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Does United Poles FCU charge a fee to cash my economic impact check?

No, United Poles FCU is waiving all check-cashing fees for economic impact payments.

Please note, at the time of this writing, the CDC recommends staying at home. We are encouraging customers to follow this advice by signing up to receive your payment electronically. If you think you are going to receive a paper check, you’ll need to visit the web-based portal to learn how to update the IRS with your direct deposit information. Visit irs.gov/coronavirus to learn more.

I received a paper check, but I can’t make it to a branch. How do I deposit it?

If you can’t visit a United Poles FCU location to deposit the check, you have a few options to make a deposit.

Deposit Remotely with Mobile Banking App

Make a deposit remotely using our mobile banking app and the mobile deposit feature

a. Open the United Poles FCU app

b. Navigate to “Deposit” then select “Make a Deposit”

c. Sign the back of the check and write “for deposit only at United Poles FCU.”

d. Select the account to receive the deposit, enter the amount and tap [Continue]

e. Take photos of the front and back of the check with your smartphone — just select the [Front of Check] and [Back of Check] buttons.

f. After confirming the details, tap [SUMBIT].


Deposit By Check

To deposit a check by mail, endorse the check by signing it and writing "for deposit only at “United Poles FCU” on the back, and write your account number under the endorsement. Be sure to include this information: without it, we may not be able to locate your account and process your check.

Then, mail it to the addresses below:

United Poles FCU, 412 New Brunswick Ave, Perth Amboy, NJ 08861


Deposit via ATM

Check to see if there is an ATM that accepts deposits nearby, by clicking here and inputting your Zip Code.

The IRS does not have my direct deposit information. What can I do?

In the coming weeks, the IRS plans to develop a web-based portal for individuals to provide their banking information online. You'll need to visit the portal and provide your bank account number and routing number so that you can receive a payment directly to your bank account. Otherwise, you'll have to wait for a check in the mail.

Source: IRS

Am I eligible for an economic impact payment?

Tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment. For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $99,000 and $198,000 for joint filers with no children are not eligible.

Eligible taxpayers who filed tax returns for either 2019 or 2018 and provided direct deposit information will automatically receive an economic impact payment of up to $1,200 for individuals or $2,400 for married couples - no additional action required. Parents also receive $500 for each qualifying child. Social Security recipients who are not typically required to file a tax return do not need to take action. You will receive your payment directly in your bank account where you receive your Social Security benefit. If you typically receive a paper benefit check, you'll want to visit the IRS portal to provide your direct deposit information to get paid as quickly as possible.

If you’re not typically required to file taxes and don’t receive Social Security benefits, you’ll need to file a simple return with your banking information. Visit irs.gov/coronavirus for more information.

The eligibility for, and amount of stimulus payments, will vary according to your income and family situation, but you can find examples of the various scenarios here.

Source: U.S. Treasury

How much money am I eligible for?

According to the U.S. Treasury, tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment. For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $99,000 and $198,000 for joint filers with no children are not eligible.

Eligible taxpayers who filed tax returns for either 2019 or 2018 and provided direct deposit information will automatically receive an economic impact payment of up to $1,200 for individuals or $2,400 for married couples - no additional action required. Parents also receive $500 for each qualifying child.

If you’re not typically required to file taxes and don’t receive Social Security benefits, you’ll need to file a simple return.

Visit irs.gov/coronavirus for more information.

Need help finding your account or routing number?

Our routing number is 221277971

In the coming weeks, the IRS will be developing a web-based portal where you can check the status of your refund and provide your direct deposit information. If you need help finding your account or routing number, here are the easiest methods.

You can typically find your account and routing number on the bottom left-hand corner of a personal check. The routing number is the first set of numbers and is typically nine digits. The next set of numbers — just to the right of the routing number — is your account number.

If you don’t have a check handy, you may be able to find the account and routing number on your statements or online banking

Protect yourself from fraud and scams

Scammers are already trying to take advantage of COVID-19 to steal your money or personal information. Be aware, they may:

• Ask you to sign over your economic impact payment check to them.

• Ask by phone, email, text or social media for verification of personal and/or banking information saying that the information is needed to receive or speed up your economic impact payment.

• Suggest you can get a tax refund or economic impact payment faster by working on your behalf. This scam could be conducted by social media or even in person.

Learn more about protecting yourself from fraud and scams in the FAQs below.

Tools to help you manage your money

Use mobile and online banking for fast and easy access to managing your money.

• Online banking and mobile banking: Check balances, pay bills, transfer money and more.

• Mobile check deposit: Take a quick photo of a check to make a deposit in our app.

Learn More about online and mobile banking

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