Mobile Banking FAQs

The DCCU mobile app stopped working on my phone - what should I do?
DCCU released a new app in August 2015, and existing app users must update the app on their phone. Support for the old app continued through September 30th, after which point the new app must be installed in order to access mobile banking.

Where do I download the DCCU mobile app?
The DCCU mobile app is available in the Apple App Store and on Google Play. You can find it in both locations by searching for “DCCU”. When new versions of the app are available you will be notified to update the app automatically.

How is the new app different?
The new DCCU mobile app offers a faster and more modern user experience. Features of the new app include:

  • Near real-time Mobile Deposit
  • Two-way secure messaging, with a message waiting indicator
  • Account summary view with balances displayed on the first page
  • Ability to sort transactions by type (deposits, withdrawals, checks, ATM withdrawals, etc.)
  • Full transaction details
  • Transfer payment options (payment due, payoff amounts)
  • Ability to add external and member-member accounts
  • Bill pay - see processed payments on one screen, see and pay eBills
  • Stop payments and view stop payment history
  • Update contact information, including address, phone, and email
  • Change User ID and password
  • Change security information
  • My Quick View - see a snapshot of account balances and your checking Rewards dashboards without logging in to the app

Which mobile devices are supported by Mobile Banking?
You can access Mobile Banking from any Internet-enabled mobile phone. NOTE: Data charges by your mobile phone provider may apply, and are the responsibility of the mobile phone owner.

How do I know if my mobile device is compatible with the new app?
Older mobile operating systems that are no longer being updated typically have known security vulnerabilities. DCCU feels that these security vulnerabilities make the devices unsafe to use for financial transactions. In order to provide the most secure experience possible, DCCU does not support legacy/unsecure mobile operating systems. As a rule of thumb, DCCU supports at least the last two versions of mobile operating systems. A current list of supported applications is below:

  • iPhone/iPad - Only iOS 7 and above are supported. The Apple apps are optimized for iPhone 6 and iPad AIR running version 4.8 (iOS 8). Version 4.7 (iOS 7) will allow account access; however, Mobile Deposit will not function on iOS 7. In order to use near real-time Mobile Deposit, you will need to upgrade to iOS 8. To find the version of iOS on your Apple phone, go to "Settings, "General", then "About". If the version listed starts with 7.X, the device runs iOS 7 and is not compatible with Mobile Deposit.
  • Android - Only the last two versions of Android are supported. As of 7/31/15, the two recent versions are:
    • KitKat 4.4-4.4.4, 4.4W-4.4W.2
    • Lollipop 5.0-5.1.1
    • The app may function on earlier versions of Android; however, performance and functionality are not guaranteed. Unfortunately, due to the number of Android variants that exist, we are unable to support older versions of Android. To find the version of Android, go to "Settings", then scroll down to "About Phone". Look for "Android Version" - versions below 4.4 are not supported.

When will a deposit made through Mobile Deposit be available?
Deposits made successfully using Mobile Deposit will be available in near real time.

Tips for Making a Mobile Deposit
In most cases the mobile app will display the exact reason why a deposit failed (i.e. check not endorsed, MICR line unreadable, picture too blurry, etc). However, in some cases the error just simply says to please retake the picture. In these cases, there are several things you can do to complete the deposit:

  • Make sure that there are not shadows in the picture; sometimes your arm can cast a shadow when taking a picture of a check if there is a strong overhead light above the person taking the picture.
  • The background of the check can also make a difference. If the check is white, place it on a non-reflective darker colored background and then try again.
  • Checks that are printed from a home computer may not use the correct ink. If the check was printed with regular toner then the check can’t be deposited through Mobile Deposit. The best option for that check is to be deposited at a branch location.
  • Move to a completely different room and try to take the picture. Changing the background/lighting will resolve most issues.

What is My Quick View?
My Quick View is a dashboard that allows you to view your account balance and track your checking account rewards without logging into the mobile app.

How do I set up and access My Quick View?
To enroll in My Quick View, log into the app and select "Alerts & Settings" from the menu. Choose "Manage My Quick View" to select the account(s) you'd like to include in your dashboard.

Is there a fee to use Mobile Banking?
DCCU’s Mobile Banking is at no cost to our members. NOTE: Data charges by your mobile phone provider may apply, and are the responsibility of the mobile phone owner.

What happens if I get locked out of Mobile Banking?
You must visit DCCU’s Online Banking site from your PC to reset your password. For security reasons, you may not specify your new password on DCCU’s Mobile Banking. Once your password is set up on your PC, you may use your Account Number and Password to immediately log in to DCCU’s Mobile Banking.

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