Click for Stimulus Payments Update

Update – Lobby Re-opening

Effective on Monday, January 11th, 2021 our lobbies will re-open to the public.

We will continue to assist members through the drive-ups, online banking and over the phone. To help limit the spread of COVID-19, we continue to encourage members to use remote services when possible and wear masks when visiting our lobbies.


 We will be requesting attendees to wear a mask, use hand sanitizer and observe social distancing upon entering the branch.

We are adapting to safely and quickly serve you.

Spirit of Alaska Federal Credit Union has the products, service and people to keep you moving forward in your financial life and business, and stay safe as we adapt to the impacts of the coronavirus pandemic on our community.

Pull up the information you need through the links and buttons below, or keep reading for additional helpful updates.

Credit Union Services

Loan Assistance

Proactive Action in our Branches

As our state continues to address the COVID-19 pandemic in Alaska, our branches are taking proactive, preventative measures as recommended by the Center for Disease Control (CDC), the State of Alaska and other official agencies.

Service machines, canisters and doors are being sanitized regularly throughout the day. Extra precautions and sanitation measures will be taken during and after appointments.

  1. Employees are wearing masks at all times.
  2. Drive-up service has been expanded and is available at our Geist and Johansen locations.
  3. Providing hand sanitizer and tissues in all branches to employees and members.
  4. We continue to communicate with our employees on a daily basis to use appropriate safety measures in line with CDC recommendations.
  5. Employees may be limiting physical contact with members when not necessary.

The CDC has published guidance for workplace, homes and schools to help protect our community.

Download the CDC Guidance PDF

Local hotline

A local hotline for the Fairbanks area has been established if you have questions or concerns.
Call 907-458-2888.

Email Updates from ADHSS

Update 3.17.2020 – The Alaska Department of Health and Social Services (ADHSS) is providing updates to the public by text or email.

Sign up to stay informed

NCUA Safety of Deposits Announcement

Update 3.18.2020 – The National Credit Union Administration is reminding credit union members that their deposits are safe up to $250,000 in federally insured credit unions. Spirit of Alaska FCU is federally insured by the NCUA.

Read the NCUA Announcement

Economic Relief Payments

Updated on 1/26/2020

Second Round of Stimulus Payments

A press release on provides further details; see the link below.

Direct Deposit Payments

For many members, Spirit of Alaska FCU receives stimulus payment funds through Direct Deposit. However, we do not have additional information from the IRS on when stimulus payments will be available to individual members. The IRS will be using direct deposit information currently on file. For more information regarding direct deposit of your stimulus, please refer to

We recommend using Direct Deposit to quickly and securely receive your Economic Relief Payment, or stimulus check, from the IRS. Much like the Permanent Fund Dividend, you will not receive a mailed relief payment as quickly as a directly deposited payment, possibly by many weeks. See the IRS resources section for information on how to update your direct deposit information.

Apply online to open a checking account with Spirit of Alaska and take advantage of Direct Deposit. We instantly issue you a debit card in branch.

Economic Impact Payment Pre-Paid Cards

Some members will receive their payment in the mail in the form of a pre-paid Visa Card. Open all of your mail so you don’t miss it! Your card can be used like any other credit or debit card to make purchases.

For instructions on using your EIP Card, please visit

Withdrawing Cash from your EIP Card

You can transfer money from your IEP card to a Spirit of Alaska account, up to $2500 per transaction. To do so, you will need to login to your account at to start the transfer. Then withdraw cash as needed once the transfer is complete.

You can withdraw cash from the card from in-network ATM’s, although daily limits may apply. An ATM locator is available at You can also get cash-back at participating merchants, like grocery and convenience stores.

Stimulus Resources from Banzai

Relief Payment Calculator from Banzai

What To Do With Your December 2020 Stimulus Check

Who is eligible for the Second round of payments?

From the IRS: Generally, U.S. citizens and resident aliens who are not eligible to be claimed as a dependent on someone else’s income tax return are eligible for this second payment. Eligible individuals will automatically receive an Economic Impact Payment of up to $600 for individuals or $1,200 for married couples and up to $600 for each qualifying child. Generally, if you have adjusted gross income for 2019 up to $75,000 for individuals and up to $150,000 for married couples filing joint returns and surviving spouses, you will receive the full amount of the second payment. For filers with income above those amounts, the payment amount is reduced.

From our Blog: Be Smart With Your Stimulus Check

IRS Resources

For the most up-to-date information, please visit the IRS website.

For Spirit of Alaska Direct Deposit

When you sign up, be sure to use the Spirit of Alaska routing number (325272212) and your complete account number.

Demonstration of account and routing numbers on a check


Be watchful for scams

The IRS will never call you, text you, email you or contact you on a social media account. According to the IRS website:

“The IRS urges taxpayers to be on the lookout for scam artists trying to use the economic impact payments as cover for schemes to steal personal information and money. Remember, the IRS will not call , text you, email you or contact you on social media asking for personal or bank account information – even related to the economic impact payments. Also, watch out for emails with attachments or links claiming to have special information about economic impact payments or refunds.”

Additional Information Available on the IRS Economic Impact Payment Information Center

U.S. Treasury Check Security Features (opens a PDF)

Economic Relief Payments FAQ

Updated for December 2020 Relief Payments

  • What amount will be paid in the December 2020 relief check?

    Congress passed an economic relief package in late December of 2020 with a new round of stimulus payments. These payments include $600 per qualifying individual—adult and/or child.

    • Single individuals will need to earn less than $75,000 to qualify for the full amount.
    • Married couples will need to earn less than $150,000 to qualify for the full amount.
    • The amount individuals receive is reduced by $5 for every $100 above the income threshold.
    • Stimulus checks will be phased out entirely for single people earning over $87,000 or married couples earning more than $174,000
    • Individuals claimed as dependents that are older than 17 will not qualify for the checks (such as some college students or seniors that are claimed as dependents).

    Because the stimulus is based on 2019 tax returns, children born this year will most likely not receive payments.

  • Who is not eligible for a relief payment?

    From the IRS:

    Although some filers, such as high-income filers, will not qualify for an Economic Impact Payment, most will.

    Taxpayers likely won’t qualify for an Economic Impact Payment if any of the following apply:

    • You can be claimed as a dependent on someone else’s return. For example, this would include a child, student or older dependent who can be claimed on a parent’s return.
    • You do not have a valid Social Security number.
    • You are a nonresident alien.
    • You filed Form 1040-NR or Form 1040NR-EZ, Form 1040-PR or Form 1040-SS for 2019.
  • When will checks be coming available?

    From the IRS:

    The IRS emphasizes that there is no action required by eligible individuals to receive this second payment. Some Americans may see the direct deposit payments as pending or as provisional payments in their accounts before the official payment date of January 4, 2021. The IRS reminds taxpayers that the payments are automatic, and they should not contact their financial institutions or the IRS with payment timing questions.

  • What do I do if I haven't filed taxes in the last two years?

    From the IRS:

    Depending on your situation, if you didn’t file a 2019 or 2018 tax return or register for a payment using the Non-Filers tool in 2020, you may be eligible to claim the Recovery Rebate Credit when you file a 2020 tax return in 2021.

  • How can I update my Direct Deposit information with the IRS?

    From the IRS:

    The IRS will use the data already in our systems to send the new payments. Taxpayers with direct deposit information on file will receive the payment that way. For those without current direct deposit information on file, they will receive the payment as a check or debit card in the mail. For those eligible but who don’t receive the payment for any reason, it can be claimed by filing a 2020 tax return in 2021. Remember, the Economic Impact Payments are an advance payment of what will be called the Recovery Rebate Credit on the 2020 Form 1040 or Form 1040-SR.