Convenient Services

Government Stimulus Payments

With COVID-19 putting a financial strain on American families and businesses, we know many of us are counting on the government stimulus payments.

Congress's latest coronavirus relief package, the Coronavirus Aid, Relief, and Economic Security (CARES) Act, is the largest economic relief bill in U.S. history and will allocate $2.2 trillion in support to individuals and businesses affected by the pandemic and economic downturn. Many people have questions about how the new law impacts their families and businesses. The IRS recently provided more information on payments that have begun going out.

Remember, for most Americans, no action is required. The IRS will use data from the most current tax returns or Social Security data to provide a payment to Americans either via direct deposit (if such information is available) or through a paper check in the mail to the last address on file.

For eligible individuals that did not file a tax return in 2018 or 2019, the IRS has also provided a link for non-tax filers with instructions on how they can receive their Economic Impact Payment.

If you are setting up a direct deposit to a Ridgewood Savings Bank account, our routing number is 226071033.

Learn more about how the IRS is helping.

The IRS has put together an Economic Impact Payment Information Center FAQ webpage for the latest information and answers to your questions such as:

  • Will I get a payment, and how much will it be?
  • How will I receive it, and when?
  • Will I need to do anything to get it?


You can also check the status of your Economic Impact Payment by visiting the IRS Get My Payment webpage.

To help you prepare we recommend that you do the following:

  • Use Online and Mobile Banking to check your transactions, and see if your Economic Impact Payment from the IRS has been deposited. Sign up for Online Banking or download our Mobile Banking App today!
  • Set-up Alerts and Notifications so you know when deposits are posted to your account.  
    • To set-up an Alerts and Notification sign in to Online Banking, and select "Mobile Banking and Alerts".
    • When you set up your alert, make sure you choose the checking or savings account that you expect the payment to be deposited.
  • Use Mobile Check Deposit, so you can deposit checks into your checking account with your mobile phone or tablet from the Ridgewood Mobile Banking App.
    • Sign in to Mobile Banking and select "Check Deposit" and follow the instructions. If you do not have the Mobile Banking App, download it today.
  • If you are setting up a direct deposit to a Ridgewood Savings Bank account, our routing number is 226071033

If you have any questions or need help getting started, we're here for you. Call our Customer Contact Center at (718) 240-4778, Monday - Friday: 8AM - 7PM, Saturday: 8AM - 3PM.

Beware of Scams

The U.S. Secret Service has already reported criminals using stimulus-themed emails and text messages to trick individuals into providing personally identifiable information. Please make sure that you visit the IRS website for the most current information available. The IRS is providing updates as soon as they have information available. You can follow the IRS on social media and sign-up for IRS e-news subscriptions to urgent updates on COVID-19, scams and economic impact payment information.


COVID-19 Scams and What You Need to Know:

During this time of uncertainty, many scammers are taking advantage of the fears surrounding COVID-19. According to the Federal Trade Commission, here are a few tips to keep in mind.

  • Don’t click on unknown links. It could download a virus onto your computer.
  • Don’t click on links that say they have information from the CDC.
  • Be alert about making donations to charities online. If someone asks for donations in cash, by gift card, or wiring money, don’t do it.
  • Be alert to “investment opportunities”. The Securities and Exchange Commission is warning people about online promotions of stocks that claim a cure for COVID-19.


Phishers are always looking for topical subjects that will capture a victim’s attention. They will use the virus as a lure in the subject line to claim news about the infections or the virus itself. Phishing is an entry point for a variety of exploits, including stealing identities or money and delivering malware onto a victim’s computer. Do not click on the unknown, especially not password reset requests.

Helpful Services:

  • Card Controls: Take control of your Ridgewood debit card and help prevent unauthorized transactions, right from your phone using our Mobile Banking App. Get real-time alerts, control how the card is used and even turn your card "off" if it's ever lost or stolen. Learn more.
  • Identity Protection Services: Our Identity protection services available through EZShield are easy to use, highly advanced and accessible where and when you need it. Learn more.
  • EZShield ID Restoration is available for free to all Ridgewood Checking customers. If you have been victimized by fraud or Identity Theft, you can contact a certified U.S. Resolution specialist for the End2End(r) 32-step restoration process by calling (833) 464-8099.
  • Debit Card Fraud Text Alerts: If there’s a suspicious transaction, find out fast with real-time alerts via Debit Card Fraud Text Alerts. Message rates may apply. Signing up is easy; simply sign in to Ridgewood Online Banking and select "SMS Fraud Text Alert Enrollment" that is available in the "Additional Services" tab, or call our Customer Contact Center at (718) 240-4778 to get started, Monday - Friday: 8AM - 7PM, Saturday: 8AM - 3PM.

Additional Helpful Resources:


Services are subject to change without notice.