Just an anecdote here, but my main spending account and auto loan is with a small local credit union (SFCU). They have been very helpful and proactive in terms

Just an anecdote here, but my main spending account and auto loan is with a small local credit union (SFCU). They have been very helpful and proactive in terms of helping people with reduced cash flow. They are deferring payments on auto loans, home loans, and removing minimum payments due on credit cards [1]. Of course, interest accrues. They're not trying to go under too. But I did appreciate the proactiveness. They reached out to members via email and phone as soon as the shelter in place orders started in our area. It often pays to do business locally with smaller businesses for situations just like this. They're a bit more "human". [1] https://www.sfcu.org/covid19/ https://www.sfcu.org/covid19/