 spread and is at the ready to react to critical recommendations of the World Health Organization, the Centers for Disease Control and Prevention (CDC), and our local health authorities. We will keep our members informed of any changes that may impact the way you do your banking.

For the latest information regarding the outbreak and tips for preventing the coronavirus, please visit the CDC’s resource center.

If you need special assistance during this time, please contact us at 1-866-653-4392.

We have been inspired by the care and support from our members as we work together to ensure we are providing safe and responsible access to your money.

 

Other Helpful Resources

Protect yourself from emerging scams capitalizing on fear of the pandemic – scammers are setting up websites to sell bogus products, and using fake emails, texts, and social media posts as a ruse to take your money and get your personal information. Don’t click on links from sources you don’t know. Please know that Cutting Edge will never call you to ask for confidential information like your name, PIN, Online Banking password, or private account information. Learn more about how to protect yourself from scams at the Federal Trade Commission’s website.

We’ve also recently learned about hackers taking advantage of people’s need for information in the form of an Android app called “COVID19 Tracker,” posing as a real-time novel coronavirus tracker but will actually infect the device with ransomware. While this particular app has apparently been removed for download from the internet, cybersecurity researchers have identified several fake coronavirus tracker web maps and other tracker apps. This Business Insider article gives more tips on how to keep your devices safe.

If you’re concerned about making ends meet during these trying times, there are many local resources that may be available. Consider utilizing 211info.org, or dialing 2-1-1 on your phone, to discover what may be available to you and your family.

211 is a service of the United Way Worldwide, is available in 180 languages, completely confidential, and accessible 24/7/365. Simply enter your zip code and you can search their website, or speak with a local service professional to find resources for things like:

Many school districts, local business, and non-profits are offering lunches for children during the school shut down. Contact your local district to see if and how they are offering lunch services while students are at home.

With schools closed for the next several weeks, we realize kids might be spending more time than usual in front of the TV or computer – but that doesn’t mean it can’t be educational!

 

AARP Money MapTM – An online tool from AARP that is free and useful for all ages, to help you follow step-by-step action plans based on your unexpected expenses and ways to cope.

For the latest local guidance and mandates on the COVID-19 novel coronavirus pandemic:

If you are a small business owner looking for small business grants in Idaho, please visit the Idaho Rebound Cash Grants for Small Business website for eligibility requirements and how to apply.

The state of Oregon has appropriated funds for small business grants, but the details have not yet been shared on who is eligible or how to apply. We will update here as we learn more.

Cutting Edge is not currently approved to make Small Business Administration (SBA) Loans, but there are many financial institutions and loan funds in the Milwaukie area who can take your application for the Paycheck Protection Program (PPP), SBA Debt Relief Loans, and other SBA lending programs. To find the right program and lender for you, please visit the SBA website.

We thank you for your patience and cooperation at this time.

 

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