America's Banks Are Here to Help

Since the start of the government shutdown on October 1, 2025, America’s banks have taken actions to help federal employees, members of the military and their families, and federal contractors who have been affected. The assistance they are offering to customers (depending on their individual circumstances) may include fee waivers, loan modifications, payment deadline extensions, payroll advances, low-rate and zero-rate loans as well as other accommodations. ABA encourages federal employees and others in need to continue to reach out to their financial institutions to see what help is available.

Note: To be added to this list, banks should email a summary of their initiatives to Mike Townsend at [email protected]

Last updated October 3, 2025.

ATLANTIC UNION BANK

• Encouraging federal employees affected by the government shutdown to reach out to their customer care center as soon as possible to discuss potential solutions. (SOURCE)

CITIZENS BANK

• Encouraging customers affected by the government shutdown to reach out to the bank to discuss flexible payment options such as adjusting the customer's payment due date and/or setting up a hardship plan.(SOURCE)

FIRST INTERSTATE BANK

• Encouraging customers affected by the government shutdown to contact them as soon as possible to discuss potential financial flexibility options. (SOURCE)

FIRST UNITED BANK & TRUST

• Encouraging customers affected by the government shutdown to contact them to discuss options. (SOURCE)

MONSON SAVINGS BANK

• Encouraging federal employees, government contractors, or those otherwise financially impacted by the federal government shutdown to contact the bank to discuss personalized solutions that address their hardships. (SOURCE)
• Will work closely with affected customers to minimize disruptions to government-funded lending programs, IRS Verification, and the National Flood Insurance Program to ensure a smooth process.

REGIONS BANK

• The bank is helping impacted customers with a range of options that may include:
  • Qualified deposit account fee refunds, including overdraft fees;
  • One-time penalty-free withdrawal from their Regions CD;
  • Loan payment assistance;
  • Payment deferrals for current credit card holders; and
  • Special fixed rate on unsecured personal loan less than $5,000 with qualifying credit, with 60-day deferred first payment.
• Additional information about the bank's customer assistance programs and offers can be found on this new section of Regions.com dedicated to the government shutdown.

SANTANDER

• Offering several relief programs to support affected customers through any hardships:
  • "We recognize that this shutdown could cause disruptions for customers who are federal government employees, contractors, or subcontractors. To help, our businesses across the U.S. offer several relief programs to support customers through any hardships. Our customer-facing colleagues are being briefed on these options, so they can provide assistance as needed." - 10/1/25 note to Santander US employees from CEO Christiana Riley

TD BANK

• Activated the TD Cares program to help furloughed federal employees, federal contractors, and other TD clients whose federal benefits are impacted by the U.S Government shutdown. The program features: (SOURCE)
  • Eligible Fees refunded during the U.S. Government Shutdown - Impacted clients may request refunds on certain fees, such as Overdraft Fees, Non-TD ATM Fees, and Monthly Maintenance fees. And if impacted clients need access to the funds in their Certificate of Deposit (CD), the bank will waive the early withdrawal penalty on a CD.
  • Late fee refunds on most TD Bank, N.A. Visa credit cards - Impacted clients who receive late charges on a TD Bank Visa credit card can contact TD Credit Card Assistance by calling the phone number that appears on the back of the card to see what assistance is available.
  • Loan assistance - Impacted clients struggling to make a mortgage, home equity, personal or TD Auto Finance loan payment to TD Bank due to financial hardship caused by the government shutdown should call TD to learn more about opportunities for short-term relief.
  • Commercial and Small business loan assistance - Commercial and Small Business clients who experience a hardship resulting from the government shutdown may be eligible for fee refunds on their loan or line of credit. Clients should contact their relationship manager.

UNION BANK AND TRUST

• Offering assistance with loans and deposit accounts, including hardship extensions and fee waivers. (SOURCE)
• Offering existing loan or deposit account customers who are impacted by the government shutdown a short-term unsecured Ready Loan for $1,000-$5,000. There is no origination fee and no payment due for 60 days. The customer must complete an application and qualify using the bank's standard credit qualifications.
• Checking Plus customers in good standing can request an increase of up to $1,000.

USAA

• Members who are employed by an impacted federal agency and have received an eligible direct deposit into a USAA checking or savings account within 30 days prior to the beginning of the shutdown will be able to apply for a no-interest loan equal to the amount of one net paycheck, up to $6,000. (SOURCE)
• Members may also be eligible for a variety of payment relief offers across USAA banking and insurance products.
• USAA will proactively notify members when loan applications and financial assistance programs are made available, if and when a government shutdown becomes imminent. Once available, applications can be easily completed on the USAA app, USAA.com, and over the phone.