Branch Lobbies Reopening: A Message from Our CEO

Dear Fellow Members,

On Monday, June 8th, BHCU will allow members lobby access at our offices to conduct their banking business. It is expected by that time Delaware County will be within the “Yellow Phase” of Governor Wolf’s reopening plan. However, many restrictions will remain in place. Specifically, at this time, members entering the credit union’s offices will be required to wear face masks and maintain appropriate social distancing between themselves, our staff, and other members. Signage will be posted with these requirements along with other reminders at office entrances. Anyone refusing to abide by the written instructions may experience a service disruption until they are able to comply. In addition, the number of members permitted into the lobby will be limited. 

Please also be aware that you may be asked to temporarily remove your mask to complete your transaction if credit union staff is unable to accurately identify you with the mask in place. Further, we ask that if you are not feeling well, have a fever or other symptoms, you refrain from coming into the office. 

As we reopen the offices, you should feel confident that the BHCU staff is doing everything it can to make your in-person experience safe and efficient. All public areas will be frequently sanitized, and all credit union staff are monitored each day for their own symptoms including daily temperature checks. We have eliminated the need for in-person signing for transaction receipts and reduced other obligations that were common “high-touch” activities. 

We strongly encourage you to continue to utilize our online and mobile banking applications to minimize your personal exposure to risk unnecessarily. Hopefully by now you have taken advantage of these great tools that provide complete access to your accounts and the ability to perform any transaction you need securely right from your phone or tablet. The night drop at both locations will continue to be available for members to use allowing them to avoid waiting in the lobby. 

Personally, I would like to thank all our members for their patience, understanding and cooperation as we navigate through these difficult times. BHCU is YOUR Credit Union and the staff and I consider it a privilege to represent the membership and provide these services to all our fellow members. 

We will keep you apprised of any updates as soon as they become available. We look forward to seeing you soon. In the meantime, stay well. 

Gary M. Golden

CEO

Beware of Fraudsters: A Message from Our CEO

Dear Fellow Members,

As we begin our second week operating with restricted lobby access in our offices, I would like to take this opportunity to thank all of our members for your patience and flexibility as we navigate through these uncertain times.

I’d also like to remind everyone again that these uncertain times are a bonanza for fraudsters trying to take advantage of people with new tactics.  Fraudsters have been quick to deploy scams involving the coronavirus stimulus packages and with email phishing attempts using fake websites and links that appear to be from the Federal or State Governments and the Center for Disease Control (“CDC”).  If you receive such emails, we highly suggest you do not open any unsolicited emails from unknown sources and of course do not click on any links contained in them.  When on-line always go directly to any website you are looking for rather than linking to it from an email.

As we’ve said previously, BHCU will NEVER send you an email or call you and ask for your account information.  Anyone that does, especially when referring to any type of direct deposit coming from the government, is a potential fraud.  No government agency is going to call you asking for your account details.  If you are ever uncertain about a call or email you receive, hang up and call your credit union or other financial institution directly to ask any questions you may have.

Even if you are unable to meet with us in-person as usual, the BHCU staff remain committed to serving your needs.

We hope you all stay well and financially healthy too.

Gary M. Golden

CEO

A Message From The CEO Regarding Restricted Access To Office Lobbies

Dear Fellow Members,

The health and safety of our members, employees and our community in general are of the utmost importance to us. We continue to monitor and act on all available information on the reported spread of COVID-19.

As a result of the current conditions, BHCU will restrict access to its office lobbies effective Thursday April 2, 2020. Necessary transactions will be accepted at the door only. Lobby access will also be available by appointment. Appointments may be made via phone (610-595-2929) or website.

This decision was not undertaken lightly, and we know this creates an inconvenience. However, these are unprecedented times and call for us to do our part to keep our members safe. We will reopen lobby access as soon as we can safely do so.

Please be aware our office in Glen Mills and Ridley Park have fully functioning ATMs available 24/7 as well as a free night-deposit drop that all members may use for deposits or other paperwork.

We strongly encourage using online or mobile banking. If you haven’t done so already, please be sure to request a BHCU Visa debit card as an efficient way to access your money. Many retailers in our area are discouraging the use of cash making a debit card the most sensible way to make purchases while keeping your money safe, secure and insured.

Rest assured we are available to handle all of your banking needs. Our complete line of products and services remain fully available and accessible through all other normal channels.

Please check our website often for updates.

We often say we are on this journey together and in times like these this is especially true. We value your trust and support of BHCU, Your Delaware County Credit Union.

Stay Well.

Gary M. Golden

CEO


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A Second Message from Our CEO Regarding COVID-19

Dear Fellow Members,

 

We hope everyone is staying healthy and managing through the coronavirus crisis as well as possible.  As your credit union operates through these uncertain times, I’d like to remind everyone it remains a good time to familiarize yourselves with all the alternative methods of accessing your BHCU accounts. While we remain available to serve you as needed in both our office locations, be sure that your online banking and mobile apps are up to date. Likewise, please ensure we have all your contact information up to date including emails. We may need to provide important information to you quickly and email is a very efficient way of doing so.

If you do need to come to our office, please respect your fellow members and our staff by practicing the recommended social distancing. Of course, if you are not feeling well, we ask you utilize the remote contact methods available online or over the phone. In addition, due to our reduced staff schedule, please be aware that service times may be slightly longer than usual. We appreciate your patience during this time.

Unfortunately, in times of crisis there are those who seek to take advantage of the uncertainty and confusion around us. We are already aware of several new scams targeting certain areas and our members. These scams take the form of bogus emails and “phishing” attempts as well as via telephone and even regular mail. If you receive an unsolicited email from an unknown party, do not open it or click on any links within it. If it is from a company you do business with, better to close out your email and go directly to the company’s website directly rather than clicking on an email link which could be sending you to a fake website.

As a BHCU member, we want you to know that we will never randomly call you and ask for any account details over the phone nor we will send any emails that ask you to enter your personal account information. If you receive a BHCU email that you are not certain is real, please call us and let us know. Likewise, if any person or company asks you for your BHCU account information, we highly recommend you check with us first. Of course, if you call us, communicate via email or visit us in person, we will require you to verify your identity for your protection.

As a checking account holder with BHCU, if you believe your identity or account information has been compromised, know that we’ve got you covered. Our identify theft and recovery service is free to all our checking account members. You can learn more about this valuable service here.

Lastly, for those affected by the current economic slowdown, your BHCU team knows your financial health is important too. We’ll be here when you need us.

 

Stay well.

Gary M. Golden

CEO

An Important Message from Our CEO

Dear Fellow Members,

In the most aggressive action since the 2008 financial crisis, yesterday the Federal Reserve cut their interest rates to zero.  This action was taken in an emergency effort to protect the economy from the impact the coronavirus is having on our country.

What does this mean to me?

The effects of the Federal Reserve’s action will include a decline in both deposit account and loan rates offered by banks and credit unions.  While mortgage rates are already at or near historic lows, other loan types will also be affected.  However, some products such as credit cards and home equity lines of credit may only adjust during certain times of the year as specified in the loan documents and disclosure statements.  I encourage you to review your account statements to determine the specific effect on your accounts.

What can I do to help protect and manage my money during this challenging time?

  • As savings rates decline, be sure to look at alternative products such as CD’s or our iSAVE products which can offer higher yields than traditional savings accounts and money markets.
  • Look to consolidate higher fixed rate interest loans and credit cards with a new lower rate product. Be sure to visit our website to learn about the NEW consolidation loan promotion currently being offered.
  • Contact Bob Protesto our Certified Financial Planner for a personal assessment of your current retirement and investment plans to make sure you’re prepared to weather the storm.
  • Make sure we have your most up to date contact information, including emails and phone numbers as we will be passing along important information through all available channels to keep you informed of current events, operational changes or changes in schedules.
  • Don’t panic. In the financial world, most hasty decisions tend to create more problems than they solve.  Your DELCO Credit Union has been helping its members achieve their financial goals and dreams for 68 years and we’ve seen lots of up and downs over that time.  We’ll be here to help you through this time too.

And remember, as our community deals with the person to person impact of the coronavirus, you can visit us on the web or conduct your banking needs right on your mobile phone with the BHCU mobile app from the convenience of your own home.  You can also reach BARB, our bank by phone automation system, by calling 1-610-595-2929, then choosing option “5”.

We hope you all stay well and appreciate your continued support of Your Delaware County Credit Union.

Gary M. Golden

CEO

March 11, 2020 – An Important Message from Our BHCU Staff

Dear Fellow Members,

As you know, the Coronavirus outbreaks have been dominating the news for the past few weeks. We want you to know that our member’s health and safety is a top priority. Accordingly, we have been taking proactive measures to ensure the safety of our members and staff and put additional protocols in place in our branches to keep our members and staff safe. These include:

  • In addition to our usual nightly cleaning, we are disinfecting all common areas in our lobby, teller counter and restrooms throughout the day.
  • We have advised our staff to stay home if they are not feeling well.
  • We have provided access to hand sanitizer and hand wipes.

What you can do:

Have you signed up for on-line banking? Did you know that you can check balances, deposit checks, pay bills, use Person to Person (“P2P”) money transfers, open new accounts and even apply for loans right on your mobile device or home desktop computer? If you haven’t already be sure to visit our website at to learn more and activate your online banking access. The BHCU mobile app can be found by searching BHCU Mobile Banking in the app store on your phone.

You can also reach BARB, our bank by phone automation system, by calling 1-610-595-2929, then choosing option “5”.

Any way you need to reach us, we’ll be here for you. While we hope everyone stays healthy, if you are sick or exhibiting any flu like symptoms (runny nose, sore throat, cough, fever) or have recently exposed to someone with the virus, avoid further public spaces and check with your doctor. Don’t forget to try to avoid touching your eyes, nose and mouth and wash your hands often!

In the meantime, YOUR Delaware County Credit Union will continue to work hard to protect your financial health too.

The BHCU Staff