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Information on our response to COVID-19

Ways First U.S. is Helping Members

As of April 3, 2020 2:00 p.m

To help you and your family during this trying time, First U.S. has a variety of programs and offers available through April 30, 2020. Visit or contact a Member Service Representative at (800) 556-6768 for more information or to get assistance.

  • Loan Payment Deferrals – To help individuals and families experiencing financial strain from the pandemic, loan deferrals are available upon request for existing consumer loans, credit cards, home loans, and business loans. Late fees on deferred loans will be waived, and the deferment won’t affect your credit.
  • Service and Account Fees – Staff is working with pandemic-related fee waiver requests, and waiving loan deferment and Skip-A-Payment fees.
  • Early Skip-A-Payment – Our popular Skip-A-Pay program is being offered early on select loan types beginning in April. To help even more, we’re also waiving the regular Skip processing fee.
  • Low Rate Personal Loans – If you find yourself in need of extra cash in these unprecedented times, we’re here to help with a personal loan with special low rates and no application or processing fees. The funds can be used for anything you need or want.
  • Easing Limited Withdrawal Access – We’re temporarily suspending enforcement of regulatory withdrawal restrictions on savings accounts, money markets, and other non-checking accounts to better accommodate Online and Mobile Banking transactions.
  • For our Business Members – First U.S. is an SBA lender and is participating in the new federal Paycheck Protection Program, with loans available to current business members. We’re also supporting local businesses with deferments on existing First U.S. business loans. Contact our Business Development Officer, Bob Miller, directly for information or assistance at (916) 576-5679.

Visit for more information, or talk with a Member Service Representative at (800) 556-6768 today.

Information on our response to COVID-19

Temporary Branch Closures

As of April 2, 2020 1:00 p.m.

Effective Monday, April 6th, our University branch, at 580 University Avenue will close temporarily. This is in addition to the Downtown branch temporary closure. The ATMs at both locations remain available for your use, 24-hours-a-day.

Our branch staff will still be working by helping to cover member phone calls. This helps us to better serve members by supporting increased member phone volume over decreasing lobby transactions. We appreciate your patience as we all continue to do our part to help prevent the further spread of COVID-19.

The closest Sacramento branch is Watt Avenue. And we are here to serve you in a variety of other ways, through Online Banking, Mobile Banking with eDeposits from your phone, CO-OP Shared branches and ATMs, and through our Contact Center at (800) 556-6768.

Emergency Relief

As of March 31, 2020 12:00 p.m.

For those experiencing financial strain caused by the pandemic, we’re offering loan payment deferrals on consumer loans, credit cards, home loans, and business loans upon request through April 30, 2020. Contact a Member Service Representative at (800) 556-6768 for more information.

Fee Waivers

As of March 27, 2020 12:00 p.m.

To best serve all of our members, we are available to discuss pandemic-related fee waiver requests. Contact a Member Service Representative at (800) 556-6768 for more information.

Transactions Limited by Regulation D

As of March 27, 2020 12:00 p.m.

We are temporarily suspending the system restrictions that prevent more than six transactions on non-checking accounts, to allow for easier account management through Online Banking and our Contact Center. Regulation D limits the number of certain types of electronic and phone transactions for savings accounts, money markets, and other non-checking accounts.

Helping You Stay Connected

As of March 27, 2020 12:00 p.m.

First U.S. branches and our Contact Center remain open to serve you. As we are all doing our part to limit person-to-person interactions, we wanted to remind you that there are a number of other FREE and no-cost ways to bank remotely, and whenever you need it.

  • Online and Mobile Banking give you 24-hour access to transfer funds, verify balances, request checks, make person-to-person payments, and reorder checks online

  • Deposit checks by phone with our Mobile Banking app for iPhone and Android – links to the app are on the homepage at

  • Bill Pay lets you pay your regular and one-time household expenses electronically, without having to write out checks and mail envelopes

  • Apple Pay® allows you to avoid passing your cards to pay for goods and services – tap to pay instead when you load your First U.S. debit and credit card to your digital wallet on all major Pay applications, including Google Pay® and Apple Pay

Protect Yourself From COVID-19 Related Scams

As of March 19, 2020 3:00 p.m.

To help keep you safe and informed during this health challenge, we wanted to share some tips from various federal agencies. Scammers are actively trying to take advantage of people during this outbreak, so please remember to use caution and stay alert online, on the phone, and when texting.

  • The Federal Trade Commission and U.S. Food and Drug Administration have sent letters to companies, “allegedly selling unapproved products that may violate federal law by making deceptive or scientifically unsupported claims about their ability to treat coronavirus…”
  • Ignore online offers for treatments, cures or vaccines
  • The best way to protect yourself against malicious websites is to install antivirus software on all your devices and to keep it up to date.
  • Be careful about emails or texts claiming to be from the Centers for Disease Control (CDC) or World Health Organization (WHO). The best way to get the most up-to-date information is to visit their individual websites.
  • Don’t click links on texts or emails from individuals you don’t know. First U.S. will never contact you by text or email and ask you to provide private information like your Personal Identification Number or Social Security Number. If you need to verify a call or contact as legitimate, hang up or delete the message and contact us at (800) 556-6768.
  • Be careful when considering donation requests through unknown, or even known charities or crowdfunding sites. You should not feel pressured to make a donation, ever, and if someone wants donations by wire, gift card, cash, or asks you for credit card numbers, don’t do it.
  • If you are considering donations to a group or cause, call the company or visit the organization’s website yourself.

Temporary Schedule Change for Branches – we will open at 9:30 a.m.

As of March 17, 2020 10:00 a.m.

On behalf of all of us at First U.S., I wanted to keep you updated on some additional efforts we are undertaking to ensure the continuation of the best possible service we can provide to you, our valued members.

  • First U.S. branches remain open, and we are practicing to the best of our abilities recommended guidance like social distancing for our staff and members. When you are in a First U.S. branch, we would appreciate your cooperation in keeping extra space between you and other members in lines, and please call instead of coming in if you have any symptoms.
  • In order to meet government and regulatory guidelines and to maximize remote capabilities to reduce exposure for members and staff, we are implementing a change to our opening hours as described below.
  • The temporary schedule change will give us some extra flexibility for staff in areas such as child care.

Effective Wednesday, March 18, 2020, our branches will be open:

  • Monday through Thursday, from 9:30 a.m. (a half hour later) to 5:30 p.m.
  • Friday, from 9:30 a.m. (a half hour later) to 6:00 p.m.
  • Branches with Saturday hours (Watt Avenue in Sacramento, Rocklin/Roseville, Auburn, Gold River and Grass Valley) will continue to operate Saturdays from 9:00 a.m. to 2:00 p.m.

Our Contact Center is available by calling (800) 556-6768, Monday through Friday from 9:30 a.m. (new start time) to 6:00 p.m., and Saturday from 9:00 a.m. to 2:00 p.m.

You can always access your First U.S. accounts through a number of digital services, like:

  • First U.S. Online Banking for 24-hour-a-day access to most transactions you can perform in a branch
  • First U.S. Mobile Banking - where you also have any-time access to deposit checks by phone
  • First U.S. ATMs and more than 30,000 CO-OP ATMs nationwide

Like everyone, we hope this health challenge passes quickly, but know you can rely on First U.S. to be prepared and accessible when you need us.

Your First U.S. Employees

A Message From Our CEO

As of March 16, 2020 11:30 a.m. PST

I wanted to take this opportunity to share with you how First U.S. is responding to concerns about the spread of the coronavirus disease. Most importantly, the health and safety of our member-owners and staff continues to be our number one priority.

In our branches and offices, we have enhanced cleaning procedures and continue to operate under recommendations from the Centers for Disease Control and Prevention (CDC).

Our branches, Contact Center and ATMs remain open and functioning to serve you. On the electronic front, we have procedures in place to ensure steady access to electronic services that allow you to bank anytime and anywhere you choose!

  • When you need it, Online and Mobile Banking allow you to conduct almost every transaction that you can do in a branch, wherever you have access to the Internet and a PC/mobile device.
  • Using your First U.S. cards in-person or through your mobile device is easy, convenient and safe with features like Zero Liability and card controls through Mobile Banking.

So whether you’re making a same-day loan payment, getting your direct deposit a day early, or managing applications and funds transfers, our services are available to help meet your financial needs.

Like everyone, we hope this health challenge passes quickly, but know you can rely on First U.S. to be prepared and accessible when you need us.

Carol Hauck

President and CEO

Accessing First U.S. Services Remotely

As of March 16, 2020 11:30 a.m. PST

First U.S. branches and offices remain open during regular business hours. If you are not able to make it to a branch for any reason, we have a number of ways to access your accounts and conduct business. If you need assistance accessing your accounts remotely, please contact us at (800) 556-6768.

  • First U.S. ATMs are open and will continue to be serviced.
  • Online Banking allows you 24-hour access to most transactions that you’d be able to do in our branches, including same-day loan payments. Sign in through the link on our home page at
    • To Sign Up – by clicking the red “Sign Up” link on our home page. You’ll need to have an email address already on file with us, and access to your social security number and member number. If you have not provided an email address previously, call our Contact Center at (800) 556-6768.
  • Mobile Banking – if you have access to Online Banking, simply download the First U.S. mobile app from the Apple Store or from Google Play. You can find the links on the First U.S. website.
    • eDeposits – make a deposit easily by phone.
    • Card Control – easily control your First U.S. cards through Mobile Banking, including turning your cards on and off.
  • First U.S. Cards – keep control of your cards, and limit the handling of your cards by others when you use Mobile Payment Options, like Apple Pay®, Google Pay® and Samsung Pay®. Simply add your First U.S. Visa® and Debit Cards to your preferred mobile pay service. For help visit