Checking FAQs

Checking Account: Frequently Asked Questions

How do the 10 free foreign ATM refunds work? 
If your account incurs a non-DCCU ATM fee, you will automatically be credited 10 fees ($5 maximum per refund) in a year’s time. The fee will be credited within 24 hours of the fee being assessed. 

How can I order checks?
You may select the Reorder Checks link which is located under My Deposits. If this is your initial check order, you will need to contact us in order to complete your request.

If you elect to order checks from a 3rd party, please contact us to obtain the correct information for your checks (MICR), which is a 14 digit number and will be different than your account number. Alternatively, MICR/Routing information can be found in either Online or Mobile Banking:

  • For Online Banking: Login to your account and then click on the account you wish to have checks ordered from. Then under the Account Details section on the right hand side of the screen, click “Show Direct Deposit Info”.
  • For Mobile Banking: Login to your account and then click the menu button in the top left hand corner. Next, select “Alerts & Settings”, followed by “Direct Deposit Info”.

How can I find Direct Deposit information?
Direct Deposit information can be found by any of the following methods:

  • By looking at an existing check - To find your routing and account information (MICR), look at the bottom of your personal checks. 
    Check image
  • From Online Banking - Login to your account and then click on the account you wish to have checks ordered from. Under the Account Details section on the right hand side of the screen, click “Show Direct Deposit Info”.
  • From Mobile Banking - Login to your account and then click the menu button in the top left hand corner. Select “Alerts & Settings”, then “Direct Deposit Info”.
  • Give us a call - we’re happy to assist you.

Why aren’t my checking transactions in the right order?
Transactions are sortable by Date, Description, Withdrawals and Deposits. You may change the order by selecting any of these headers.  If your transactions are sorted by something other than date, they may need to be sorted by date again.

I have Pending Transactions for my checking account, are they withdrawals or deposits?
Withdrawals will show with a parenthesis () around the amount being withdrawn. Deposits will have no parenthesis. 

I’m trying to view a check image and it states that no image is available.  How can I get a copy?
Check images are made available within online banking if the merchant has not converted the check to an electronic payment. If the check payment has been converted to an electronic payment, an image is unavailable.

Why do I have overdraft fees assessed on my checking account when it appears funds were in my account?
There are a couple different reasons for this:

  • When the Debit Card is used as a “credit” a preauthorization hold is placed on your account for the amount of your purchase when the transaction occurs. The preauthorization hold will remain on your account until the transaction posts to your account or is removed automatically within 48 hours. While the preauthorization hold is in place on your account, this removes the funds from being available for other transactions during the above time frame.
  • Pay at the pump gas transactions are authorized differently than other transactions. The preauthorization holds for these transactions vary from $1, which simply verifies the account is open, to $75-$100, depending on the merchant processing.

NOTE: If you utilize your Debit Card at a merchant and choose “debit” the funds are immediately deducted from your account, eliminating the preauthorization hold (described above). Most merchants accept both debit and credit transactions, giving you the choice of how to utilize your card.

Grow Checking: Frequently Asked Questions

I received an email that my Grow Green account has been upgraded to a Grow account. Do I need to do anything to take advantage of my new account benefits?
No, your account has been upgraded automatically and will work as it always has, with the addition of these great new benefits.

My account was upgraded from a Grow Green account to a Grow account. Will I receive a new debit card?
No, your existing card will continue to work. You will receive a new debit card when your current card is about to expire. Regardless of the design of your Grow debit card, the upgraded benefits of Grow have been added to your account. For an overview of account benefits, visit our Checking page.

Is there an easy way to track my benefits?
Yes, a dashboard has been added to your home screen in Online Banking which will allow you to quickly see the status of your rewards. You will also receive alerts when you reach a new threshold.

When using the dashboard in Online Banking, why can't I see account information for my other accounts?
The Online Banking dashboard allows you to toggle between cross accounts to review your rewards information, however you will have to log in to each individual account to review account information beyond the rewards dashboard.

How are dividends earned?
An explanation for how Grow Checking functions can be found: https://www.mydccu.com/banking/checking

How do refunded transactions I processed with my Debit Card affect my dividends?
Refunded transactions will not count towards the monthly requirements to earn dividends.

Are fee refunds immediate?
No, fees will be refunded within 24 hours of the transaction.

Why does Online Banking show 0.00% as my Checking APY when I have a Grow account?
Grow checking is based on rewarding you for specific actions – enrolling in eStatements and actively using your debit card each month. Since you have the entire month to meet the requirements, the program that calculates and posts the dividend isn’t run until the last day of every month. Therefore, Online Banking will always show 0.00% which is the base checking rate. You will see the Grow dividend rate and yield on your statement each month when the dividend is posted.

Does it matter how I use my debit card to qualify for the minimum number of transactions?
No, the transactions can be either signature or PIN, wave or swipe. However, ATM transactions will not count as they are ATM transactions.

How can I place a stop payment on a check?
You can process a stop payment on a check through Online Banking at no charge. This stop payment will last for 6 months.

How can I place a stop payment on an automatic withdrawal from my account?
Contact us to process a stop payment on an ACH withdrawal. There is a $20 fee for this service. This stop payment will remain in effect unless you request to have it removed.

I received an overdraft fee, but my account did not go negative, why did this happen?
Whether an item clears is based on the funds available in your account, not the actual balance. It is possible to overdraft if the funds are on hold due to an ATM deposit, debit hold, or other holds.

Why doesn't my Grow account come with overdraft forgiveness?
DCCU designed the Grow and Rewards checking accounts to provide the most benefits possible to each account, based on the account structure. If you find that you need overdraft forgiveness, you may wish to switch to a Rewards account. 

What happened to Grow Green checking?
Grow Green is now simply Grow checking and has the same great benefits you previously enjoyed, along with the added feature of 10 non-DCCU ATM fee refunds per year (up to $5 maximum per ATM refund).

Can I change from a Grow account to a Rewards account?
Certainly! If you feel that you would receive a better benefit from the points of a Rewards Checking rather than the increased interest of a Grow Green checking, please contact us, and we will be glad to take care of switching your account for you. A different debit card would be required which we would be glad to mail to you (you should receive it in 7-10 business days), or you may stop by a branch and pick up a new Rewards Debit Card.

I'm already a member, but I don't have a DCCU checking account. How can I open an account?
To open a DCCU checking account, simply call us at 540.946.3200 or stop by one of our convenient locations, and we'll be happy to help you.

Rewards Checking: Frequently Asked Questions

I received an email that my Rewards account has been upgraded. Do I need to do anything to take advantage of my new account benefits?
No, your account has been upgraded automatically and will work as it always has, with the addition of your new benefits.

As part of my account upgrade, will I receive a new debit card?
No, your existing card will continue to work. You will receive a new debit card when your current card is about to expire. Regardless of the design of your Rewards debit card, the upgraded benefits of Rewards have been added to your account. For an overview of account benefits, visit our Checking page.

Is there an easy way to track my benefits?
Yes, a dashboard has been added to your home screen in Online Banking which will allow you to quickly see the status of your rewards. You will also receive alerts when you reach a new threshold.

When using the dashboard in Online Banking, why can't I see account information for my other accounts?
The Online Banking dashboard allows you to toggle between cross accounts to review your rewards information, however you will have to log in to each individual account to review account information beyond the rewards dashboard.

Are fee refunds immediate?
No, fees will be refunded within 24 hours of the transaction.

How do the 3 NSF refunds work?
If the account is assessed with a $25 NSF fee, you will automatically be credited 3 fees in a year’s time. The fee will be credited within 24 hours of the fee being assessed.

Why wasn’t a $5 transfer fee refunded?
The $5 fee charged for transferring fund to your checking account to allow a transaction to be processed is not included in the automatic refunds. 

How can I earn rewards points?
Rewards points are based on purchases made with your debit card. You will earn 1 point for every $4 spent, with the ability to earn double points when spending $250 or more per month.

Will I receive my points right away?
No, it will take approximately three days after the end of the month for your earned points to show up on your rewards dashboard.

Can my rewards points be combined with or transferred to another card?
Yes, your points can be combined with your other Rewards debit card(s). To make this request you may contact us for assistance.

Can my rewards points be combined with or transferred to my DCCU Platinum Rewards credit card that also earns CURewards points?
Yes, your points can be combined with points earned with your DCCU Platinum Rewards credit card(s) as well. To make this request you may contact us for assistance.

How do I redeem my rewards points?
You can redeem your points by selecting Open my CU Rewards link under the Rewards Dashboard in Online Banking.

How can I place a stop payment on a check?
You can process a stop payment on a check through Online Banking at no charge. This stop payment will last for 6 months.

How can I place a stop payment on an automatic withdrawal from my account?
Contact us by phone, eMail or stop by any office location to process a stop payment on an ACH withdrawal. There is a $20 fee for this service. This stop payment will remain in effect unless you request to have it removed.

I received an overdraft fee, but my account did not go negative, why did this happen?
Whether an item clears is based on the funds available in your account, not the actual balance. It is possible to overdraft if the funds are on hold due to an ATM deposit, debit hold, or other holds.

I was charged a fee at a non-DCCU ATM - why hasn't the fee been refunded?
You will be reimbursed for ten (10) non-DCCU ATM fees incurred nationwide. There are a few reasons you may not have seen a refund:

  • It's been less than 24 hours since you made the withdrawal - it may take up to 24 hours for you to see the refund in your account
  • You've already been reimbursed for ten non-DCCU ATM withdrawals - log into Online Banking and view your Rewards dashboard to track your benefits

You may have been reimbursed for the fee incurred by the other financial institution and may still see a $0.50 fee on your account. This is a credit union fee and is not waived as part of your account benefits. To have this fee waived, you must sign up to receive eStatements.

Can I change from a Rewards account to a Grow account?
Certainly! If you feel that you would receive a better benefit from the increased interest of a Grow checking rather than the points of a Rewards Checking, please contact us, and we will be glad to take care of switching your account for you. A different debit card would be required which we would be glad to mail to you (you should receive it in 7-10 business days), or you may stop by a branch and pick up a new Grow Debit Card.

I'm already a member, but I don't have a DCCU checking account. How can I open an account?
To open a DCCU checking account, simply call us at 540.946.3200 or stop by one of our convenient locations, and we'll be happy to help you.

Debit Card: Frequently Asked Questions

How long will it take until I receive my Debit Card?
Once a Debit Card is ordered, it will take 7-10 business days for the arrival of the card and PIN. The card and PIN will be mailed separately for security purposes.

Since I have a checking account, can I get a Debit Card?
Yes, if you have a DCCU checking account and qualify, ask for the Debit Card. It provides time-saving and convenient benefits, and also works as an ATM card. The Debit Card is accepted at millions of locations.

My Debit card is expiring, when will I receive a new one?
Your new debit card is mailed to the address on your account 3-4 weeks prior to your current expiration date. Your current card will remain active until the last day of the month in which your card expires. If you have not received your new debit card, it may be beneficial to check your address under Alerts & Settings to ensure we have your most recent address. If you have not received your card within the time frame contact us for assistance.

What happens if my Debit Card is lost or stolen?
If your Debit Card is lost or stolen call 888.918.7712 immediately. When a card is replaced for any of the reasons listed above, a new Debit Card will be issued for security purposes.

How do I activate my Debit Card?
To activate your Debit Card you must call 866.985.2273.

Where can I use my Debit Card?
Debit Cards are accepted as payment at millions of merchant locations. Just look for the following logos:

  • MasterCard
  • STAR
  • NYCE
  • PLUS
  • CIRRUS

How do I use my Debit Card?
Debit Cards are accepted as payment at millions of merchant locations. You may use your card as “credit” or “debit”.

What is the difference in using my Debit Card as “credit” versus “debit”?
The “credit” option allows you to use your card anywhere MasterCard is accepted. Funds may be held for a 48-hour period before being taken from your Checking Account. This method requires your signature to complete the transaction.

The “debit” option allows you to use your PIN to conduct transactions. Funds are taken out of your Checking Account instantly. The “debit” option also allows you to receive cash back at participating merchant locations.

How do I use my Debit Card to get cash back?
If you wish to receive cash back from a purchase, you would do the following:

  1. Choose Debit for the type of card being used
  2. Enter you PIN
  3. Enter the amount of cash back you would like

Using Debit to get cash back is a way for you to bypass ATM surcharges and transaction fees associated with using Foreign ATMs (non-DCCU ATMs).

When I conduct a Debit transaction, what information will appear on my statement?
In most cases, the transaction information will display the name of the merchant and address where the merchant is located. However, this information is completely controlled by the merchant. In some cases only the address will appear.

When using my Debit Card will my Overdraft Protection work?
Yes, DCCU will approve or deny all transactions based upon the balance in your account along with any funds available through overdraft protection setup on your account.

Should I notify DCCU when I am traveling in the US and abroad?
Yes, be sure to contact us with the dates and places you will be traveling.

What do I do if I receive a call from the Credit Union or my card doesn’t work while I am traveling?
Call toll-free: 888.918.7712, 888.918.7313, or contact us for additional assistance.

What do I do if there is a fraudulent transaction on my account?
If the unauthorized transactions were completed with your Debit Card contact our Cardholder Services Department at 888.918.7712. They will promptly cancel your Debit Card number and issue you a new card. Once your card has been canceled no additional transactions can be authorized.

My Debit Card is not working, although I have funds available, what do I do?
Contact us and we will be glad to assist with this issue. If this occurs after DCCU business hours, contact our Cardholder Services Department at 888.918.7712.

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