COVID-19 Revision

COVID-19 Updates

Meeting your needs while addressing the health concerns of our members, our staff and our community.

Updated January 19, 2021

Recent Updates

Ft. Wright branch lobby is temporarily closed.
Drive thru remains open. (1/7/21)

Second Stimulus Payments

The IRS has started to deliver the second round of stimulus payments. If you have questions concerning your payment, eligibility, or timing of your payment, please visit IRS.gov/getmypayment. (Note: Cinfed does not have access to this information).

To see if your direct deposit payment has processed, view your account balance via online banking or our mobile app. The funds will be listed on your account as a deposit and will include "IRS" in the description.

The COVID-19 pandemic continues to present challenges to all of us, especially given the recent increase in cases in our local communities. Cinfed is working diligently to ensure the safety and health of our members and staff.

With everyone’s health a priority, Cinfed employees are required to wear masks or other facial coverings, maintain six feet of social distance whenever possible, wash or sanitize their hands regularly, and self-assess their health before reporting to work each day. No employee is permitted to come to work if they have known symptoms of COVID-19. There are additional cleaning protocols in place to ensure high-touch areas are sanitized multiple times each day.

If we learn that one of our branches has had possible exposure to COVID-19, we may temporarily close the location out of precaution, and reopen once it has been determined safe to do so.

We continue to ask you to comply with all current safety guidelines and regulations as mandated by the state of Ohio and Commonwealth of Kentucky, including the wearing of masks or facial coverings when visiting our lobbies.

You can use our drive thrus, ATMs/ITMs, online banking or mobile app, and mobile deposit to complete your transactions from the safety of your home or car. Most lending needs can be completed online or by phone.

If you have questions, call Cinfed’s Member Services department at 513-333-3800 or click here to learn more about our online banking services.

Due to the continued elevation of COVID 19 cases in our region, beginning on Monday, November 2, our branch lobbies will be open by appointment only. Our drive-thrus remain open, and our ATMs and ITMs remain active and available. Of course, you can complete transactions any time using our digital services such as Online Banking and the Cinfed Mobile App.

To schedule an appointment, click here. You will choose a convenient branch, then submit an online form that includes:

  • your contact information
  • the reason for your visit
  • the dates and times available

You will then receive an email message that confirms your appointment details. You will also have the option of receiving notification via text.

COVID precautions must be followed with any visit to a branch, including wearing a mask, checking your temperature beforehand, and being symptom-free.

Schedule an appointment

Under the current conditions, we recommend optimizing the use of our digital tools. As a Cinfed member, you have numerous secure options for accessing your account and conducting transactions.

Through Online Banking and the Cinfed Mobile App, you have 24/7 access to variety of options for convenient and secure account management:

If you aren’t already using these services, you can easily enroll here.

Tips for Managing Your Finances

The COVID-19 pandemic has required changes to the ways you manage and view your accounts. Here some tips, ideas, and insights from Cinfed for meeting these new challenges and making the most of your finances:

Our Contact Center (513-333-3800) can also answer your questions and assist with managing your accounts. We anticipate a high volume of calls to our Contact Center and are increasing available staff. Should you receive an on-hold message, we encourage you to leave your call-back number and a representative will follow up with you as soon as possible.

Our partner, Saxon Financial Services, will continue to offer personal consultation by phone or personal meetings by appointment only. Contact Brian Bushman at 513-333-3901 or Kevin Hagerty at 513-333-3886.

If you have a mortgage closing scheduled, you will be contacted directly by one of our mortgage professionals.

Thanks to the loyalty and support of our members, Cinfed is currently in the strongest financial condition of our 85-year history. Based on that strength, we are continually working to find the best ways to meet our members' needs - particularly during these challenging times.

Cinfed is a federally insured institution. "Federally insured" means that the safety of deposits is assured by the National Credit Union Administration (NCUA) and affirms that the participating credit union is a safe place for members to put their money.

All deposits at federally insured credit unions are protected by the National Credit Union Share Insurance Fund, with deposits insured up to $250,000 per individual depositor. Credit union members have never lost a penny of insured savings at a federally insured credit union.

Cinfed members exceeding the maximum level of coverage provided by NCUA are insured up to an additional $250,000 by the Excess Share Insurance Corporation (ESI). Cinfed added this benefit to help ensure complete coverage for our members and provide them with peace of mind, knowing their deposits are insured and safe. Click here for information about insured savings.

Cinfed was founded with the goal of helping our members protect and grow their personal finances. You can use Cinfed's resources with confidence knowing that data security is a top priority for Cinfed. Remember that we will never contact you for your social security number, account number or password by phone, email or text.


As the economic impact payments (stimulus checks) have been delivered over the past few weeks, questions have arisen. One of the most common questions is: if the recipient is deceased, does the payment need to be returned? The answer is “yes,” and the return should be completed as soon as possible.

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.

For your paper check, here are the IRS mailing addresses to use based on the state:

  • For Indiana and Ohio residents:

Kansas City Refund Inquiry Unit
333 W. Pershing Rd.
Mail Stop 6800, N-2
Kansas City, MO 64108

  • For Kentucky residents:

Atlanta Refund Inquiry Unit
4800 Buford Hwy
Mail Stop 112
Chamblee, GA 30341

For additional details on economic impact payments, visit the official IRS web page at https://www.irs.gov/coronavirus/economic-impact-payments.

Contact Us

We remain committed to providing you with the financial services you need while protecting the health and well-being of our members, employees and community.

For questions regarding account maintenance, or if you experience financial difficulties due to COVID-19, contact our Member Services Department at (513) 333-3800. Should you receive an on-hold message, we encourage you to leave your call-back number and a representative will follow up with you as soon as possible.
For additional guidance and resources:


Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
— Tim Grabenstein
I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
— Melanie
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin
I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
— Andreya T Williams
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily’s customer service was excellent. Emily is a great... 
— Johnnie Bush
I met Emily Snyder because I had a flat tire in the parking lot of Cinfed Credit Union. I didn’t know what to do and she offered to help me. It was late in the evening and I didn’t think anyone... 
— Cindy Hyatt
Emily Snyder took care of setting up a consolidation loan for me on Saturday. She was very friendly, professional, and explained very articulately all the steps involved. Emily also opened a new... 
— Sally A Arbogast
I recently closed for a car loan and a credit card with Susan Z. Her service was excellent. We closed in a couple of days. She was so helpful with her knowledge. It was a pleasure to deal with her.
— Glenda Adkins

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