1.  Is my money safe at Sun Community?

We understand there is a great deal of uncertainty regarding COVID-19. In times like these, a natural reaction may be to withdraw your cash and secure it somewhere in fear that you will not be able to access your money. We cannot emphasize enough how dangerous it is to withdraw large amounts of cash to store in your home or elsewhere. The safest way for you to protect yourself and your money is to leave it securely deposited at your credit union, where your funds are federally insured.

  1. Are your branches open with regular business hours?

For effective and efficient operations and the safety of our employees and members during this time, we are temporarily reducing open branch locations. Please visit our branch information page to find out more.

  1. How will I know if any of your branches close or change their hours?

Changes and updates on how we are responding to the evolving COVID-19 situation will be communicated on our website at and through our social media pages on Facebook and Instagram.

  1. What are you doing at your branches and offices to keep members and your own employees protected from the spread of Coronavirus?
  • We have worked with our janitorial service to increase and enhance their services.
  • We have educated our employees with the information they need to stay healthy or stay home if they are feeling ill.
  • We have placed hand sanitizers throughout our branches and are sterilizing surfaces throughout the day.
  • We will be reserving the first business hour of every weekday in our Imperial Valley locations (Monday – Friday 9 am to 10 am) for our most vulnerable members, including those over 65 years old, pregnant women or those defined by the Centers for Disease Control and Prevention (CDC) as vulnerable or at-risk. Branch entrance monitoring will be in place.
  • We will begin monitoring lobby traffic to follow CDC and Government recommendations including social distancing. You may be asked to wait outside if the lobby is full. Please review all branch signage and markers to allow for social distancing.
  • In order to reduce lobby traffic, as of Monday, March 30th, your Non-Teller related in-person service needs will be by appointment only. Appointments can be made by visiting our website at or calling our Contact Center at 760-337-4200
  1. With travel restrictions and social distancing in place, how can I access my accounts?
  • Online Banking—If you don’t have an account, you can create one by using the “Enroll in Online Banking” link on our website. You can use Online Banking to review your accounts, transfer funds, make payments and pay bills to outside vendors.
  • Mobile Banking—You can bank from the safety of your smart phone when you download our Sun Community Mobile Banking app. You will need to enroll in Online Banking first in order to use Mobile Banking and use the same User ID and Password you created with Online Banking.
  1. I’m experiencing financial challenges – how can you help me?

If you experience any financial hardship or difficulty making your Sun Community loan payments as a result of COVID-19 please visit our Financial assistance page  to learn how we might be able to help.  

  1. If your branches are closed, how can I get cash? Your debit card allows you options to purchase goods and access cash without visiting the branch.
  • ATM —Use an ATM at one of our branch locations or at a CO-OP Shared Branching location for simple transactions like withdrawing, depositing, or transferring funds.
  • Merchant Cash Back—Many retailers, such as grocery stores, and larger box stores, like Walmart, offer cash back from your account when you use your debit card to make a purchase. This is a quick and easy way to get cash from your account.
  • Apple/Samsung/Google Wallet - Set up your Sun Community debit card in your Apple, Samsung or Google wallet, so you don’t have to carry cash or your card with you to make purchases.
  1. How do I deposit a check if I do not have access to a Sun Community branch?

Mobile Deposit Capture— This feature, within our Mobile Banking app, allows you to deposit checks with your phone or tablet by using your camera. Just take a picture of your paycheck, Social Security check or another type of check and deposit it into your account using Mobile Deposit Capture.

ATM Deposit- Locate a CO-OP network ATM that takes deposits, and you can deposit cash or check directly to your account.

  1. What are the usage limits on my Sun Community debit card?

The daily limit is:

Pin purchase - $800
Signature purchase - $2500
ATM withdrawal - $500

  1. How do I access Bill Pay?

You can access Bill Pay though your account via Online or Mobile banking.

  1. Can I still apply for a loan?

Yes, we recommend you call our Contact Center at (760)337-4200 or apply directly online so you don’t have to leave your home, just follow the links in our website. If you feel the need to apply at our branch, you can use the Book Appointment button above to schedule an appointment and visit our nearest available branch.

  1. When will I receive my IRS Stimulus Payment?

Although Sun Community cannot provide information regarding the timing or amount of a potential payment, you can check the status of your payment by visiting the IRS site here.

  1. How will I get my payment?

If you used direct deposit to get your tax refund in 2018 or 2019, the IRS will direct deposit your stimulus check into that account. If you did not use direct deposit in 2018 or 2019, the IRS has developed this portal for you to give them your bank information. If you did not use direct deposit for your 2018 or 2019 tax return and don’t input your information, you will receive a check in the mail.

In the case you didn’t file your taxes for 2018 or 2019, you may still be eligible to receive a stimulus payment, visit the IRS site for more information.

  1. Will the IRS call me to get personal information to process my payment?

The IRS will never call, text, or email you for personal information. The Federal Bureau of Investigation (FBI) and several state Attorney General offices are warning that the hackers are looking for ways to get your money. Never give out information over a call or through text or email to avoid having your information compromised.

  1. Where can I find more information on the Stimulus Payments?

There is more information available on the IRS Newsroom page or the IRS Coronavirus page. These two resources are updated frequently with new information.

  1. What websites can I visit to get official information on COVID-19?

Imperial Valley-

Coachella Valley-

US Centers for Disease Control and Prevention -

California Department of Health-

World Health Organization -


  1. What types of scams should I be watching for? Scammers are taking advantage of fears surrounding the Coronavirus and current market volatility. The FTC and SEC have published tips to avoid these types of scams:
  •  Avoid online offers for coronavirus-related vaccines, treatments, or cures; they aren't legitimate.
  •  Be wary of individuals or illegitimate organizations asking for money for coronavirus victims, or for disease research, especially if they want cash, gift cards, or wires.
  •  Watch for emails, phone calls, and text messages claiming to be from the U.S. Centers for Disease Control and Prevention (CDC) or the World Health Organization (WHO) saying they have new information about the virus. For the most up-to-date information, visit the official websites for the CDC ( and the WHO (
  •  Don’t give out your personal information, such as bank account and social security numbers during any type of phone call. The IRS or government will never ask for that information over the phone.
  • Ignore phone calls or emails from strangers urging you to invest in a hot new coronavirus stock. Don’t let anyone rush you or pressure you into making important financial decisions.
  • Don't download files or open attachments from unexpected emails, even if the email address looks like a company or person you recognize. Be wary of links from unfamiliar companies.
  •  If you think you have been scammed, file a consumer complaint on the Federal Trade Commission ( website.