Our Response to COVID-19

Updated as of May 11, 1:25 pm, ET

Following guidance from the CDC and the State of Florida, we have implemented a phased approach to restoring full service at our branches. Be assured, your safety and the safety of our team members remain our guiding priorities. Most transactions may be conducted via the drive-thru. Appointments may be made for any services that cannot be conducted in the drive-thru. We have adopted stringent disinfecting protocols and procedures so each office will be cleaned after every appointment, all while continuing to provide outstanding service. Whether you choose to manage your finances through online banking, our mobile app, or in person, you can count us in.


Kevin Miller, President & CEO

Federal Government Economic Impact Payment (Stimulus Check)

The Treasury Department and the IRS have confirmed that the distribution of the economic impact payments (stimulus checks) for qualified households will begin mid-April. For most people, no action is required. These payments will come directly from the IRS; therefore, they are the best source for information. Please visit the IRS Website for more information.

Please be cautious of scams. Our Security Center provides valuable information to help you detect and protect yourself from being scammed.

How we are helping.

Haga clic aquí para obtener una versión en español de esta sección.

If you need further assistance beyond these options provided, please contact us. We are here to help you. Count us In.


Loan Payments

Your financial well-being is our priority. To proactively provide financial assistance to our members during these difficult times, in April we automatically moved our member’s consumer loan due date forward one month. If you continue to face hardship, we have other options to assist you. Please contact us.


Credit Card Payments

We understand the financial hardship you are experiencing. To help lighten the burden, credit card payments due in May will be automatically deferred for members in good standing. You will not need to do anything to make this happen. Your minimum amount due will reflect $0.00. If you have automatic payments set up to pay your credit card, you will need to cancel it in the same manner that you had originally set it up.

Your credit card balance will continue to accrue interest during the deferral period. You can continue to make payments if you are financially able to do so. It will save you money in the long-run. If you elect to make a payment, the payment will be applied to the cycle that it is received. Payments applied to the credit card will not advance forward to pay for the next cycle or due date.

If you need further assistance, please do not hesitate to contact us.



Our Skip-A-Pay program is offered year round for members who want to defer their consumer loan payment by one month within a 12 month rolling period. To provide our members with financial relief during these difficult times, we are now offering members the ability to do two Skip-a-Pays within a 12 month rolling period.


Waived Skip-A-Pay Fees

Normally, there is a $15 application fee associated with Skip-A-Pay. We have waived our Skip-A-Pay application fee for all members during this crisis. With Skip-A-Pay, you will not need to make a payment for the next two months.

What if I already used Skip-A-Pay?

Members who took advantage of Skip-A-Pay in the last 12 months may use it an additional time at no fee for COVID-19 financial relief


Waived CD Early Withdrawal Fee

We are waiving early withdrawal penalties on your CDs to make it easy for you to access your money when you need it.


Disaster Assistance Loan

We are offering our Disaster Assistance Loan as an option for members who have been impacted financially by COVID-19.

Our branch hours.

Addition Financial takes the health and safety of our members, team members and community members very seriously. We have developed and implemented solutions so we can continue to serve you while following social distancing mandates.

We have increased our hours of service at the drive-thru and every operating branch is now open on Saturdays. So when you need to visit us, you can count us in.

  • Monday–Wednesday: 8 a.m.–5 p.m.
  • Thursday: 10 a.m.–5 p.m.
  • Friday: 8 a.m.–5 p.m.
  • Saturday: 9 a.m.–1 p.m.

Three branches are temporarily closed: Addition Financial Arena, Downtown Campus, and UCF Campus.


The following services are available in our drive thru:

  • Withdrawals & deposits
  • Payments
  • Cash advances
  • Cashiers checks
  • Money orders

Lobby services available by appointment only:

The following services may be conducted in-branch by appointment only. To book an appointment, please click here.

  • Apply for a loan, mortgage or credit card
  • Open a new checking, savings or IRA account
  • Open a certificate of deposit
  • Open a business services relationship
  • Access your safe deposit box
  • Medallion and Notary services
  • Wire transfers
  • New debit card printing

Need to dispute a charge due to COVID-19 disruptions?

We understand that many travel and entertainment plans have been impacted by the situation. Our top priority is to help our members through these difficult and often frustrating times. You can count us in to help with any transaction disputes that involve a disruption due to COVID-19.


The First Step is to Contact the Merchant Directly

The quickest way to resolve an issue with cancellations, re-bookings, or refunds is to reach out to the merchant directly. Many of the businesses affected by COVID-19 have implemented flexible policies in order to better service consumers impacted by cancellations and travel restrictions.


Filing a Dispute with Us

If you have already contacted the merchant and they were unwilling or unable to resolve your issue, please do not hesitate to file a dispute with us through the following channels: 

Debit Card: In online banking, click “Dispute Debit Transaction” and follow the steps to file a dispute. Or give us a call at 407-896-9411.

Credit Card: In your transaction history in online banking, click the dispute link next to the posted purchase. Or call at 800-449-7728.

What you can do.

We encourage you to take steps to protect your own family. For the latest information, guidance and planning recommendation, please click here to be redirected to the CDC household readiness website.

  1. 1
    Online Banking: You can access your accounts in online banking. If you have not yet enrolled, you can  register now. Having difficulty registering or using online banking? Watch our how-to videos.
  2. 2
    Download the mobile app: Members are encouraged to download the Addition Financial app in the App Store or Google Play. Through the app, you can complete transactions such as depositing checks, making loan payments and conducting internal and external transfers.
  3. 3
    Visit an ATM: Check our Locations & Hours page to find a convenient ATM location. You may also access your funds at any Presto! ATM. And when you use your Addition Financial debit card at a Presto! ATM it's surcharge-free.
  4. 4
    Contactless Cards: As a reminder, all Addition Financial debit and credit cards can be used at terminals that allow you to tap or wave the card and go. Using your contactless card allows you to avoid touching the payment terminal.
  5. 5
    Digital Wallets: Options for contactless transactions include connecting your debit card to Apple Pay®, Samsung Pay® and Google Pay™. Or, you can use any credit card at retailers if you do not want to enter your PIN, and it’s a good idea to carry a pen to sign any receipts as well as hand sanitizer to avoid germs.
  6. 6
    Be cautious of scams: Many fraudsters take advantage of scary scenarios to spread malicious links. One popular phishing scam circulating now is a link promising a map-view of the coronavirus spread. Be suspicious of any links online and only click on links from sources you trust. To learn more about avoiding fraud visit our Security Center.

Our promise to our employees.

We are implementing measures internally to help prevent the spread of the virus. We have shared instructions with our staff on the importance of washing their hands, using hand sanitizer, and frequently wiping down their work surfaces with sanitizing wipes. Cleaning services at all of our facilities have been stepped up with additional janitorial staff and supplies. All employees have been asked to refrain from non-critical travel. We have postponed or cancelled all large meetings and gatherings. We value our employees and understand the need for flexibility. We have implemented flex scheduling for caregivers, provided emergency paid time off for ill employees, and continue to move employees to remote work when possible.

Our commitment to you.

We remain secure. Your funds on deposit with Addition Financial are insured up to $250,000 by the NCUA. It’s like the FDIC but for credit unions. Plus, Addition Financial is strong, secure and well capitalized. As a member, you are an owner of the credit union. We take that responsibility very seriously, so we will continue to make decisions during this unprecedented time in our history based on your needs and the needs of the organization.

Our support to the community.

As local schools and families are financially impacted by COVID-19, Addition Financial has donated more than $30,000 to local nonprofits to support their food banks, emergency funds for students and staff, and other needs. Our donations support A Gift For Teaching, the Foundation for Orange County Public Schools, the Foundation for Seminole County Public Schools, the Education Foundation of Osceola County, the Education Foundation of Lake County, UCF, Seminole State College, and Valencia College.

In addition, we know our healthcare workers are bravely fighting each day to provide medical assistance and relief to our sick. Addition Financial has donated our supply of 4,000 masks to Orlando Health to ensure the healthcare workers stay healthy.

Supporting front-line healthcare staff

To help support our local health care providers, we've partnered with Advent Health to raise funds to support the staff on the front lines. One hundred percent of your donation will go toward things like food and lodging for on-call staff, and care packages for caregivers who have been affected by COVID-19.

Make a donation by calling us at (407) 896-9411 and asking a representative to transfer the amount you would like to donate.

On the + Side.

We’ve developed On The + Side, a weekly blog full of positive news and resources to keep you in good spirits during this time of uncertainty. With social distancing, school closures and curfews in place, we are experiencing an unprecedented new normal that has required us to make significant adjustments to the way we live our lives. Through our On The + Side series, we hope to make life a little easier as you navigate this time of major transition.

Read our On the + Side blog here.