Lobbies are now open

WinSouth Credit Union is continually monitoring the impact that COVID-19 is having on our members and our staff. Stay up to date with our latest changes by following us on social media, opting in for our marketing e-mails, and visiting our website. We understand that this is a trying time for everyone and appreciate your patience as we adjust our work environment to better serve our members. If you or your family are impacted by COVID-19 and need financial support, WinSouth is here to help. Please feel free to reach out to us at [email protected] or give us a call at 800-757-7302. 

May 22nd: Regular business hours resume

We are pleased to announce that our lobbies are now open, and we have resumed normal business hours. As a reminder, we have two locations that are open to serve you on Saturdays. Our Rainbow City office is open from 8:30-12:30 on Saturdays to both lobby and drive-thru traffic, and our Albert Rains location is open to drive-thru traffic from 8:30-12:00. All branches will be open half a day on Wednesday. Please see our hours and locations page for specific branch hours. 


May 21st: Lobbies open Friday

We are happy to announce that WinSouth is in phase one of reopening! 

When visiting our branch lobbies, follow the instructions below: 

  • Each branch will have a limited number of members that are allowed inside at one time. This will vary based on the branch location. Only the person conducting the transaction is allowed in the branch.

  • Masks are not required, but we do encourage them.

  • “Stand Here” floor decals have been placed 6 feet apart to ensure social distancing. Please follow the decals along with the directional signage in each lobby to help us adhere to these guidelines.

  • Hand sanitizer stations have been placed in each lobby. Please sanitize before conducting your transaction with the teller or loan officer. 

If you have cold, flu, COVID-19 like symptoms, or have been exposed to anyone experiencing any of these symptoms, please make use of our other digital banking services offered.

If you have additional questions, please view our FAQs below.

How many members can be in the lobby at one time?

Due to social distancing, each lobby will have a set number of members that are allowed inside. This will vary by branch. 

Can children come into the lobby?

No. During phase one, we ask that children do not come inside the lobby. This is primarily due to the restricted number of members allowed in the office. Members can be assisted through the drive-thru for all of their banking needs. 

Do I have to wear a mask?

No. Members do not have to wear a mask but we do encourage it. 

Can I come inside to speak to a loan officer?

Members can still be assisted for all of their lending needs by phone, online applications, and through the drive-thru. If you would like to come inside for your lending needs, a loan officer will speak with you and gather all information required to complete the loan process. The member will then wait in the lobby or in their vehicle while the loan officer completes the loan. Members are not allowed in the loan officer’s office during phase one. 

Do I need to make an appointment to speak with a loan officer?

No. Members are not required to schedule an appointment to meet with a loan officer but it would speed up the process if you did. Please call your local branch to schedule an appointment.

What precautions are in place to help prevent the spread of COVID-19 and other illnesses?

The health and well being of our members and employees is our top priority. We have set up our lobbies and implemented new procedures and safeguards to help make this process efficient and safe. Enhanced sanitizing and disinfecting measures are also conducted throughout the day by staff and nightly by our cleaning crews. Protective barriers have been installed on all teller stations and have been placed on all loan officer desks to help prevent the spread of illnesses. Floor decals have also been installed to ensure social distancing. 

 Members can still be assisted through the drive-thru for all of their banking needs, so we encourage those that are comfortable to continue using the drive-thru, digital services, and ATMs.

Please be patient as we all work together to reach phase two and, eventually, return to some semblance of normalcy.


May 15th: Preparing to reopen the lobbies

As we prepare to reopen our lobbies for phase one, we ask that if you are experiencing any flu, cold, or COVID-like symptoms to please use our other banking options offered. Members can still be assisted through the drive-thru for all of their banking needs. We encourage those that are comfortable to continue using the drive thru, digital services, and ATMs. The health and well being of our members and employees is our top priority. We have set up our lobbies and implemented new procedures, safeguards, and social distancing guidelines to help make this process efficient and safe. Enhanced sanitizing and disinfecting measures are also conducted throughout the day by staff and nightly by our cleaning crews. We want to make sure that we have taken all neccesary precautions before we open our lobbies. continue to visit our website, social media pages, or subscribe to our email blast to stay up to date on all the latest WinSouth news. Members can sign up for email blast through our Facebook page.


May 6th: Important Message For Members With Credit Insurance

If you elected Credit Life or Disability Insurance, underwritten by CMFG Life Insurance Company, on your loan with us and are facing financial troubles due to a covered loss, please contact us to file a claim or discuss what benefits may be available under the coverage. As part of the same community, WinSouth is committed to doing our part to keep us safe and sound throughout ongoing developments related to the coronavirus (COVID-19).


April 20th: Quick Tips to ensure your CARES Act check is legitimate

If you receive your CARES Act check in the mail, look over these quick tips and compare your check to ensure that it is legitimate. Scams, especially check scams, will be on the rise as these check start to go out. 

  • Look for the “Treasury Seal” placed to the right of the Statue of Liberty on the check
  • Checks will have “Bureau of the Fiscal Service" written on them
  •  U.S. Treasury checks are printed on watermark paper, which will read “U.S. TREASURY” and can be seen from both the front and the back of the check when held up to a light
  • Legitimate checks will also have microprinting on the back of the check with the words “USAUSAUSA.”
  • The lower right side of the Statue of Liberty imprinted on the check will read: “Economic Impact Payment President Donald J. Trump.”

April 10th: Closed for Good Friday

All branches will be closed April 10th for Good Friday. We hope everyone has a safe and Happy Easter. Rainbow City and Gadsden city branch will be back open on Saturday with normal business hours, operating via drive-thru only.

April 9, 2020: CARES Act Check Scams

As the US Government begins distributing relief checks under the CARES Act, potential fraud, phishing attempts, ransomware attempts, and other scams will be on the rise. Be careful when opening emails, texts, or answering phone calls related to the CARES Act relief checks. Never give out your personal information, especially your social security number and account number, to persons or organizations that have contacted you. It is highly unlikely that the Government or your financial institution will contact you and ask for personal information as they already have it. 

March 31, 2020: Helpful Links                                                                        

Disaster Assistance for small businesses: https://www.sba.gov/funding-programs/disaster-assistance 

COVID-19 Rumors vs. Facts https://www.fema.gov/Coronavirus-Rumor-Control

Free meals for school-age children http://www.breakforaplate.com/


March 28, 2020: First of the month checks could result in higher traffic

Please be patient with us as this week the drive-thrus will have more traffic than usual. If you don’t need a receipt for your transaction, feel free to use the night deposit as a method for your deposits and loan payments. 

March 27, 2020: Loans                                                                                           

WinSouth offers personal and signature loans to our members without them ever having to step foot in a branch. You may apply online or by phone and a loan officer will contact you to discuss your application. Once the loan is approved, we can send your loan documents electronically using DocuSign. For other loan types, you can apply online or call and one of our Loan Officers will contact you with your next steps. You can apply at winsouthcu.com or call 800-757-7302


March 27, 2020: SBA Loans

Attention Small Businesses:  Winsouth Credit Union does not make SBA Loans. To apply for a COVID-19 Economic Injury Disaster Loan click here.  Disasterloan.sba.gov

Scotty Wilson, Mortgage Loan, and Member Business Lending Manager


March 24, 2020: Easy ways to bank from home.       

If you are staying home during this time then we encourage you to visit our website HERE and/ or download the WinSouth mobile app through the Apple Store or Google Play Store. Below you can find a list of the digital services that we offer so that you can bank from the comfort of your home.  

Convenient digital services offered to assist you with your day to day banking needs:

Online/Mobile Banking : Enroll online with your computer or through our mobile app via a smartphone/ iPad. By enrolling in online/mobile banking, you will have access to account transfers, transaction history, e-statements, bill pay, and loan payments. Start Here. 

iTalk/ 24 hr account access: iTalk is a 24 hr telephone banking service that offers 24/7 access to your accounts. Through iTalk, members can transfer funds within the same account, check account balances, confirm checks that have cleared, and deactivate or report a lost/stolen debit card. Click here for information on how to set up iTalk.

Online Loan Payments: You can now pay your WinSouth loans with a debit or credit card. Pay here.

ATM/Debit Card

Make sure that you have an active ATM/ Debit card with a PIN# to make purchases, perform online transactions, and to withdraw cash from an ATM if needed. 

Online Bill Pay: WinSouth’s BillPay can be set up through online banking and may be accessed through the WSCU mobile app to schedule payments to companies. 

EStatements/eDocuments: Estatements and eDocuments can be accessed through online banking or the WSCU mobile app. 

Night Drop DepositsIf you still prefer to make your loan payments via check or cash, each WinSouth branch offers a night deposit dropbox. Also, feel free to mail your payments directly to each branch.


March 23, 2020: Be aware of scammers during times of crisis

During this time, please be aware that scams and fraudulent activity will be at an all-time high. Several scams have already been reported at this time. Make sure you verify the company that you are speaking with if they call you and be very cautious giving out personal information over the phone or e-mail. You can always hang up and call the company to verify that the call or e-mail was legitimate. Here are some tips to help protect your identity and financial information. 


March 19, 2020: Branch Operations Update

We are taking the COVID-19 health threat very seriously and value the health and wellbeing of our employees and members. We strive to keep a clean and healthy environment, and we encourage everyone to take the precautions recommended by the CDC. The safety and health of our members and employees is always a top priority for the credit union. Therefore, we have decided to close all branch lobbies starting March 19th. Members can still conduct transactions through the drive-thru, electronically, or by phone. During this time that our lobbies are closed, we will be offering extended drive-thru hours on Wednesdays until 4:30 for all WinSouth branches. 


Please be aware that wait times in drive-thrus may be extended due to additional services offered that are normally provided in-branch. Also, be prepared to provide valid, unexpired identification and answer potential account security questions. This is to ensure the protection of your account. 


If you or your family are impacted by COVID-19 and need financial support, WinSouth is here to help. Please feel free to reach out to us at [email protected] or 800-757-7302.


We appreciate your business and thank you for your patience. We will continue to monitor this situation closely. Please continue to check your emails from us and visit our website and social media sites for updates.