Coronavirus (COVID-19) Update

3/24/20: Member Relief Programs

Credit Unions were built on the foundation of people helping people, and that is what TBA Credit Union (TBACU) continues to do during this uncertain time. Rest assured, TBACU member’s money is safe and available.

Effective Tuesday, March 24, through April 30, the TBA Credit Union Board of Directors approved a Relief program for members which includes the following:

  • Waiving all Overdraft fees including: NSF fees, Non-return fees, Overdraft transfer fees, and Negative balance fees
  • Income Supplement Loans
    o As low as zero percent and up to 1.99% for qualified borrowers.
  • Skip-Payment Program skip up to 2 months payments for all eligible consumer and business loans.
  • Access to Certificate of Deposit funds penalty free
    o If you need to withdraw funds due to the COVID-19 pandemic to care for a dependent or income loss.

In doing so we hope to ease a bit of the financial stress you may be feeling right now. Login to It’sMe247 to apply for Skip Payment and Income Supplement Loans.

Download our mobile app to access to your accounts 24/7. Check balances, transfer funds, pay bills, deposit checks, skip-a-loan-payment, apply for a variety of loans, and more.

TBACU’s Service Center is available from 8 am-6 pm by calling or texting 231-946-7090.

TBACU’s lobbies remain closed and while loans can be originated electronically, they will set up appointments for urgent/essential needs following their internal COVID-19 mitigation protocol.

Utilize TBACU’s ATM’s for quick access to cash. Drive thru service is available at the South Airport and Front Street branches Monday through Friday, from 9 am-5 pm. Member Service Representatives are available to assist with deposits, withdrawals, and check cashing.

3/23/20: Resources for Business Members

During these unprecedented times of uncertainty, it is important for you to know that TBA Credit Union (TBACU) is here to provide assistance and resources to the members of our business community. Below are four resources our business members can utilize.

SBA Disaster Relief Loans: The U. S. Small Business Administration (SBA) provides low-interest, long-term disaster loans to businesses of all sizes, private non-profit organizations, homeowners, and renters to repair or replace uninsured/under-insured disaster damaged property. SBA disaster loans offer an affordable way for individuals and businesses to recover from declared disasters. 

Learn more

Traverse Connect: Responding to the COVID-19 epidemic is difficult for everyone. Responding to the epidemic when you own or manage a business feels almost impossible. Traverse Connect is here to support your business during this unprecedented time. 

Learn more

Traverse SCORE: Local SCORE Traverse City mentors are current and retired business men and women who volunteer their time to offer support, guidance, and advice to small businesses in northern Michigan. SCORE mentors will meet with clients by video or phone conferencing to assist with your business needs.

Learn more

CDC’s Guidance for Businesses and Employers to Plan and Respond to COVID-19: This resource offers up to date details on how to plan, prepare and respond to the Coronavirus. This interim guidance may help prevent workplace exposures to COVID-19, in non-healthcare settings.

Learn more

3/20/20: Protect Yourself from Fraudsters

During this time Fraudsters are taking advantage of the COVID-19 scare. Stay vigilant to protect your family and information. Below are a few tips and tricks to stay safe.

  • Get your information from known links and sources. Fraudsters are creating malicious websites and targeting consumers. Use the official sites listed below, for health-related questions. (this would reference the official health-related sites already listed)
  • Be aware of an increase in email, text and telephone scams about COVID-19.
  • Avoid selecting links and attachments in your email or giving information to telephone solicitors.
  • Navigate directly to the known website. Use a known telephone number or one from the Yellowpages.
  • If you’ve fallen victim to a scam, immediately call your financial institution.

To learn more about Coronavirus (COVID-19) scams to watch out for click here.

Have questions or concerns? Contact our Service Center at 231.946.7090.

3/17/20: Lobbies Temporarily Closed

Please be assured, your money is safe and available for you, we are just temporarily shifting how we serve you.

Effective March 17 at 12 pm, we will remain open to serve you by drive-thru only during normal business hours. Please note that our lobbies will be accessible by appointment only. As always, you can access your account by ATM, through online banking, and the TBACU Mobile App. We are also available by phone and text at 231-946-7090 from 8 am-6 pm, Monday-Friday.

Thank you for your patience as we respond to the latest updates regarding COVID-19 guidelines with a mindset of how we can provide the best solutions during challenging times. As your world changes, we will be here to provide the financial assistance you need.

3/16/20: Alternative Banking Options


Credit Unions were built on the foundation of people helping people, and that is what we intend to do during this uncertain time. School closings, business closings, and social distancing measures have many feeling uneasy in regard to their finances.

We are currently offering a Skip-Payment Program and waiving the fee for all members, including our business members. Please contact our Service Center team by calling or texting 231.946.7090 to learn more.

In the event that we do close our lobbies, the following services will remain available.

Apply for a Loan Online
Click here or our download our mobile app and apply for a variety of loans.

Need to Close on a Loan or have Questions on a Current Loan
While all loans can be closed electronically via email, we will set up appointments if necessary. We do have a policy in place to assist employee groups that become financially burdened due to unusual circumstances with the potential of loan advances or modifications.

Card Control
Receive instant transaction alerts, temporarily turn off your debit or credit card if misplaces, or report lost/stolen cards.

Available at our South Airport and Front Street branches, Member Service Representatives are available to assist with deposits, withdrawals, and check cashing.

Mobile & Online Banking
Total access to your accounts 24/7. Check balances, transfer funds, pay bills, etc.

Remote Deposit Capture
Deposit checks right from your mobile device through the TBA Credit Union mobile app.

Service Center
You can reach our team by calling or texting 231.946.7090 Monday-Friday, 8 am to 6 pm.

As more details are released, we will be sure to update all of our members through email, here on our website, and social media.

3/12/20: Our Top Priority

TBA Credit Union’s top priority is the health and wellness of our members and employees. As information about the coronavirus (COVID-19) is shared throughout the community, TBACU is actively monitoring the situation and is taking steps to help protect our members and employees.

What TBACU is doing:
Our team is closely monitoring the situation and has an agile response plan in place. In addition, review and execution of existing preparedness and business continuity plans have occurred.

  • We are closely monitoring the information provided by the Center for Disease Control and Prevention (CDC) and local authorities. Employees have been encouraged to familiarize themselves with the information and follow CDC directives, when applicable.
  • We have distributed additional hand sanitizer throughout the organization for use by members and employees and have put additional cleaning rotations in place.
  • We have encouraged our employees to continue to monitor their health and have created direct communication channels for sharing any issues or potential exposure concerns.

What you can do:

  • Wash your hands often with soap and water for at least 20 seconds.
  • Avoid touching your eyes, nose, and mouth with unwashed hands.
  • Cover your nose and mouth if you have to cough or sneeze.
  • Stay home if you are sick and avoid close contact with others.
  • Review the CDC’s resources to stay informed.


TBACU is committed to serving and supporting our members. We will continue to diligently monitor the situation to adapt and update our members as needed.

Concerned about your investments? Click here for a word from our CFS* Financial Advisor, Andrew Maniaci. 

In the meantime, we encourage members to use our website and/or mobile app to apply for a loan, access account information, deposit checks through Remote Deposit Capture (mobile app only), manage your cards, and more. Additionally, members can call or text our local Service Center at 231.946.7090 Monday-Friday, 8am to 6pm.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. TBA Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.