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COVID-19

Wings Response to COVID-19
Exterior shot of the wings lakeville branch location

    Wings gradually expands operations

    During the Minnesota stay-at-home order, credit unions like Wings (and the entire financial services industry) have been exempt from lockdown, considering the vital role these services play in our economy. Wings has been working to ensure that members have complete access to their accounts, while helping to keep both members and employees healthy.

    Appointment service at select branches

    Appointment-based Member Service is available at:

    - Apple Valley
    - Atlanta
    - Brooklyn Center
    - Chaska
    - Central Ave
    - Coon Rapids
    - Detroit - Romulus
    - Eagan
    - Edina
    - Highgrove
    - Minnetonka
    - Orlando
    - Savage
    - Thief River Falls
    - Woodbury

    Make an Appointment

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    Services available by appointment at select branches:

    Account Maintenance
    Check Order
    Notary Services
    Additional CD Account
    Credit Card Application
    Safe Deposit Access
    Additional Savings or Money Market Account
    Loan Application
    Signature Guarantee
    Business Account
    New Membership
    Youth Account
    Cashier's Check (Also available in drive-up)
    New or Replacement Debit Card (Also available in drive-up)
    Checking Account

    Additional branch availability:

    Expanded drive-up and Personal Teller Machine hours for select branches:

    Expanded weekday drive-up only hours:
    7 a.m. to 7 p.m. Central Time, Monday – Friday

    Saturday hours:
    9 a.m. to 1 p.m. Central Time

    Rand Tower and Government Center PTMs available - Building C fully closed

    Loan payment relief for members impacted by COVID-19

    Wings has proudly worked with each of our members in times of need much like we’re seeing today. Rather than a one size fits all approach, we want to find solutions that meet members’ unique needs, while providing multiple ways for members to request assistance.

    We know many members prefer a self-service option, so we recently expanded the ability for our members to request assistance via CU Online or Mobile Banking using the Skip-a-Pay feature, and we’ve temporarily removed the Skip-a-Pay fee.   

    Wings members with a first mortgage loan can use the Skip-a-Pay feature to request assistance, too, but the process will involve a representative from Wings contacting you to explain the process for a payment forbearance. Mortgage borrowers impacted by COVID-19 are generally eligible for up to six months of payment forbearance once they complete a very brief agreement with Wings.  

    For business and commercial questions, please visit:  https://www.wingsfinancial.com/business for the most up to date information.

    Loan Payment Relief FAQs

    View All FAQs

    What is Wings doing to offer loan payment relief for members impacted by COVID-19?

    Since our founding, Wings has proudly worked with each of our members in times of need much like we’re seeing today. Rather than a one size fits all approach, we want to find solutions that meet your unique needs. We recently expanded our Skip-a-Pay program with NO fee in CU Online and our Mobile Apps where you can now skip payments on most consumer loans and credit cards (Mortgages are not available in Skip-a-Pay). Or, you may contact us through our Contact Center by phone at 1 (800) 692-2274, where we have added capacity to talk with members quickly and efficiently.

    I’m concerned about making my mortgage payment. What can I do?

    Mortgage loan payments are not eligible for our Skip-a-Pay program, but you may use this feature to request payment assistance in CU Online and Mobile Banking. Wings is following all Fannie Mae guidance, as well as provisions of the Federal CARES Act for mortgage payment assistance. Fannie Mae uses the term Payment Forbearance to describe this type of assistance. Deferrals/forbearance of mortgage payments may be made up to six months, and after that, we would work with you to modify loan terms. A Wings representative will discuss the process with you in detail.

    What is Skip-a-Pay?

    Wings has offered Skip-a-Pay for many years for members who need a little help from time to time. In the current environment with COVID-19 impacting so many, we have expanded that program with NO fee for most consumer loans and credit cards. This is a self-service option in CU Online and Mobile Banking to skip your payments.

    Learn more about Skip-a-Pay

    I’m concerned about making my auto/vehicle/line of credit or other loan payments. What can I do?

    We recently expanded our Skip-a-Pay program with NO fee in CU Online and our Mobile Apps where you can now skip payments on most consumer loans and credit cards (Mortgages are not available in Skip-a-Pay). Or, you may contact us through our Contact Center by phone, where we have added capacity to talk with members quickly and efficiently to find solutions for your needs.

    I’m concerned about making my current credit card payment. What can I do?

    We recently expanded our Skip-a-Pay program with NO fee in CU Online and our Mobile Apps to include skipping credit card payments. Or, you may contact us through our Contact Center by phone, where we have added capacity to talk with members quickly and efficiently to find solutions for your needs.

    What if my loan is not available to be “skipped” when I check the Skip-a-Pay feature in CU Online or Mobile Banking?

    Most consumer loans and credit cards are now eligible to be skipped with no fee in CU Online and our Mobile Banking Apps if they are less than 15 days past due. If your loan does not appear in the Skip-a-Pay system, please call us and we will work with you to meet your needs. There may occasionally be circumstances where a loan is not available but still may be able to be skipped.

    How long will I be able to skip or defer loan payments?

    We are continuously monitoring the situation and while we do not know the impact the COVID-19 outbreak will have on our economy; we stand ready to help. For now, you may skip one month’s payment in the next month. We may add additional months to the skip program should that be necessary. We also encourage you to reach out to Wings and work with us to find the right payment solution for your situation.

    I need to talk with someone about my commercial real estate loan, who should I contact?

    The commercial lending team has reached out to members with commercial loans to discuss options. If you need to reach our commercial services team, please email commercialservices@wingsfinancial.com

    Can Wings help with my small business relief needs?

    Many businesses are experiencing financial difficulties due to COVID-19. We are committed to finding a solution that will assist businesses in accessing the SBA Disaster Assistance programs.

    The Economic Injury Disaster Loan (EIDL) is administered directly by the SBA, while The Paycheck Protection Program (PPP) is available through participating SBA Lenders. Wings is working with Central Minnesota Credit Union, an SBA preferred lender, to provide businesses access to a variety of SBA programs, including the Paycheck Protection Program.

    If you are interested in the SBA PPP through Central Minnesota Credit Union, we encourage you to apply at: https://mycmcu.org/relief-business.html

    You can find more information on the PPP, EIDL Loan, and other SBA relief efforts here: https://home.treasury.gov/policy-issues/top-priorities/cares-act/assistance-for-small-businesses

    We are encouraging business owners to apply quickly for these programs, as funds are limited and are available on a first come, first served basis.

    For members in Minnesota, resources are available through the Minnesota Department of Economic Development: https://mn.gov/deed/newscenter/covid/

    What can members do?

    We always welcome members to visit our branches, but if you are concerned, we have many options for conducting most of your banking needs. As you plan your visit, we ask that you assess your personal health condition.

    To protect other members, our employees and the public in general, if you have concerns about your health or are ill, we ask that you stay home and look at other options that you have to manage your accounts with Wings. In most cases, it’s faster and easier to manage your accounts with our online and mobile banking options.

    Skip-a-Pay self-service now with no fee

    Self-Service Available in CU Online and Mobile Banking

    We continue working with members on their individual situations for loan payments. For members who have an eligible consumer loan, you can now use Skip-a-Pay with no fee in CU Online or through our mobile app to skip your loan payment.

    Learn More about Skip-a-Pay

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    Contact us to discuss your individual needs

    Our phone and online contacts are always available for you in order to assist with your needs.

    Contact Us

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    Keeping your money safe

    Your Deposits at Wings Financial remain safe under NCUA insurance up to a minimum of $250,000 per individual.

    Learn More about NCUA Insurance

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    Questions and Answers about NCUA Insurance

    View All FAQs

    Is my money still safe?

    Yes. Your credit union deposits are insured by the National Credit Union Administration (NCUA) per individual up to $250,000, just as bank deposits are insured by the FDIC.

    What is NCUA?

    Created by the U.S. Congress in 1970, the National Credit Union Administration is an independent federal agency that insures deposits at federally insured credit unions, protects the members who own credit unions, and charters and regulates federal credit unions. Learn more at https://www.ncua.gov/about-ncua

    How is it different than FDIC?

    The FDIC is the federal regulatory body overseeing banks while NCUA oversees credit unions. Both insure the deposits of individuals up to $250,000.

    Protect against COVID-19 scams

    While your money is insured with NCUA, you should maintain vigilance on your accounts against scams related to COVID-19. Some scams include:

    - Fake cures or vaccines
    - Fake charities
    - Person(s) pretending to be in need

    You can always tell it’s a scam if the person calling asks for your SSN, account information, credit card information, or driver’s license number. You will also never have to pay in order to receive other funds, such as a stimulus check.

    Learn more about how you can protect yourself from fraud during this time:

    https://www.consumerfinance.gov/about-us/blog/avoid-scams-find-help-during-quarantine/

    https://www.consumer.ftc.gov/blog/2020/03/checks-government

    https://www.consumerreports.org/phishing-vishing/how-to-avoid-coronavirus-phishing-scams/ 

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    Additional resources

    View our answers to commonly asked questions, as well as links to our most up-to-date information

    Answers to Common Questions

    Why is Wings changing branch operations?

    The spread of the COVID-19 virus has caused concern all over the world. Federal and State government officials have said one of the best ways to prevent the spread of this virus is to limit face-to-face contact with others and to practice “social distancing”. To protect the safety of both our members and our employees, we made the decision to close our branch lobbies and provide service exclusively through our Drive-Up lanes for the time being.

    What is changing with Wings branch operations in light of COVID-19?

    Effective March 20, 2020, we are expanding some drive-up access hours, increasing our call center staffing, and reminding all members of the various capabilities available through our digital channels and ATM networks.

    We will also be closing our branch lobbies effective Friday, March 20, and we ask all members to use the drive-up for branch transactions.

    What are the hours of operation of your Drive-Up?

    Effective March 20, 2020, All of our Drive-Ups are open from 7:00 a.m. until 7:00 p.m., Monday through Friday Central Time and from 9:00 a.m. to 1:00 p.m. Saturdays Central Time.

    What will happen to branches without Drive-Ups?

    Branches without drive-ups will close and will have limited services available by appointment only. ATMs will remain available. These branches do not have drive-ups:

    • Blaine, MN – Alternatives include Coon Rapids, and Central Avenue office in Minneapolis
    • Eden Prairie, MN – Alternatives include Chaska and Edina
    • Minneapolis, Chicago Avenue, MN – Alternative is Edina

    The following branches are currently closed due to diminished area traffic:

    • Downtown Minneapolis – Rand Tower and Government Center – Alternatives include Brooklyn Center, Minnetonka, and Edina
    • Delta Air Lines Building C in Bloomington - Alternatives: Apple Valley and Edina

    Can Wings assist my small business affected by COVID-19?

    Wings does not currently offer SBA lending. However, we recognize many of our members are seeking assistance from recently announced relief programs. We are actively researching ways to offer these programs, but in the meantime, here are several resources where you can get more information.

    The SBA has announced two new programs to assist business owners who are impacted by COVID, the EIDL (Economic Injury Disaster Loan) and the PPP (Paycheck Protection Program).

    EIDL is provided directly through the SBA, applications may be submitted here: https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/economic-injury-disaster-loan-emergency-advance

    PPP loans are available through current SBA Approved lenders. Information on the program, and a link to SBA Approved Lenders can be found here: https://home.treasury.gov/policy-issues/top-priorities/cares-act/assistance-for-small-businesses

    We are encouraging business owners to apply quickly for these programs, as funds are limited and are available on a first come, first served basis.

    For members in Minnesota, resources are available through the Minnesota Department of Economic Development: https://mn.gov/deed/newscenter/covid/

    If you have further questions, please contact CommercialServices@wingsfinancial.com

    When will Wings Financial branch lobbies reopen for business?

    We are closely monitoring the situation. As soon as we believe that we can reopen our branch lobbies safely, we will do so.

    What services can I get going through the Drive-Up?

    Virtually all services you can get inside the branch are available when using one of our Drive-Ups. In certain cases, things like debit cards or cashier’s checks may not be available at a Drive-Up. In those instances, please follow the instructions posted on the door of the branch.

    Can I access my safe deposit box inside the branch?

    Yes. For select branch locations, you can make an appointment to visit your safe deposit box either using CU Online or the Wings Mobile app. Click on the “Contact” tab in CU Online or the “Schedule An Appointment” tab on CU Online to schedule your visit.

    How else can I access my account?

    Wings Financial has a several great online tools for account access:

    • You can access your account 24 hours a day, seven days a week through our web site, www.wingsfinancial.com, or via our mobile app on your cell phone.
    • You can get cash through Wings Financial ATMs or at any of the more than 80,000 ATMs in our nationwide network. That includes ATMs at all Target, Walgreens, CVS, Costco, 7-11, Kroger and Publix stores. You can find the closest ATM by using the ATM locator on our web site or mobile app.

    If you need to speak with someone about your account:

    Call us at 1 (800) 692-2274. Our telephone lines are open Monday through Friday from 7:00am until 7:00pm, Monday through Friday and 9:00am until 1:00pm on Saturday.