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Community Messages & Alerts

Last Updated: December 30, 2020, 9:00 AM CST

Stimulus Payments

This information is current as of December 29, 2020. We will continue to update as we have more information.

On Sunday night, President Donald Trump signed the second COVID-19 relief bill. A second economic impact payment will be going out soon, and those who qualify as individuals will receive $600, qualifying couples will receive $1,200, and qualifying dependents (17 and under) get $600.

Who’s getting the second economic impact payment?

Those filing single making less than $75,000 and those who file as head of household making less than $112,500 are eligible for a check of $600. Those filing jointly and make less than $150,000 will get a total of $1,200. An additional $600 will go to families who qualify with children under the age of 17.

For individuals who make more than $75,000, heads of households who make more than $112,500, and joint filers who make more than $150,000, your economic impact payment will be even less. The further away from the cutoff amount, the smaller your economic impact payment will be.

Who is not getting the second economic impact payment?

Dependents older than 17, people without a Social Security number, and those with incomes above a certain limit will not receive a payment.

Your economic impact payment will decrease by $5 per $100 you make above the threshold. If you’re an individual who makes more than $87,000, you won’t get a payment. If you’re a couple with an income of more than $174,000, or ahead of household making more than $124,500, this time you will not receive a stimulus check.

When will I get my economic impact payment?

You may see this second check as soon as next week, as long as the government has your direct deposit information. If they don’t have access to your direct deposit, you can expect your check via the mail, which may take longer.

Do I need to do anything in order to receive the economic impact payment?

You don’t need to do anything if: you’ve filed taxes in recent years, are a disability or a Social Security beneficiary, or a disabled veteran. If you qualify for the economic impact payments, the government will use the information they have on file to send it to you.

If you received a paper check in the spring and haven’t updated the IRS with your direct deposit information since then, you will be receiving this second payment via USPS mail.

If you moved after April 2020: If you’ve changed addresses since the last round of payments or since you’ve filed your 2019 taxes, you should update your address with the IRS right away.

What if I need to update my bank account information with the IRS?

The IRS goes off the account you used to receive your 2019 or 2019 tax refund. If your direct deposit information has changed since then, you are unable to change it. The payment will be sent to the account that is on file. If it is a closed account, it will be rejected and then mailed to the address you have provided. The IRS doesn’t allow direct deposit account changes outside of filing your taxes to protect you from fraud.

Will I have to pay back the amount that was sent to me?

No, you will not have to pay back the economic impact payment. According to the IRS website, there is nothing that states that you will have to pay back the amount you receive.

An example directly from the IRS Website: If you received $600 for your child who, based on your 2018 or 2019 tax return met the qualifying child requirements and that child turned 17 in 2020 and no longer meets the qualifying child requirements, you will not be required to pay back the $600.

Or, if you received $600 for your child whom you claimed on your 2018 or 2019 tax return and you do not claim the child on your 2020 tax return because the child’s other parent claims the child, you will not be required to pay back the $600 even if the child’s other parent claims $500 for the same child on his or her 2020 tax return.

Last Updated: November 9, 2020, 11:00 AM CST

Coming soon, open lobbies

We have been missing you as much as you have been missing us! We are getting excited to reopen our lobbies soon. However, we will be opening branch lobbies in phases as we are hiring additional friendly faces at our locations to assist you better. If you are interested in working at Resource One, please visit our careers page for openings. We also want to assure you that we are following all local guidelines in order to reopen and maintain a safe environment for everyone visiting us in person.

We have been listening to you and appreciate the feedback provided to us during our journey together. There have been adjustments for everyone, and we have also been able to add new services and enhance existing ones along the way. Most importantly, we recognize the way our members have adapted to using our convenience services, including mobile deposit, online and mobile banking, ATMs, and drive-thrus, to manage accounts and conduct transactions. As we work towards opening our lobbies, we encourage you to continue to manage your membership through our convenience services.

Thank you for your patience and understanding throughout this process, as our members and employees remain a priority to the Resource One team. Please keep watching for future branch opening updates.

Last Updated: April 30, 2020, 4:00 PM CST

REG D: Six-Transaction Limit Suspended

During April, the Federal Reserve announced that it would provide relief from the six-per-month limit on transfers or withdrawals from savings accounts under Regulation D (Reg D), effective immediately. For the time being, you can now make unlimited transfers and withdrawals.

The interim final rule allows depository institutions immediately to suspend enforcement of the six transfer limit and to allow their members to make an unlimited number of convenient transfers and withdrawals from their savings deposits at a time when financial events associated with the coronavirus pandemic have made such access more urgent.

Resource One Credit Union is honoring the suspension as we know that, at this time, having easy access to your funds is more critical than ever.

If you have any questions, please let us know.

Last Updated: April 29, 2020, 5:00 PM CST

Know Before You Go: Resource One Locations

Banking is an essential service, and we remain open to help our members.

During the month of May, we will continue to maintain safe conditions for our members and staff, by limiting the number of people in our branches at one time and allowing lobby access through appointments. Please schedule an appointment prior to your visit.

We encourage you to utilize our digital services such as Online Banking, the Android Mobile App, or the iPhone Mobile App where you can make deposits, transfers, payments and more from the safety of your home.

Should you need to visit a location, please review our entry requirements.

We encourage all members visiting a location to utilize the drive-thru. If you have scheduled an appointment you are required to wear some form of covering over your nose and mouth, such as a homemade mask, scarf, bandana, or handkerchief during your visit.

If you answer “yes” to any of the following questions, please do not come into a location and contact us or utilize a digital service.

Do you have signs or symptoms of a respiratory infection, such as a cough, shortness of breath, or sore throat?

Do you have a fever greater than 99.6 degrees F?

In the previous 14 days have you had contact with someone (a) with a confirmed diagnosis of COVID-19 and did not have the appropriate personal protective equipment designated by the Centers for Disease Control and Prevention (CDC); (b) who is under investigation for COVID-19; or (c) who is ill with a respiratory illness?

Thank you for continuing to practice social distancing and using our digital services during this time while we keep our members and team members safe. We look forward to serving you.

Last Updated: April 27, 2020, 9:00 AM CST

Update on the SBA Paycheck Protection Program and Economic Injury Disaster Loan Program

On April 24, 2020, the U.S. Small Business Administration (SBA) released an update regarding the Paycheck Protection Program (PPP) stating that additional funding has been approved by the U.S. government and completed applications can be sent to the SBA beginning Monday, April 27, 2020. The Paycheck Protection Program (PPP) allows small businesses to keep their workers on the payroll and provide some relief during the health crisis.

Required Documentation

Although there can be unique situations where additional documentation maybe necessary, businesses need to be prepared to provide the following when applying for the Paycheck Protection Program. Having this documentation will to allow the financial institution to process your application more efficiently.

  • Form 2483 SBA Application
    • Although it is not requested on the form, it is necessary to provide your business NAICS code, date the business started, and the address ZIP + 4.
  • 2018 Tax Returns and 2019 if available
  • Profit & Loss Statement for 2019, if the Tax Returns are not available
  • Payroll tax filings
  • 1099-MISC copies, if applicable
  • Sole Proprietors will need to provide 2019 Schedule “C” whether or not you have already filed taxes

Submission of the application does not guarantee approval or funding. Resource One will be processing applications that contain all the required documentation as they are received. If you application is lacking information, please provide the required documentation as soon as possible to increase your chances of submission to the U.S. Small Business Administration.

If you are interested in the Economic Injury Disaster Loan Program, you can apply directly through the SBA website.


Update on the SBA Paycheck Protection Program and Economic Injury Disaster Loan Program

On April 15th, 2020, the U.S. Small Business Administration (SBA) released an update regarding the Paycheck Protection Program (PPP) and Economic Injury Disaster Loan Program (EIDL) stating that funding has been exhausted. The SBA is asking Congress to appropriate additional funds for the Paycheck Protection Program (PPP), allowing them to continue processing loan applications and help businesses provide paychecks to employees during the health crisis.

Resource One Credit Union has processed all SBA Paycheck Protection Program applications that had provided the required and completed information for the SBA to approve the request. Businesses whose applications were approved and funded by the SBA have been contacted.

We recommend that any business which provided an application to Resource One that was incomplete, to provide the missing information. These applications will be queued in the event that the SBA receives additional funding for the program. To ensure faster processing of the application, please have your North American Industry Classification System (NAICS) code and the business start date available. These items are not on the application but are required to submit the information to the SBA online funding portal.

If you are interested in the Economic Injury Disaster Loan Program, you can apply directly through the SBA website.


Last Updated: April 15, 2020, 3:00 PM CST

Here’s an Overview on Stimulus Checks

As part of the U.S. Government’s response to Coronavirus, COVID-19, many Americans across the country will be receiving stimulus payments. Here is what you need to know about your Economic Impact Payment.

Check on the status of your Economic Impact Payment

The IRS has created an online portal that enables you to check on the status of your stimulus check or to check your eligibility.

Who is eligible?

There is no minimum adjusted gross income threshold. However, the stimulus check amount phases out by $5 for every $100 above certain income levels based on your tax filing status:

  • Single Filer: $75,000
  • Head of Household: $112,500
  • Married/Joint Filer: $150,000

The IRS is using information from 2018 and 2019 tax returns to process the payments. It says taxpayers who’ve yet to file a return this year should do so as soon as possible, and elect to receive the refund via a direct deposit. The information can then be used to distribute the stimulus payments. If you don’t file taxes but receive Social Security or disability your payments automatically be receiving a stimulus check.
You can use TurboTax’s 2020 Stimulus Check Calculator to find out if you qualify for a payment and how much you can expect.

If you haven’t filed your taxes this year the IRS is likely to send the stimulus check based on 2018 tax return. File your 2019 taxes with TurboTax today to get your maximum refund.

At what income level will I not qualify for a stimulus check?

  • Single Filer: $99,000
  • Joint Filer (no children): $198,000

How much money can I expect to receive?

  • Individuals: $1,200
  • Married Couples: $2,400
  • Dependent Children: $500 (must be less than 17-years-old)

How will I get my check?

Direct Deposit: If you provided direct deposit information on your 2018 or 2019 income tax return, then the IRS already has your direct deposit information and your stimulus payment will be deposited to the account you provided for your tax return. Direct deposits are being received from the IRS every week through the end of the stimulus payment program.

Mailed Check: If you do not receive your tax return by direct deposit, then your stimulus check will be mailed to the address you noted on your most recent tax return for either 2018 or 2019 filing.

When should I receive my payment?

The IRS will begin sending paper stimulus checks as early as Thursday, April 9th. The plan is to send paper stimulus checks to taxpayers with the lowest adjusted gross income first. Therefore, taxpayers who earned less than $10,000 will receive a paper check first.

The IRS has released a Get My Payment portal where you can check to see if you qualify for a stimulus payment and when you will be receiving the payment.

April 15, 2020
Stimulus checks could be sent to some taxpayers as early as Thursday, April 9. If you filed your income taxes in 2018 or 2019 and provided your direct deposit information to the IRS, your stimulus check could be sent today. Estimated arrival time in your account could be on or before April 15, 2020.

April 24, 2020
The IRS will begin sending paper stimulus checks. The plan is to send paper stimulus checks to taxpayers with the lowest adjusted gross income first. Therefore, taxpayers who earned less than $10,000 will receive a paper check first.

May 1, 2020
This week, the IRS will send paper stimulus checks to taxpayers who earned between $10,001 and $20,000.

May 8, 2020
This week, the IRS will send paper stimulus checks to taxpayers who earned between $20,001 and $30,000.

May – September 2020
From May through September, the IRS will continue to send paper checks in order from lowest income to highest income based on 2018 or 2019 tax information.

September 4th, 2020
The IRS will mail any remaining checks, such as to married couples making $198,000 (the maximum joint income that is eligible to receive a stimulus check).

Last Updated: April 13, 2020, 3:30 PM CST

Still focused on serving you, our members.

We continue to think of you and all our members during the coronavirus disease pandemic (COVID-19). We want you to know that we’re not going anywhere because, at its core, our credit union is not a building or a business; its people unified for a common goal of financial well-being.

We’re always here for you.

These are difficult times for everyone, and we know that some of your biggest payments are due soon. If you’ve been economically impacted by this pandemic and are concerned about your bills, our staff is dedicated to working with and helping you through these uncertain times. Now, more than ever, we are here to support our members. Resource One is helping our members by providing several resources that will help your financial well-being.

Business Owner Resources: Living and working in the same communities as our member businesses, we understand the challenges many of you are facing right now, and we’re here to help. Additionally, the Small Business Administration (SBA) is offering programs that can assist businesses through the health crisis. If your business has been impacted by the coronavirus (COVID-19) pandemic, please reach out to us to discuss your options.

Loan Payment Deferments: Our focus is to work with you to free up the necessary cash for unexpected challenges. If you are having trouble with your monthly loan payments to the Credit Union, you can request a loan deferment. Our teams will work with you to develop a plan if you are having challenges due to the current health crisis.

Financial Coaching: Having a plan can make a difficult situation a little less stressful. With the help of Resource One’s financial coaches, you develop a budget to get you through life’s ups and downs. Request an appointment with a financial coach here.

Government actions that may impact you.

The CARES Act was recently signed into law and included several provisions aimed at helping Americans stay engaged in the economy through the month of April and help you with your bills. Here are some highlights that may directly impact you:

Stimulus payments: Most Americans are eligible to receive a stimulus payment from the government in the next few weeks. These payments are based on your most recent tax filing. Members who are receiving Social Security retirement and disability payments will also receive a stimulus payment. To learn more about these payments and to see if you’re eligible, click here.

Unemployment Payments: If you file for unemployment benefits, you can expect an extra $600 per week on top of your normal unemployment benefit through July as a result of the CARES Act. The unemployment benefit time period has been increased to 39 weeks.

We’re ready if you need any additional assistance.

If you want to learn more about COVID-19, visit the CDC’s resource center or the Texas Health and Human Services website. Please take care of yourself and those around you and do not hesitate to contact us for any assistance by calling 800-375-3674 or visiting our website at

President & CEO
Resource One Credit Union

Last Updated: March 25, 2020, 5:00 PM CST

Keep Your Cash in Resource One Credit Union, Where it is Safe and Insured

In times of crisis, we know our members have many concerns. Fortunately, the safety and security of your financial accounts need not be one of them. Your accounts continue to be fully insured at Resource One, up to $250,000 for each account. That makes your credit union the safest place for your hard-earned savings. No American has ever lost a single penny on their insured accounts in any federally insured credit union in the country.

  • The nation’s financial system continues to operate smoothly and efficiently allowing you to transfer money to pay bills and other expenses through your debit card, credit card, or electronic transfer without taking on the worry and risk of holding cash.
  • It is important to remember that if you lose your debit or credit card, they can be replaced. There is no replacement for cash that is lost or stolen.
  • Using credit or debit cards for payments now is especially important when we are being asked to practice social distancing. You can still meet most of your obligations without leaving your home.
  • Knowing your money is safe at Resource One Credit Union is one less concern for you, our members. Should you have any financial needs during this difficult period, we are just a click or phone call away.
  • Your savings are safe and secure. Keeping YOU safe and secure is our number one priority.

Last Updated: March 19, 2020, 5:00 PM CST

A message to our members.

We would like to let all members know Resource One Credit Union is closely monitoring the current situation regarding the coronavirus (COVID-19). The health and safety of our members, employees, and communities are of utmost importance to us. Therefore, in an effort to protect everyone, we are joining the efforts to socially distance. As a result, we have made the decision to serve our members through drive-thru lanes and close our branch lobbies starting Friday, March 20. When using the drive-thru, please have your account number and identification with you so we can safely identify and serve you at the drive-thru window. For safe deposit box access, notary services, and any other services that are required to be done in-person, please call 214-319-3100 to make an appointment at the branch.

We will re-open the lobbies once it is deemed safe. If you currently frequent the Irving branch, which does not have a drive-thru, you may find the closest branch with drive-thru service at

We can also serve your financial needs with our convenient, alternative banking options, including:

  • ATM Network – withdraw, transfer, and deposit your money at over 30,000 surcharge free ATM’s. Here is the link to find the nearest ATM
  • Online Banking – check balances, transfer money, pay bills, view transaction history, apply for loans, send and receive secure messages with Resource One staff.
  • Mobile Banking – check balances, make transfers, pay bills, and remote deposit checks using the camera on your phone.

If you have not already enrolled in online or mobile banking, it only takes a few minutes. Enroll now.

As always, you can reach us by telephone, email, and online chat. Contact us.

Starting on Monday, March 23, we will be extending our drive-thru and contact center hours to 7:00 am – 7:00 pm.

As always, the health, safety, and well-being of our members, team members, and communities are of paramount concern. We continue to monitor this quickly evolving situation and are here to assist you in any way possible.


President & CEO
Resource One Credit Union

Last Updated: March 17, 2020, 4:00 PM CST

We strongly encourage you to utilize our digital banking services to access your account 24/7 through Online Banking or the Mobile App. Members can bank anywhere, anytime: you can view transactions, make payments, conduct account-to-account transfers, and deposit checks. If you must visit a branch, we encourage you to utilize the drive-thru for deposits, withdrawals, and Shared Branch transactions. If walking into one of our branches in person is necessary, know that we always look forward to seeing you and are happy to assist with your banking needs.

Last Updated: March 12, 2020, 8:00 AM CST

Resource One Credit Union is closely monitoring the current situation regarding the coronavirus (COVID-19). The health and safety of our members and employees is of utmost importance to us. We are here to serve our members and we will continue to operate safely and effectively.

What you can do.

Find Locations Near You: Locate branches and ATMs near you, including hours of operation and operational status. Find Now

Use Online and Mobile Access: We encourage you to access your account from home 24/7 using our Online or Mobile App to view transactions, check balances, transfer payments, make deposits, and more. We have invested in a number of enhancements that make it easier than ever to manage your account digitally.

Stay up to Date: For more information and the full list of recommendations, please see the Centers for Disease Control (CDC) guidelines. Visit the Centers for Disease Control and Prevention (CDC) website.

Contact us via Chat or Phone: If you have any questions specifically about your accounts, you can send us a secure message using the chat feature in Online or Mobile Banking, or give us a call at 800-375-3674.

Please know we are closely following the Centers for Disease Control (CDC) guidelines. As a precaution, we are encouraging employees to increase sanitizing efforts in high-touch areas inside our facilities. Additionally, we are advising our employees and members to:

  • Avoid close contact with people who are sick and distance yourself from others if viruses are spreading in your area.
  • Avoid touching your eyes, nose, and mouth.
  • Stay home when you are sick.
  • Wash your hands often. This is especially important after using an ATM. Use soap & water for at least 20 seconds and hand sanitizer that contains at least 60% alcohol.

Protecting Our Members

The Federal Trade Commission has issued a warning to consumers about scammers taking advantage of individuals surrounding Coronavirus fears. They are setting up websites to sell bogus products and using fake emails, texts, and social media posts as a ruse to take your money and get your personal information. Please remain alert to avoid possible scams and if you come across any suspicious claims, report them to the FTC at

Here are some tips to prevent from being scammed:

  • Do your homework when it comes to donations, whether through charities or crowdfunding sites. Don’t let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don’t do it.
  • Don’t click on links from sources you don’t know. It could download a virus onto your computer or device. Make sure the anti-malware and anti-virus software on your computer is up to date.
  • Watch for emails claiming to be from the Centers for Disease Control and Prevention (CDC) or experts saying that have information about the virus. For the most up-to-date information about the Coronavirus, visit the Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO).
  • Ignore online offers for vaccinations. If you see ads touting prevention, treatment, or cure claims for the Coronavirus, ask yourself: if there’s been a medical breakthrough, would you be hearing about it for the first time through an ad or sales pitch?

Look for our latest updates on, as we keep you updated on how Resource One is responding to the evolving Coronavirus / COVID-19 situation. You can also learn more about how to keep you and your family safe at the Centers for Disease Control and Prevention website.

If you are impacted financially by the virus or other challenges life can present, please contact us. We encourage our members to make Resource One Credit Union their first call, so we can help find solutions to life’s events.

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© 2021 Resource One Credit Union. All rights reserved.

Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.