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June 12, 2018
How to Keep the Cash Flowing During a Weather Emergency
Of course, you know to stock up on emergency supplies and make evacuation plans. Now, there’s one more thing you need to do before you can say you’re ready for hurricane season – make a plan for your financial survival. Here’s a quick checklist:
1. Stash some cash. Don’t just rely on credit/debit cards or mobile pay because ATMs and terminals may be down. Have enough cash to last at least a week, and to cover unexpected expenses like renting a motel room if you temporarily relocate.
2. Get a secure storage container for all of your important documents – birth certificates and Social Security cards, insurance policies, legal and loan documents, financial and medical records. If you get the order to go, this goes with you.
3. Inventory your property. Take pictures, and make a written list as well, just in case cloud storage goes down. Keep the list in the same box with all your other important papers.
4. Write down key phone numbers. Again, what if mobile service is out and the only phone around is the old-fashioned pay kind? Have a list of the numbers you can’t lose, like ours (800.839.6328), as well as your physician and pharmacy, your employer and insurance company.
5. Review your insurance policies, and do it now, not when a monster storm is coming ashore. You don’t want to find out the hard way that your coverage comes up short.
At Grow, we’ve also made plans to safeguard your accounts with us, and we recently trucked out our Mobile Response Unit for a very successful test. Think of it as a fully-functioning corporate office in a more portable size. So even if we lose power at headquarters, the MRU will be up and running to handle any transaction and to ensure your confidential information is secure.
Like you, we’re hoping for the best and preparing for the worst. For more tips on safeguarding your family, your property and yourself in the event of a natural disaster, visit ready.gov, the official website of the Department of Homeland Security.
How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.
Don’t have a Grow check? No worries.
Visit any Grow store and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
When it comes to making payments, we try to make it as painless as possible to pay your loan every month. We have several different ways to pay, including convenient online options.
You have two ways to pay online by transferring funds from another bank or credit union.
- Grow Online Banking (Preferred payment method for any loan)
This is the simplest way to pay your loan. You can make one-time payments or set up automatic recurring payments in Grow Online Banking. Once you log in, select “Transfer/Payments” from the menu. If you’re not enrolled in Grow Online Banking yet, you can set up your account in just a few minutes.
- Debit Card or ACH (Available for auto, personal loans and HELOCs)
Note: ACH and debit card payments are not available for credit cards or most mortgages, except HELOCs.
We accept ACH payments with no additional fees or Mastercard® and Visa® debit cards with a convenience fee of $4.95. To get started with an online ACH or debit card payment, select Pay Now below.
Pay by Mail
You can also pay any Grow loan by check through the mail. Please remember to include your account number and Grow loan number on the check. (For credit card payments, please do not write your 16-digit credit card number on the check, which can cause a delay in processing the payment.)
Address for auto, credit card, personal loan and HELOC payments:
Grow Financial Federal Credit Union
P.O. Box 75466
Chicago, IL 60675-5466
Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733
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