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Branch Operations Status

While our lobbies are open for teller service, we still encourage usage of our ATMs and drive-thru.

We ask that members make a branch appointment for anything other than a teller transaction. Please email us at [email protected] to schedule your visit. Face masks will be required for all branch appointments.


MEMBER RELEASE: July 5, 2020

Due to a branch employee testing positive for coronavirus (COVID-19), our Milledgeville branch will operate with drive-thru only services starting Monday, July 6, 2020. All remaining branch team members are being tested and have been asked to self-isolate until it is deemed safe for them to return. Over the holiday weekend, the Milledgeville branch was thoroughly disinfected.

When the branch opens on Monday, it will be staffed with team members from other branch locations. A limited number of in-lobby appointments will be available daily. Please continue to schedule your visit at [email protected]. Face masks will be required for all branch appointments.

MEMBER RELEASE: July 2, 2020
While our top priority is helping our members manage their finances on a daily basis, we also care about the personal well-being and safety of our members. Due to the rising COVID-19 cases in Georgia and within our service area, effective Monday, July 6, 2020, we will require a face mask to be worn at all times when entering our branch lobbies. In order to safeguard both our members and team members from potential COVID-19 exposure, we are also requiring our team members to wear a face mask.

We encourage members to use our drive-thru for in-person teller transactions.

Members should still make a branch appointment for anything other than a teller transaction. Please email us at [email protected] to schedule your visit.

We will continue to monitor the situation and will make any necessary changes should the need arise.

We offer several other ways that you can continue to bank seamlessly from the comfort of your own home, or while honoring social distancing:

MEMBER RELEASE: June 16, 2020

We have good news to share! After three months of modified branch access, MidSouth Community FCU will reopen branch lobbies for walk-in service on Monday, June 22, 2020. While our lobbies will be open for teller service, we still encourage usage of our ATMs and drive-thru.

We ask that members make a branch appointment for anything other than a teller transaction. Please email us at [email protected] to schedule your visit.

As we open our branches, we encourage all members to review your symptoms and exposure prior to making a branch visit. If you have a fever, or exhibit any signs of illness, or if there is a possibility you have been exposed to COVID-19, please do not enter the branch.

We’re doing our part to make your lobby experience as safe as possible for everyone, and we need your help. When you come into our branches, you can expect the following:

  • Lobby Capacity Limits: We will limit the number of members that are in the lobby at one time to allow for proper physical distancing in every branch.
  • Social Distancing: We installed floor markers to encourage proper physical distance between yourself, other members, and our team members.
  • Protective Barriers: We installed protective barriers at our teller lines and MSR desks to protect both you and our team members.
  • Cleaning and Disinfecting: We are following enhanced cleaning and disinfecting protocol that includes cleaning commonly used areas and equipment in high-touch surfaces.
  • Limited Exposure: We will be prohibiting outside food and beverage from entering the branch locations, and additionally will not allow restroom use by non-MidSouth Community FCU employees to limit contact and exposure.

Lastly, we want to remind you that we offer several other ways that you can continue to bank seamlessly from the comfort of your own home, or while honoring social distancing:

  • Contact our Call Center at 478.471.9946
  • Utilize our automated phone system, EZ Call 478.757.7985 | 1.866.878.5101
  • Apply for a loan with our Lending Center at 478.475.7819
  • Login to Online Banking
  • Download the MidSouth Mobile app
  • Download the MidSouth MyCard app if you have a MidSouth Community FCU Visa® debit or credit card for real-time transaction alerts and to turn your card on and off

MEMBER RELEASE: May 21, 2020

At MidSouth Community Federal Credit Union, we put our members and team members at the forefront of the decisions we make. We are carefully evaluating the trend of COVID-19 cases in Georgia and continue to adhere to guidance from public health officials. After careful assessment of these factors, we believe it is prudent to continue our current process to limit transactions to our drive-thru lanes only.

Below are helpful details about our operations during this time:

  • Teller Transactions – Until further notice, all teller transactions will be completed using our drive-thru lanes. In addition, we offer 24-hour service through our ATM locations for both withdrawals and deposits.
  • Account Opening – Member Service Representatives are available at our Mercer, Watson, and Milledgeville branch locations by appointment for your new account needs, or for servicing your existing accounts. To book an appointment, call 478.471.9946 or email us at [email protected].
  • Loans – Our Lending Center has remained open and active, and we continue to meet our members’ borrowing needs. To take advantage of our great loan rates, apply for a loan by phone at 478.475.7819, or apply online anytime.
  • Call Center – Our phone service agents are ready to assist you. While our phone volume has increased during this challenging time, we have successfully shifted team members to assist members over the phone and our service level has remained excellent.
Most of all, we encourage you to use our remote banking options:
  • Online Banking & Bill Pay
  • Mobile Banking with our mobile app
  • EZ Call, our 24/7 automated phone system   478.757.7985 | 1.866.878.5101

We are delighted to have been able to meet our members’ needs since the temporary adjustment to our in-person operations went into effect on March 21st. At the beginning of June, we will reassess the appropriateness of reopening the branch lobbies and decide when and how to cautiously move forward.

We will update you in advance of our intentions.

MEMBER RELEASE: April 23, 2020

What to know about the Coronavirus Aid, Relief, and Economic Security Act (CARES Act)

Our government passed the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), which is a $2 trillion stimulus bill to address the economic crisis caused by COVID-19. The bill includes direct payments to many of our members who qualify. For the latest updates on Coronavirus Tax Relief and to get answers to your Economic Impact Payment questions, we recommend visiting the IRS website.

How do I get my money?

The money would likely be deposited directly into your MidSouth Community FCU account — as long as you already authorized the IRS to send your tax refund via direct deposit to your MidSouth Community FCU account in the past two years. If you authorized direct deposit via another checking account, it should deposit into that account. If you have not authorized direct deposit for your 2018 or 2019 tax filings, the IRS will send out checks in the mail.

When will I receive my money?

MidSouth Community FCU has no way of knowing how long it will take the IRS to send your money. We do know that the IRS will begin issuing payments in April 2020. Check the status of your Economic Impact Payment here.

What if I didn’t authorize the IRS to send my tax refund to my MidSouth Community FCU account?

If the IRS doesn’t have your direct deposit information from the 2018 or 2019 tax return, and you haven’t received your payment, please click here to let the IRS know where to send your direct deposit.

What if my MidSouth Community FCU Savings or Checking account is closed?

If you authorized the IRS to send your tax refund to your MidSouth Community FCU Savings or Checking account, but the MidSouth Community FCU account is closed, then the IRS will mail your check.

MEMBER RELEASE: March 25, 2020

For over 80 years, MidSouth Community Federal Credit Union has taken great pride in helping people afford life. We know that now, more than ever, our members need our help. To assist our members during this difficult time, we have made the following temporary changes to our fees:

  • Members will be allowed unlimited ATM withdrawals (no-fees) from MidSouth Community. Keep in mind that other financial institutions may have a surcharge to use their ATM; however, you can locate a surcharge-free ATM near you.
  • All fees associated with making loan payments by phone or Home Banking using a credit card or debit card will be waived.
  • No fees will be charged for early withdrawal from a Holiday Club Account.

For members who have a current loan and are experiencing financial difficulty due to the impact of the pandemic, please contact us so we may provide assistance during this time. Assistance may be provided in the form of loan restructuring to reduce the payment amount or extending the payment term.

In addition, our Lending Center team is standing by to help any member that may benefit from a personal loan or refinancing an auto loan from another lender. Our ability to cut your auto loan interest rate to as low as 1.99% APR, along with skipping payments for up to 90 days, can provide much needed help during this time.

We take our role seriously as your financial institution and in helping you and our community get through these uncertain times.

Thank you for being a valued MidSouth Community FCU member.

MEMBER RELEASE: March 18, 2020

MidSouth Community FCU Lobby Closed, Drive-Thru Open

First, let me assure you there has been no confirmed exposure to the COVID-19 (coronavirus) at MidSouth Community FCU. We take the well-being and safety of our members and team members very seriously and they are at the heart of every decision we make.

With the COVID-19 situation in Georgia quickly changing, we are temporarily adjusting our in-person services effective Saturday, March 21, 2020. On this date, all branch lobbies will be closed and accessible by appointment only for critical needs until further notice. We understand that this may cause an inconvenience; however, we are taking these precautions to stop the virus spreading to you and our community.

MidSouth Community will continue to serve members during regular business hours at the drive-thru, by phone, online, and by appointment only using [email protected].

We pledge that you will have access to deposits and loans, and that your money is safe.

At this time, your cash needs can be handled by using our ATMs or drive-thru. We also encourage you to use our phone and online services to continue your day-to-day financial transactions:

  • Online Banking & Bill Pay
  • Mobile Banking with our mobile app
  • Call Center    478.471.9946
  • EZ Call, our 24/7 automated phone system    478.757.7985  |  1.866.878.5101
  • Lending Center   475.7819

Tips to Avoid Coronavirus Scammers

  • 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?
  • 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.
  • Be alert to “investment opportunities.” The S. Securities and Exchange Commission (SEC) is warning people about online promotions, including on social media, claiming that the products or services of publicly-traded companies can prevent, detect, or cure coronavirus and that the stock of these companies will dramatically increase in value as a result.

If you come across any suspicious claims, report them to the FTC at

We sincerely apologize for any inconvenience this may cause and we will continue to provide updates as needed.

Stay safe and healthy,

Roy Bibb, President/CEO

MEMBER RELEASE: March 16, 2020

The following branches are closed until further notice:

  • Hutchings College & Career Academy Branch | 1780 Anthony Road, Macon, GA 31204
  • Georgia College | MSU Branch | 231 W. Hancock Street, Milledgeville, GA 31061

MEMBER RELEASE: March 13, 2020

Dear Members,

As the coronavirus (COVID-19) continues to spread and raise concerns in Georgia and elsewhere, I want to share with you the actions MidSouth Community FCU is taking to protect you and our credit union community.

We are closely monitoring guidance from the Centers for Disease Control, the Georgia Department of Public Health, and local health officials for guidance to inform our decisions.

Some of the steps we are taking

• Increasing the frequency of cleaning and sanitizing our branches, operations center and main office.
• Informing our employees and encouraging them to keep themselves safe by frequently washing their hands and staying home if they are sick.
• Eliminating out-of-state business travel for our employees and non-essential visits from outside vendors who serve our credit union.

Please let us serve you

Our branches remain open for business. Our drive-thru windows and ATMs are open as well, and our call center and lending center remain staffed and ready to assist you.

Please remember that many of the services you depend on can be performed easily and securely through Home Banking, mobile banking, and by over the phone contact with our call center representatives, or with our automated phone banking system, EZ Call. Please call on us if you need assistance taking advantage of these convenient services.

As this situation evolves, we will communicate any future decisions that impact you or the services we provide on our website. We remain committed to serving you. Please know that your health and safety, along with your financial well-being, are our chief concerns.


Roy Bibb, President/CEO