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Coronavirus Help Attorneys
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Covid-19 Resource Toolbox

We want to help you get through the financial storm that the Pandemic is sure to create. Your bills won't stop just because your income drops. 

Steps to Inform and Protect You and Your Family

Humphreys Wallace Humphreys has gathered information from various sources about specific national banks as well as from the largest banks in Oklahoma.

You need to be aware of exactly what is being offered and what that means. There are huge differences in assistance offers. A payment deferral is not payment forgiveness. You must make up and pay back any deferred payment. The question is:  when is the payment deferral due? If you are given a three-month deferral, does that mean you must pay back the entire amount being deferred at the end of the deferral, i.e., 90 days from now? Are there fees or charges, such as late fees, being assessed? If so, how much and when are they due? Is the deferral going to damage your payment history or credit score? Some banks are offering lower-cost new loans or are deferring interest on new credit cards for up to 20 billing cycles. BE SURE to ask and make sure you are getting the best price on any new loan or credit card you decide to purchase. 

As always, call or email your financial institution and confirm the specific details of the assistance you need. Get the name and email address of the representative you speak with and send an email confirming the agreement. If you cannot get an email address, at least get the employee's full name or employee ID. Be sure to make and keep good notes on what agreement was made. Document in your notes if you were refused an email address to confirm the specifics of your agreement.

Due to the public health crisis, we are offering no-charge consultations to answer your specific questions about your financial obligations to your creditors in Oklahoma and New Mexico and credit reporting, and your credit score.

Below is the information we gathered that may or may not be the most current. Be sure to check with the bank or credit union.


On March 18, this bank said it would offer relief to those experiencing financial hardship due to the coronavirus pandemic: 

  • Ally is waiving all fees related to expedited checks and debit cards, overdrafts, and excessive transactions on savings and money market accounts until July 16, 2020.

  • Auto loan payments can be deferred for up to 120 days. Referral requests for deferral of up to 120 days can be made online. No late fees will be charged, but finance charges will accrue. After payments resume, the contract will be extended by the number of months the payment was deferred. 

  • Mortgage payments for existing customers can be deferred for up to 120 days. No late fees will be charged, but interest will accrue. To apply, at any time between March 19 and July 30, customers can call 866-401-4742 or apply online by logging in to

Ally has set up a web page with more information,  Ally's coronavirus helps page.

This bank does not state when the interest that accumulates during the deferral period must be paid, at the end of the deferment or the end of the loan. Ally does not state whether any deferral you receive will be treated as a delinquency on your credit.

American Heritage Bank

This lender says it is “closely monitoring the situation” but is not offering any specific financial assistance to its customers. If you bank with them, you may need to call and request help. 

Arvest Bank

Arvest is one of the larger banks in Oklahoma based on deposits and the number of locations. Arvest is offering extensive assistance to its customers, including the following:

Account & Overdraft Fees

The first three overdraft fees per statement cycle will be automatically waived on small business and consumer checking for March and April. This will happen for all accounts and there is no need to call and make a request.

 Some additional account fees are also being waived to help you:

  • Stop payment fees

  • Telephone transfer fees

  • Early withdrawal fees on CDs

  • Telephone loan payment fees

 If you already were charged an overdraft over three before March 23, refunds for the first three will be issued to your account no later than Friday, March 27.

 Loan and Credit Assistance is possibly being provided but Arvest has so far been light on details:

Any loan and/or credit card customers dealing with hardship due to the effects of COVID-19 are encouraged to contact the bank during normal business hours to discuss their options. The number to call is: (877) 483-2940.

 This includes customers with:

  • Mortgage loans

  • Consumer loans (auto, home equity, debt consolidation, etc.)

  • Arvest consumer and/or business credit card accounts

Customers needing assistance with a business loan should contact their loan officer.

Arvest is also offering new loans with no payment for 120 days.

The Arvest Assist Personal Loan provides an option to qualified borrowers within the Arvest footprint who may be experiencing cash-flow needs, temporary interruptions in income, or similar circumstances due to the effects of COVID-19.

To apply, customers must call (888) 812-74078am-7 pm CST Monday- Friday, 9 am-1 pm Saturday.

Bank of America

Bank of America customers who need help making credit card or mortgage payments can apply for a payment deferral online. A video has been added to the bank's coronavirus help page to explain the additional assistance the bank is offering to customers.

Bank of America announced additional support that will be provided, working on a case-by-case basis, including:

  • For consumer and small business deposit accounts, clients can request refunds of overdrafts, insufficient funds, and monthly maintenance fees.

  • Clients can request deferred payments and refunds of late fees on their small business loans.

  • On auto loans, personal loans, mortgages, and home equity loans, clients can request a deferral of payment, with those payments added to the end of the loan. So long as clients are up to date, no negative credit bureau reporting will be made. 

According to the bank “Clients facing financial hardships related to the coronavirus are encouraged to visit Bank of America's coronavirus help page and contact the client services team.”

Bank of America does not state when the interest that accumulates during the deferral period must be paid, at the end of the deferment at the end of the loan. You must contact the bank if you want a refund on any fees charged and to set up

Reach out to our law firm for free help if you reach a roadblock with Bank of America.

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Reach Out to Us

Bank of Oklahoma

Bank of Oklahoma has created a financial assistance page for those experiencing financial hardship related to COVID-19.

As of March 31, 2020, Bank of Oklahoma provided these specific details:

  • The Bank is making it easier for you to move money between consumer accounts through May 31, 2020. The Bank reports it is waiving excessive withdrawal fees on savings and money market accounts as well as Overdraft Protection Transfer fees for automatic transfers between linked accounts held at Bank of Oklahoma.

  • The Bank is also waiving loan payment late fees in April 2020.
    The Bank will suspend assessing late fees on consumer loan payments, mortgage accounts, and small business loans. The Bank advises that if you are able, continue making your loan payments as scheduled.

  • If you are a mortgage or consumer and you are experiencing hardship related to COVID-19 and you need assistance, The Bank asks that you answer these questions and submit this form on its website

Capital One

Unlike many of its competitors, Capital One is not offering customers specific assistance, but instead is urging them to contact the bank directly through customer support lines

Capital One indicated assistance will vary on the type of product and individual needs. Examples include:

  • Minimum payment assistance

  • Deferred loan assistance

  • Fee suppression

 Capital One's offers seem more vague, and less helpful, than other major banks. If you need assistance from them, be sure get it in writing, including the length of any deferral, when the deferred payment amounts are to be repaid, what fees will be charged (and when they are due) and what impact  this will have on your credit score.


According to Forbes Magazine, impacted customers are to call the number on the back of their credit or debit card, or their monthly statement. 

Borrowers who need help with their mortgage payments can call 800-848-9380 or sign in and send a secure message. 

Chase is also light on specifics. For more information and updates, visit Chase's coronavirus help page. Be sure to document any agreement you reach with Chase including the specific assistance offered that you accept. Be sure to find out if the assistance offered will damage your credit score.


At least through April 8th, Citibank customers can contact the bank to request the following help:

  • Waivers on monthly service fees, for both regular and small business customers

  • Waived penalties for early CD withdrawal, for both regular and small business customers

  • Fee waivers on remote deposit capture for small business customers

  • For small business customers, bankers avaare ilable after hours and on weekends

  • Some credit card customers may be eligible for credit line increases and collection forbearance programs.

  • Some mortgage customers may be eligible for a hardship program. For assistance, call Cenlar FSB at 855-839-6253 (Mon–Fri, 8:30 a.m.–8 p.m. ET or Sat, 8:30 a.m.–5 p.m. ET).

For more information and updates, visit Citibank's coronavirus help page.

Central Bank of Oklahoma

This bank has not made public any offers of assistance to its customers. We recommend you call their customer service line at (866) 236-8744 or live chat Hours are Central Standard Time excluding bank holidays:

  • Monday - Friday: 8:00 AM to 6:00 PM

  • Saturdays: 8:00 AM to 12:00 PM

City National Bank and Trust

This bank has not made public any offers of assistance to its customers. We recommend you call their Customer Service: (866) 385-3444
Monday – Friday, 8:00 AM – 7:00 PM
Saturdays, 9:00 AM – 4:00 PM


Discover offers “qualified” Discover customers assistance and provides contact phone numbers for credit card, online banking, personal loan, home loan and student loan customers.

Discover's Customer Service operations can be reached at 800-347-7000

For more information and updates, visit Discover's coronavirus help page.

Be sure to document the specifics of any agreements with Discover and feel free to reach out to our firm for free help if you reach a roadblock.

First United Bank and Trust Company

This bank has a program to defer payments on certain loans for up to 90 days. They have not publicly announced any assistance in waiving fees or charges on any accounts.

For more information on the loan payment deferral program:

First Fidelity Bank

This bank indicates it is willing to help and that is cleaning its branches daily. First Fidelity notes on its website, that if you have been impacted and “need help with your account, please call us at the number on the back of your credit or debit card, or on your statement, to learn how we might help.”


HSBC is vague on the details of any assistance it might offer, noting simply that “bank relationship managers are available to discuss available assistance programs. Customers who have been impacted by the coronavirus and need support are invited to chat online or to call HSBC at 866-949-2351.

To learn about mortgage or home equity line of credit assistance programs that may be available, customers can call 855-806-4657 to speak with a relationship manager.” 

HSBC has created a page for updates: the coronavirus help page.

IBC Bank

Is offering assurances that  "Your Health and Wellness are our Priority" and is taking steps to limit the spread of Covid 19 in its branches, but there is no mention of any effort to help any customers financially impacted by the shutdown as of the date of posting. 

Mabry Bank

Is offering business loans that the bank is guaranteed to be repaid by the Treasury. They have closed their lobbies and offer drive up, online and mobile banking. No public announcements about helping consumer borrowers was mentioned on their website as of the date of posting. 

Midfirst Bank

Midfirst Bank says that it has implemented programs to help those affected by the pandemic.  To learn details about these programs, customers are directed to call your personal banker or 888-MIDFIRST (643-3477).

Additionally, during this time, Midfirst is offering:

  • No ATM Fees– we are waiving the MidFirst fee when using another bank's ATM (Please note the ATM owner may still charge a fee.)

  • Increased Mobile Deposit Limits– mobile deposit limits have been increased on consumer accounts to allow you to deposit more money with your smartphone

You may find for up to date information here.

NBC Bank

NBC BANK has created a webpage but at this time is not offering any specifics about its customer assistance products.


PROSPERITY BANK is not offering customers specific assistance.  PROSPERITY BANK's Coronavirus page announces that effective March 23, 2020 that the bank lobbies will provide limited access. For customers who require in-lobby service for a specific transaction such as opening accounts, access to safe deposit boxes, loans, Trust services, Brokerage, and other services, bankers will be available.

Prosperity's is directing customers to its online services including online banking, mobile banking, and ATMs.

Call Center representatives are also available to assist you with any account service needs or to answer any questions you may have. We can be reached at 1-800-531-1401, Monday - Friday, 7 am - 7 p.m. and Saturday 9 a.m. - 5 p.m.

Spirit Bank

SPIRIT BANK website does not offer any details about assistance related to COVID-19 Corona Virus other than to announce that for the time being its lobbies are open by appointment only for emergency or complicated transactions. Call us at 918-712-9292 to request an appointment time and that its drive-thrus are open regular business hours.

RCB Bank

RCB Bank website does not offer any details about assistance related to COVID-19 Corona Virus other than to announce that lobbies at its locations are temporarily closed but that drive-thrus will remain open. 

TD Bank

In order to better accommodate older customers and those most at risk for COVID-19, TD Bank has designated the first hour of its full-service store operations and customer appointment bookings for serving those clients.

In addition to some store closures that were previously announced, stores that are remaining open are operating on reduced hours. Customers who need to visit a store are encouraged to use the drive-through or to schedule an appointment in advance; safe deposit access also is available by appointment. 

Small business customers are invited to contact their relationship manager or a store manager, or to submit a request online. Available relief options include: refunds on monthly maintenance fees for business deposit accounts, deferment of payments on small business loans and lines of credit, refunds on transaction fees such as overdraft and non-TD ATM fees, waivers of certain fees for Merchant Solutions Customers and early access to business certificates of deposit with no early withdrawal penalties.

For customers who have a TD personal loan, auto loan, mortgage, home equity loan or line of credit, TD Fit Loan or TD Bank, N.A. Visa credit card, the bank can help with deferment of payments and waiving certain late payment fees.

Any customer affected financially by COVID-19 can call TD Bank at 888-751-9000. 

For more information and updates, visit TD Bank's coronavirus help page.

U.S. Bank

U.S. Bank is directing customers to mobile, online or banking by phone. Effective March 19, U.S. Bank reduced its hours of operation in all branches and is encouraging the use of drive-up services instead of inside teller service.

Any U.S. Bank customer who has been financially impacted by COVID-19 and needs immediate help can call the U.S. Bank for assistance at 888-287-7817. 

On its website, U.S. Bank is adding details to the ways in which it may be able to assist its customers—both personal banking and small business. 

Mobile check deposit limits have been raised for personal banking customers, to accommodate their increased need to bank from home. U.S. Bank is offering reduced interest rates on certain smaller personal loans and a Visa card with a 0% intro APR on purchases and balance transfer for 20 billing cycles. Be sure to ask and make sure you are getting the best pricing. 

A separate section of the website addresses mortgage help and repayment options.

For small business customers, the bank has temporarily reduced rates on business loans and lines of credit and is temporarily waiving the fee for businesses to receive money digitally from their customers with Zelle.

For more information and updates, visit U.S. Bank's coronavirus help page.

Wells Fargo

Wells Fargo customers experiencing hardship from the coronavirus can call 800-219-9739 to speak with a trained specialist about their options. This includes customers of consumer lending, small business and deposit products. According to a March 20 release

“Wells Fargo is suspending residential property foreclosure sales, evictions and involuntary automobile repossessions. The company also is offering fee waivers, payment deferrals and other expanded assistance for credit card, auto, mortgage, small business and personal lending customers who contact the company.”

Like most other bankers, Well Fargo is directing customers to use drive-up tellers, and to use mobile and online banking.

To assist homeowners, the bank is granting immediate three-month payment suspensions to mortgage customers who request assistance and has now posted FAQs specific to mortgages and home equity online.

For more information and updates, visit Wells Fargo's coronavirus help page.