DCU Support Center | Digital Federal Credit Union (2024)

Digital Banking 101

First Time Logging In

Follow the steps and watch the video on how to log in to Digital Banking for the first time.

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Forgot Username/Password

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Digital Banking Features

Check out all the features available to you when you use the DCU Digital Banking app.

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Check Deposit

Use your camera equipped devices or scanner todeposit your checksdigitally.

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Move Money

Submit A Wire Transfer

Overnight funds transfer from your DCU account to another financial institution.Click here to submit a wire.

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Wire Status

Have a submitted wire and want to know the status?Check on your wire status.

Check Deposit

Use your camera equipped devices or scanner todeposit your checksdigitally.

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Bill Pay

Bill Pay is a convenient way to pay all your bills from a single site. Log into your Digital Banking andset up or manage your Bill Pay.

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Pay My Loan

Make a one-time paymentto your loan from another institution.

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Pay A Person

Add contacts to your Digital Banking. Then,transfer money to friends and family.

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Move Your Accounts To DCU

ClickSWITCHis a partner system facilitating the transfer of account information between financial institutions, making your transition to DCU easier than ever!

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Card Management

Lost Cards

Request a replacement cardand report missing cards.

Travel Notifications

Notify DCU of planned travel to prevent your spending transaction from being blocked.Set your Travel Notifications.

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Mobile Wallets

Mobile Wallet is a digital version of your credit and debit cards that enables you to make purchases with your mobile device.Set up and view your mobile wallet.

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Card Settings

Card Settings enable you to add additional security and protection to your cards by placing controls and alerts.Manage your Card Settings.

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Visa Balance Transfer

Balance Transfers allow you to consolidate your high-interest credit cards into one low interest payment.Set up your Visa Balance Transfer.

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Disputes

Dispute A Visa Transaction

See a card transaction you do not recognize?File a dispute.

Dispute An ACH Transaction

See an electronic withdrawal you do not recognize?File a dispute.

Dispute An ATM Transaction

See an ATM transaction you do not recognize?File a dispute.

Loans

Pay My Loan

Make a one-time paymentto your loan from another institution.

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Request Loan Payoff Amount

Click links below to request your loan payoff amount.

Submit Final Loan Payment

You can make your final loan payment either through:
1.Digital Banking
Or
2. Mail the payment to Digital Federal Credit Union, 853 Donald Lynch Blvd, Marlborough, MA 01752.

Vehicle Title Information

Information and FAQs to help you navigate through the vehicle title process.

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Vehicle Insurance Information

DCU’s Lien holder information should be listed as Digital Federal Credit Union, PO Box 25007,Fort Worth, TX 76124 on your insurance paperwork.

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Skip A Payment-Program

The Skip-A-Payment program gives you the option to defer monthly payments on an eligible DCU loan until the end of the loan, by advancing your payment due date and your maturity date.

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Financial Relief Program

DCU’s team of wellness experts are here to help you by offering financial obligation relief and assistance plans, should they become necessary.

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Account Management

eStatements

View your account and loan statements. You can also view your tax statements and paid loan letters.

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Check Ordering

Log into your Digital Banking andorder checks for your checking, HELOC, or business accounts. You will be directed to the Harland Clarke website to complete the order.

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Update Contact Info

Keep your contact information up to date so you never miss an importantalert or notice; this also helps us reach you if we notice unusual activity or suspect fraud.

Open A New Account

Looking to open a new checking or savings account?Click here to open a new account.

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Forgot Username/Password

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Text Alerts & Notifications

Request to receive informational texts and emails, triggered by specific events.

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Overdraft Payment Service

The Overdraft Payment Service is meant to cover unintentional overdrafts to your checking account.Enroll or change your coverage for Overdraft Payment Service.

Upload a Document to DCU

Deceased Member Account

How to settle the account of a loved one who has passed on.

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IRA Service Center

Open and manage your DCU Individual Retirement Accounts online.

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HSA Service Center

Open and manage your DCU Health Savings Account online.

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Move Your Accounts To DCU

ClickSWITCHis a partner system facilitating the transfer of account information between financial institutions, making your transition to DCU easier than ever!

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Letters and Forms

Verification of Deposit Letter

Generate a Verification of Deposit (VOD)letter verifying your account balance and history. This letter is often used for immigration or US Visa purposes.

Stop Payment

A Stop Payment prevents a check or ACH from clearing your account that you authorized.Place a Stop Payment.

Other Applications and Forms

View all of DCU’s applications and forms.

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Fraud

What is Social Engineering?

One of the biggest risks to our collective financial security is ourselves. It’s far easier to trick a human than it is a computer, and there’s no anti-virus software to protect you other than knowledge.

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Complete Guide to Impersonation Scams

Follow this guide to learn how to protect your financial data and other sensitive information, to help avoid being spoofed or falling for impersonation scams.

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ID Theft Hotline

ID Theft Hotline is an identity theft resolution service that is free for DCU members.

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Phishing & Pharming

Get to know the tactics criminals use to trick people into clicking malicious links and revealing their personal information.

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Keep Your Devices and Browsers Up to Date

Keeping your devices and web browsers updated is essential to protecting you against fraudulent activity and theft of sensitive financial information.

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Policies & Fees

Funds Availability Policy

All or a portion of your deposit may not be immediately available to spend after depositing it in your account.

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Foreign Checks Policy

Your foreign check deposits may take several days to clear your account.

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Finance Charge Calculations

Formulas used to calculate finance charges and interest on DCU loans.

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Privacy Policy

Learn how we protect your privacy to earn your confidence and trust.

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DCU Support Center | Digital Federal Credit Union (2024)

FAQs

How long does it take DCU to verify? ›

Verification of Deposit Letter

Once received, DCU processes these requests within two business days. To request your Verification of Deposit letter within Digital Banking, follow these steps: Login to Digital Banking. Select the Membership tab.

How long does DCU take to approve online application? ›

We will begin to review your application within 3-5 business days of receipt. If your application is approved, you will receive the following within 7-10 business days of approval: Your new membership card. Your New Member Welcome Kit.

How long does it take DCU to approve checking account? ›

You can open accounts with the Membership Application as you join DCU. If submitting your application electronically, please allow 3-5 business days for the following: Your request to be processed. We will send you an email confirmation once your request is completed.

Does DCU accept bad credit? ›

Quick loan — If you have less-than-perfect credit or need help recovering from a financial emergency, DCU offers a “quick loan.” You can apply for up to $1,000 with no credit check. If you're eligible, you'll have up to 12 months to repay your loan.

How long does DCU loan processing take? ›

Receive funds. On average, most people receive their personal loan funds within a week. Lenders who provide online applications– including DCU – are generally quicker with processing, with many people receiving their funds within one or two business days of the application submission.

Does DCU do a hard credit pull? ›

Furthermore, DCU doesn't require a credit check, so applying won't result in a hard inquiry on your credit report. However, you'll need to become a DCU member to apply, and membership has its own set of eligibility requirements.

How do I qualify for a DCU account? ›

You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.

Does DCU pull from Equifax? ›

For members who have opted-in, Equifax will deliver the score to DCU, who will post the FICO® Score and the 2 reason codes to the member's Digital Banking page.

Can you pay off a DCU loan early? ›

At DCU, there is no prepayment penalty or fee. Calculate how long it will take to pay off your loan with our online calculator.

Do I have to be a DCU member to get a loan? ›

Quick Loan Eligibility Requirements: In order to be eligible for a Quick Loan a DCU Membership must be established for at least 180 days for amounts of $200 up to $2000. Additionally, a member cannot have more than one Quick Loan open at the same time and can have no more than 3 Quick Loans in a 180-day period.

What is the minimum balance in DCU checking account? ›

While every member has access to most of our great benefits, the more a member does with DCU, the more those benefits multiply. Check out the information below for a detailed description of benefits by level. Every member enjoys these benefits automatically: No minimum balances or monthly maintenance fees.

How long does DCU take to clear a check? ›

Deposit processing time frames

Checks submitted via online/mobile deposit are not covered under DCU's Funds Availability Policy. Those funds could be held up to 7 business days.

Does DCU work with Zelle? ›

Log into the DCU app. Select "Send Money with Zelle®" Enroll your U.S. mobile number or email address. You're ready to start sending and receiving money with Zelle.

How long does it take to verify direct deposit? ›

It normally takes 1-3 days for direct deposits to clear. The actual transfer of funds is almost instantaneous, but it can take a few days for your bank to verify the funds and make them available to you. Weekends and public holidays can slow this process down, as can a range of other factors.

How long does it take to verify a bank account online? ›

How Long Does it Take to Verify Bank Accounts? The time it takes to verify a bank account can vary depending on the method used. The verification process can take just a few minutes to a few business days.

How long does a DCU transfer take? ›

Domestic Wires
Wire Received and VerifiedWire Processed
Before 2:00 pm ESTSame business day
After 2:00 pm ESTNext business day

How long does DCU take to deposit a check? ›

Business hours for Online Deposit are 8:00 a.m. to 5:00 p.m., Monday through Friday Eastern Time, except holidays. Checks submitted and approved for deposit prior to the end of our business day will be deposited to your account on the same day.

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