---
title: Busey Bank | Financially Navigating a Government Shutdown
description: Busey Bank is committed to helping customers affected by the government shutdown. Our Money Matters blog provides financial tips for those affected.
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# Financially Navigating a Government Shutdown

Posted by [Busey Bank](https://moneymatters.busey.com/author/busey-bank) on Oct 2, 2025 12:53:00 PM

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Busey is committed to helping our customers affected by the federal government shutdown that began October 1, 2025.

![A government building](https://moneymatters.busey.com/hs-fs/hubfs/2412_MM_GovernmentShutdown_600%20x%20200.jpg?width=2500&height=833&name=2412_MM_GovernmentShutdown_600%20x%20200.jpg)

Busey remains strong and stable—and customers’ FDIC-insured deposits remain fully protected and readily available. To help navigate this time of financial uncertainty, here are basic tips to keep in mind:

**Review Monthly Expenses**  
Analyze your monthly expenses to determine how you can reduce costs to optimize your cash flow and also check your emergency fund savings. With a complete inventory of your household bills, you’ll be able to make a better determination of where and how you may be able to cut costs, including:

- Reducing the number of times you dine out or get takeout
- Pausing or unsubscribing from streaming services and publications
- Using coupons when shopping
- Reducing your energy costs by raising or lowering your thermostat
- Delaying large non-essential purchases

**Reach Out to Your Bank**  
Depending on your individual circumstances, your bank may be able to offer solutions to assist you, including fee waivers, loan modifications, payment deadline extensions, payroll advances, low-rate and zero-rate loans.

**Contact Your Mortgage Lender**  
Homeowners should reach out to their mortgage lender to see if payment options are available to help them during the shutdown. If you have issues paying your mortgage, the U.S. Department of Housing and Urban Development (HUD) can provide support from certified housing counselors. In addition, [Homeowner-Help.org](https://homeowner-help.org/webpages/LoanHelp.aspx)is a free online tool that connects homeowners with resources and assistance when facing financial hardships.

**Call Your Utility Companies**  
Reach out to your local utility providers to explain your situation and learn more about any potential assistance they can offer.

**Look to Organizations for Assistance**  
Local food banks may be able to assist those needing assistance during difficult times. Organizations like [FeedingAmerica.org](https://www.feedingamerica.org/) and [211.org](https://211.org/) can also help identify support in your area.

**Speak with a Credit Counselor**  
Trained credit counselors are prepared to help you assess your current situation and evaluate your best options.

**Remain Vigilant Against Fraud**  
It’s important to remain fraud aware during this time as scammers could take advantage of this situation to target you. Be wary of suspicious phone calls, emails and text messages. Busey’s [recent blog post](https://moneymatters.busey.com/busey-bank-protecting-yourself-online-cybersecurity-awareness-month-tips) offers additional tips to protect your personal information.

**Busey is Here to Help**  
Busey is working with our customers on an individual basis to tailor the appropriate relief based on their specific circumstances. If you are impacted by the government shutdown, we encourage you to contact your local [Busey banking center](https://www.busey.com/busey/customer-care/locations-and-hours) or relationship manager to find solutions best suited to your individual needs.

 

 Topics: [Financial Planning](https://moneymatters.busey.com/tag/financial-planning)

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