By Gregory Wallace, CNN

Banks and credit unions that cater to federal workers are readying financial help for their customers as the government shutdown drags on.

The assistance includes low- or no-interest payroll advances and loans for workers facing dwindling cash reserves.

A total of 800,000 federal employees have been furloughed or working without pay since December 21, and won't receive their next paychecks until the government reopens.

"Our observation is that the folks that we serve are not wealthy people," said Scott Spiker, the chairman and CEO of First Command Financial Services, whose customers include members of the Coast Guard.

While the Department of Homeland Security found money to pay Coast Guard payroll at the end of December, future paychecks are uncertain if Congress and President Donald Trump can't strike a deal on border wall funding.

On Monday, a union representing federal workers sued the government for requiring some employees deemed "essential" to work without pay.

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