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Coronavirus Readiness Update: We Are Here For You!


Update 7/3/2020

The Satyr Hill Branch lobby will reopen on Saturdays beginning 7/11/2020.  Until then, the branch and the Drive-thru are open Monday through Friday during normal business hours.  We will be closed 7/4/2020 in observance of Independence Day.

Update 7/1/2020

The Satyr Hill Branch lobby is now reopened Monday - Friday during normal business hours.  The Drive-thru remains open on Saturdays, but will be closed for the 4th of July this week.  The Northwest Hospital Branch will reopen for hospital employees only on 7/6/2020.

Update 6/30/2020

Due to staffing issues, the Northwest Hospital Branch will be closed July 1 - 3, 2020.  It will reopen on 7/6/2020 for hospital employees only. Our Parkville Branch is back open for normal business.

Update 6/26/2020

We have been notified of a potential COVID exposure. The safety of our staff and our members is our top priority; therefore the lobby at the Satyr Hill Branch will be closed until further notice. We are taking steps to sanitize the branch for reopening.

Please access the Credit Union through our remote channels and the drive-thru (see our hours of operation).

As we continue to serve you at our Satyr Hill Branch location during regular business hours, 6-days a week, utilizing our drive-thru and ATM lanes, we continue to operate business as usual.  For additional ways to communicate with us please see alternative options listed below:

Contact Information: 

Member Service [email protected]
Lending Staff: [email protected]
Call Center: 410-663-2500 Option #5

Routine Transactions

Getting Cash: Visit any surcharge-free ATM in our network and use your Debit Card.  You can find the closest one to you by clicking on “Find A Branch/ATM” from our website or on the mobile app.  You can also get cash back from your debit card purchases at most grocery stores when using a PIN (as opposed to signing for your purchases). The daily dollar limit on PIN purchases is $500, so keep that in mind if you are getting cash back.

Checking Balances, Transactions or Transferring Money: Use Online or Mobile Banking to accomplish these easy tasks.   If you are not yet set up for these services, give us a call at 410-663-2500 Option #5.  If you don’t have a computer or smartphone, you can also use our automated Telephone Banking by calling 410-663-2500 Option #3.

Making Check Deposits: Use our mobile app with mobile check depositing capability. When making mobile deposits, the payee on the check must be on the account that you are depositing to and it must be properly endorsed: signature plus “For Mobile Deposit Only DCU.” If it is not endorsed properly it may be rejected.

You may also use our night depository found on the side of our branch building near the ATM. Place your check(s) in an envelope and write your name, account number, and specific deposit instructions on the outside of the envelope.

Making Cash Deposits: We prefer that you use the night depository to keep the lines in the drive-thru down to a manageable level.   All night deposits are opened with dual staff controls to the accuracy of your deposit.  Again, make sure to include your name and account number, plus any specific instructions as to which account the money should be deposited to.

Night Depository Box: The night depository box is being checked several times throughout the day to ensure same day deposit of anything that is placed in the box during normal business hours. In addition, you may use the night depository box if you have documents that need to be dropped off to the Credit Union.

Drive-Thru: The drive-thru is currently operating with two full-time tellers during normal operating hours.  To avoid waiting you may consider alternative methods of access listed in this update.

Update 6/19/2020

On June 22, 2020 our branch lobby will resume normal hours of operation Monday through Friday:

Monday-Thursday: 8:30 AM - 3:00 PM
Friday: 8:30 AM - 4:30 PM
Saturday: Lobby Closed - Drive - Thru Open  8:30 AM - 1:00 PM

Requirements to enter the lobby will remain the same (See in previous update)

Our Northwest Hospital Branch is open and at this time will continue to service Hospital Employees ONLY.
.

 

Update 6/11/2020

The lobby at our Satyr Hill Road location will re-open with modified hours on
Monday June 15.
 
The modified lobby hours will be:
Monday - Friday - 10:00 am to 2:00 pm
Saturday - Lobby Closed - Drive -Thru Only
Drive - Thru: Normal Business Hours Monday - Saturday
 
To ensure the safety of our members and employees, we have installed plexiglass shields at all teller windows and offices.
 
Additional safety measures will be implemented to include the following:
 
  • Limiting the number of members entering the lobby at one time
  • Identification will be verified upon entrance
  • Requiring masks be worn
  • Requiring a temperature check and the completion of a short questionnaire
  • Using floor markers to designate safe social distancing while standing in line
 
We encourage you to continue to utilize our Drive – Thru lanes during normal business hours as well as our electronic banking services for routine transactions.
 
Our Northwest Branch will re-open on Monday, June 15 to Hospital Employees Only.
Please abide by all hospital rules and regulations before entering the credit union office. Masks must always be worn .

 
Thank you for your patience as we continue to adjust to the new normal.

 

Update 5/22/2020

Here at Destinations Credit Union the safety of our members is of the utmost importance to us. As a business providing an essential need to the local and surrounding communities, we want to make sure you are safe and comfortable coming back into the branch when the lobby reopens. At this time, both our Satyr Hill Road lobby and Northwest branch will remain closed. Please continue to utilize the Drive-thru lanes at our main branch for all your banking needs. 

We appreciate your cooperation throughout the COVID-19 restrictions. Please be patient and respectful to each other and to employees as we all navigate our way through these trying times.

 

Update 4/15/2020

We remain open for our members (see our hours of operation).  Although the ways you access the Credit Union may have changed, we are here for you!  This article is meant to assist you in getting through to accomplish what you need to manage your money, and to give you helpful information to avoid scams and stay safe.

As we continue to serve you at our Satyr Hill Branch location during regular business hours, 6-days a week, utilizing our drive through and ATM lanes, we continue to operate business as usual.  For additional ways to communicate with us please see alternative options listed below:

Contact Information: 

Member Service [email protected]
Lending Staff: [email protected]
Call Center: 410-663-2500 Option #5

Loan Payment Constraints:

During the COVID-19 crisis, if you are experiencing financial hardship due to layoffs, etc. please contact us in our efforts to address your circumstance.  We have formed a “Loss Mitigation Committee” who will review each individual member’s situation case-by-case.  You may be asked to provide additional supporting information during this process.

If your income has not been affected but you are experiencing difficulties making your payments, we urge you to contact our HOPE Inside Financial Wellbeing Coach, Yolanda Hobbs.  She can be reached at [email protected] or by calling 301-664-4384.  Please also let Destinations Credit Union know what your issues are.  It is always better to keep Destinations CU informed of any interruption in your financial circumstance as soon as possible to work together for an acceptable solution.

Actively Awaiting your Loan Requests

We continue to offer our full suite of loan products upon request.  The easiest way to apply is online.  We will prepare the documents for electronic signature and send them out to you for eSignatures.  For those members without electronic access, we have alternatives ways to have you sign, once your loan is approved.  Please contact our lending department for guidance.

Routine Transactions

Getting Cash: Visit any surcharge-free ATM in our network and use your Debit Card.  You can find the closest one to you by clicking on “Find A Branch/ATM” from our website or on the mobile app.  You can also get cash back from your debit card purchases at most grocery stores when using a PIN (as opposed to signing for your purchases). The daily dollar limit on PIN purchases is $500, so keep that in mind if you are getting cash back.

Checking Balances, Transactions or Transferring Money: Use Online or Mobile Banking to accomplish these easy tasks.   If you are not yet set up for these services, give us a call at 410-663-2500 Option #5.  If you don’t have a computer or smartphone, you can also use our automated Telephone Banking by calling 410-663-2500 Option #3.

Making Check Deposits: Use our mobile app with mobile check depositing capability. When making mobile deposits, the payee on the check must be on the account that you are depositing to and it must be properly endorsed: signature plus “For Mobile Deposit Only DCU.” If it is not endorsed properly it may be rejected.

You may also use our night depository found on the side of our branch building near the ATM. Place your check(s) in an envelope and write your name, account number, and specific deposit instructions on the outside of the envelope.

Making Cash Deposits: We prefer that you use the night depository to keep the lines in the drive-thru down to a manageable level.   All night deposits are opened with dual staff controls to the accuracy of your deposit.  Again, make sure to include your name and account number, plus any specific instructions as to which account the money should be deposited to.

Night Depository Box: The night depository box is being checked several times throughout the day to ensure same day deposit of anything that is placed in the box during normal business hours. In addition, you may use the night depository box if you have documents that need to be dropped off to the Credit Union.

Drive-Thru: The drive-thru is currently operating with two full-time tellers during normal operating hours.  To avoid waiting you may consider alternative methods of access listed in this update.

Other Member Service/Loan Needs:  If there is no other way to complete your business with the Credit Union, we are making appointments for lobby access by calling 410-663-2500 Ext. 110.

Resources for Information

First and foremost, get medical information from the Centers For Disease Control.  There is a lot of false information circulating on social media, so verify your information with the experts.  In addition, if you see news reports that you are not sure whether to believe https://www.factcheck.org/ is a non-political, non-partisan organization that digs into the facts on claims made in the media or by officials to determine what is true.

Visit Destinations Credit Union’s Blog for helpful information about various topics related to the virus/lockdown:

Complete Glossary Of Financial Terms Related to COVID-19
The CDC Recommends Face Coverings
How To Care For Your Car During Lockdown
Tax Deadline Delayed
Stuck At Home? Spend Your Time Productively
Fun Activities To Do With Your Kids At Home
Beware of Coronavirus Scams

Avoiding Coronavirus Scams

Fraudsters have been quick to deploy scams involving the coronavirus stimulus package that would include direct payments to individuals and married couples filing jointly. Many variations of the scam could impact you.

Details

Fraudsters haven’t wasted any time with scams related to the coronavirus. In response to the federal stimulus package, the Better Business Bureau (BBB) reported that fraudsters have deployed a variety of scams involving coronavirus stimulus checks. The BBB Scam Tracker has received several reports of coronavirus scams where individuals are contacted through text messages, social media post /messages, or phone calls.

One version of the scam targets seniors through a Facebook post informing them that they can get a special grant to help pay medical bills. The link within the post takes them to a bogus website claiming to be a government agency called the “U.S. Emergency Grants Federation” where they are asked to provide their Social Security Number under the guise of needing to verify their identity. In other versions, fraudsters claim individuals can get additional money – up to $150,000 in some cases. The victims are asked to pay a “processing fee” to receive a grant.

In North Carolina, there are several reports of a coronavirus scam in which potential victims received phone calls. Fraudsters told the victims they qualified for a $1,000 to $14,000 coronavirus stimulus payment; however, they must first pay a processing fee.

Coronavirus direct payments will likely be in the form of direct deposits or through U.S. Treasury checks. Fraudsters may look to seize this opportunity to create counterfeit U.S. Treasury checks to use in their scams. Knowing when the stimulus checks will be issued, fraudsters could steal U.S. Treasury checks out of the mail and attempt to cash them at a bank or credit union after opening an account. This was a common occurrence in the aftermath of Hurricane Sandy as fraudsters counterfeited and forged U.S. Treasury checks representing the Federal Disaster Assistance checks.

There are many other scams out there – from fake N95 masks and miracle cures to fake Healthcare organizations and funding schemes.  Here are some resources for you:

In addition to the Scam article on our Blog (see above), the Federal Trade Commission has a lot of information about various scams that have surfaced around the pandemic:

https://www.consumer.ftc.gov/blog/2020/04/coronavirus-checks-flattening-scam-curve

https://www.consumer.ftc.gov/blog/2020/04/ftc-sends-more-warnings-sellers-scam-coronavirus-treatments

https://www.consumer.ftc.gov/blog/2020/04/looking-work-after-coronavirus-layoffs

https://www.consumer.ftc.gov/blog/2020/04/scammers-are-using-covid-19-messages-scam-people

https://www.consumer.ftc.gov/blog/2020/04/avoiding-ssa-scams-during-covid-19

https://www.consumer.ftc.gov/blog/2020/04/avoid-scams-while-finding-help-during-quarantine

 
Update 3/31/2020
 
Coronavirus Stimulus Scams Surface Targeting Members
 
Fraudsters have been quick to deploy scams involving the coronavirus stimulus package that would include direct payments to individuals and married couples filing jointly. Many variations of the scam could impact you.
 
Details
 
Fraudsters haven’t wasted any time with scams related to the coronavirus. In response to the federal stimulus package, the Better Business Bureau (BBB) reported that fraudsters have deployed a variety of scams involving coronavirus stimulus checks. The BBB Scam Tracker has received several reports of coronavirus scams where individuals are contacted through text messages, social media post /messages, or phone calls.
 
One version of the scam targets seniors through a Facebook post informing them that they can get a special grant to help pay medical bills. The link within the post takes them to a bogus website claiming to be a government agency called the
“U.S. Emergency Grants Federation” where they are asked to provide their Social Security Number under the guise of needing to verify their identity. In other versions, fraudsters claim individuals can get additional money – up to $150,000 in some cases. The victims are asked to pay a “processing fee” to receive a grant.
 
In North Carolina, there are several reports of a coronavirus scam in which potential victims received phone calls. Fraudsters told the victims they qualified for a $1,000 to $14,000 coronavirus stimulus payment; however, they must first pay a processing fee.
 
Coronavirus direct payments will likely be in the form of direct deposits or through U.S. Treasury checks. Fraudsters may look to seize this opportunity to create counterfeit U.S. Treasury checks to use in their scams. Knowing when the stimulus checks will be issued, fraudsters could steal U.S. Treasury checks out of the mail and attempt to cash them at a bank or credit union after opening an account. This was a common occurrence in the aftermath of Hurricane Sandy as fraudsters counterfeited and forged U.S. Treasury checks representing the Federal Disaster Assistance checks.

Visit our blog for additional information on scams surrounding COVID19.


Update: March 25, 2020

If you are facing financial difficulties as a result of the coronovirus, we have some resources available.

HOPE Inside

While not actually seeing clients in person, our financial wellbeing coach, Yolanda Hobbs, is meeting with people by telephone.  Her number is 301-664-4384.  In addition, Operation HOPE has some very robust resources for emergency situations that can be viewed here.

Destinations Credit Union Loans

If you are having trouble making loan payments with us, please call and speak to our loan officers and/or collections manager.  We want to help and may be able to come up with alternatives for you.

Beware of Croronavirus Scams

Visit our blog to read up on how to spot these despicable scams and avoid compromising your personal information or losing money.


Update: March 20, 2020

Destinations Credit Union Coronavirus (COVID-19) Member Update 3/20/2020 – Remaining Open With Branch Access Changes

The health and well-being of our employees and members is paramount during these uncertain times as we are encouraged to implement social distancing. Just as important, however, is our commitment to serve the financial needs of our members and be accessible when needed. We believe we have found a safe balance to both of those as we implement some temporary changes to our branch access and operations.

Government and health officials have mandated that interactions be limited to no more than 10 people. These are unprecedented times that require us all to do our part to protect one another.

Effective Monday, March 23, 2020 the Northwest Hospital Branch will be closed.  At the  Main Office, the branch lobby will be closed until further notice. This impacts walk-in lobby access only. Our drive-thru will remain open and accessible during normal branch operating hours. Our branch and back-office remain fully staffed, though some may be working remotely. The branch team will provide additional support to our call center operations to ensure any increased volume of phone call activity is adequately handled. They will also assist our lending team to support online application processing, and support members with digital banking needs.

Alternative Access Options

We strongly encourage you to use Destinations Credit Union’s remote access services. Nearly all your routine banking activities can be accomplished using: Online Banking with optional Bill Pay: Mobile Banking with mobile deposit capability: and our automated telephone transaction system, CUTalk,  

ATM access continues to be available for any cash needs. Members can use the Destinations Credit Union ATM or any within our surcharge-free network. For any purchase needs, your Destinations Credit Union Debit and/or Credit Cards are accepted nearly everywhere, in-store and online.

Members who are not comfortable using the digital banking solutions are encouraged to use the Call Center at 410-663-2500 (Option 5) and speak with a member service representatives who can assist you with your banking needs.

If we determine that there is no other way to accomplish what you need to do with the Credit Union, we will be making appointments for lobby access by calling 410-663-2500 ext 110.  Do not make an appointment if you have a fever, cough, respiratory difficulties, have travelled or been exposed to someone with the virus.

Focused On Everyone’s Well-Being

It is our mission to help our members improve their financial lives will continue to do so while ensuring everyone’s safety and well-being. We are confident that we can do our part to join in the public efforts to distance ourselves to slow the spread of the virus, while also ensuring uninterrupted access to the support and financial well-being we deliver to our members.

We will remain flexible throughout these difficult times and continuously evaluate how we can best serve our members’ needs. We encourage you to stay connected with us for further updates as we share them. Our team is being proactive to begin outlining ways we may support our members who may begin to face financial hardships as a result of this pandemic. While those plans are still in review, we encourage anyone that is facing current financial hardships as a result of the coronavirus to reach out and speak with a Destinations Credit Union Loan Officer at 410-663-2500 (Option 5). We are in this together and will come out of it stronger than before. We appreciate our members’ support through these unprecedented times.

Sincerely,
Destinations Credit Union


Original Post: 3/17/2020

We Are Open: Coronavirus (COVID-19) Update 3/17/2020

Due to the ever-changing situation, we will provide updates as needed on the website and on our Facebook page.  The Credit Union is here to serve your financial needs and will remain open.  We do ask that you think about limiting in-person contact as much as possible, for your own safety as well as our staff.  Please consider the following:

  • If you need to make routine teller transactions, please use the drive-thru instead of entering the branch.
  • If you must come into the branch, please respect “social distancing” as recommended by health and government officials – try to leave 6 feet between you and other people.
  • Use online channels as much as possible – online banking and bill payment, mobile banking with mobile check depositing, online loan applications, and online membership applications. If you do not know your online credentials, please call now to get things set up.
  • Use our surcharge-free ATM locations to make withdrawals.  You can find the closest one with the link at the top right side of our home page “Find A Branch/ATM” or from the mobile app.
  • Use the automated telephone teller, CUTalk, 410-663-2500 Option 3.
  • Use the Call Center – 410-663-2500 Option 5.

Beware of scams!  Destinations Credit Union will never ask for your personal information over the phone (unless you call us) or via e-mail. The scammers are taking full advantage of people’s fear and uncertainty.  Carefully check before you click and never provide personal information unless you have initiated the contact.

Financial Coaching: Our HOPE Inside Financial Wellbeing Coach, Yolanda Hobbs, can be reached a 301-664-4384. For the time being, all meetings will be held via telephone.

Northwest Hospital Branch Access: As reported earlier, members who are not employees of Northwest Hospital will not be allowed into the Hospital, so please do not use that branch unless you are employed there.

The Annual Meeting, originally scheduled for Thursday 3/19, is postponed.  The meeting will be rescheduled and notification will be sent to all members.

 

 

Original Post 3/13/2020

Annual Meeting Postponed and Northwest Hospital Restricted

Annual Meeting Postponed

Following the guidance of public health officials, Destinations has decided to postpone the Annual Meeting, originally scheduled for 3/19/2020. We will monitor the situation and reschedule the meeting as soon as possible.

Northwest Hospital Access Restricted

Lifebridge Health has announced that no visitors will be allowed into their hospitals as of today. That means that non-hospital employees will not have access to the Northwest Hospital Branch until further notice.

Destinations Credit Union offers members many convenient service channels such as online banking , mobile banking with mobile deposit, ATMs , and telephone banking , which do not require a branch visit. Please help us by reducing physical contact and do not visit a branch lobby if you are ill, have been exposed to the virus, or recently traveled outside of the country. 

 

Original Post 3/12/2020

Destinations Credit Union’s Response to the Coronavirus

 

Destinations Credit Union’s primary concern is the health and safety of our members and staff. We are actively monitoring the Coronavirus (COVID-19) and following guidance from state and federal agencies, including the  Centers for Disease Control .

Please be reassured that Destinations has detailed action plans to help avoid service disruption to our operations. We have taken additional steps to disinfect our lobbies and other member spaces, while reinforcing healthy habits for our team members by providing hand sanitizers and antibacterial soap for handwashing.

Destinations Credit Union offers members many convenient service channels such as online banking , mobile banking with mobile deposit, ATMs , and telephone banking , which do not require a branch visit. Please help us by reducing physical contact and do not visit a branch lobby if you are ill, have been exposed to the virus, or recently traveled outside of the country. 

If you haven’t already, now is a great time to adopt the electronic services we offer, including mobile check deposit, automatic bill pay, online loan payments, and direct deposit.

As always, Destinations Credit Union appreciates the trust you place in us as your financial partner and we’re committed to your financial wellness. Please check our website and Facebook Page for additional information as it develops.

Sincerely,

Brian J. Vittek

President/CEO

Additional Resources:

Tips on how to stop the spread of germs.

 

Original Post 3/12/2020

Northwest Hospital Branch Access

Credit Union members must go through the front entrance of Northwest Hospital and be prescreened before gaining access to the Credit Union Branch. This has been dictated by the Lifebridge Health System as a precaution against the spread of the Coronavirus. 

From the Daily Record:

Maryland hospital systems have put in place more stringent visitor policies that include restrictions on child visitors and visitors who have recently traveled internationally.

“The coronavirus disease poses several challenges to an extended family presence at a patient’s bedside including potential spread of the virus to patients and staff by those with asymptomatic or mild infection,” David Marcozzi, the system’s COVID-19 incident commander, said in a statement. “Enacting these changes to visitation is consistent with recommendations from the Centers for Disease Control and Prevention regarding response to the coronavirus.”

UMMS and LifeBridge Health made changes, effective Wednesday. Their changes include:

  • All visitors must check in at the front desk;
  • No visitors younger than 18 are permitted in hospitals, ambulatory clinics or urgent care facilities;
  • One adult visitor per patient;
  • Visitors will be screened for flu-like symptoms and cannot visit if they have symptoms;
  • Visitors who recently traveled internationally may not visit 14 days after they arrive in the U.S.