You can register by visiting our website at www.mydccu.com, and selecting the link that says, “New to Online Banking? Register here" and follow the prompts to create your User ID and Password.  If you are unable to complete registration, contact us so we can assist you with registering.

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Use a strong password.  Choose passwords that are difficult to guess and use a different password for each of your online accounts.  It may be best to use letters, numbers, a combination of lower case and capital letters, and special characters.  Doing so may help protect your privacy online.

Resetting or confirming your username requires additional account verification.  Please contact us so we can get this resolved for you.

Select the “Forgot Password” link from the Login page.  If you are unable to reset your password, please contact us so we can get this resolved for you.

If you attempt to login with the wrong password, an error message will be displayed.  Return the Login screen to try again.  If you repeatedly enter in an incorrect password, then your Online Banking account will be locked.  If your account is locked, you will need to contact us to reconfirm your identity and have your account unlocked.

Instead of using personal information as identification, our Mobile App and Online Banking platform utilize a code to identify the person requesting certain account actions.  The member can choose how they want to receive the code; either through text message or an automated phone call.  If you cannot be reached by any of the phone numbers listed on your account, you may be asked to answer the security questions you set when opening your Online Banking account.

Verification codes may be sent for the following reasons:

• Changes to your phone number, email, or password
• Logging in to the Mobile App or Online Banking with a new or suspicious device
• Registering a new Mobile App or Online Banking account
• Initiating the forgot password process
• Adding and External Transfer account
• Transfer to External Accounts/M2M over a specific dollar threshold

Contact us so we can get this resolved for you.

Yes. Your information is always safe, protected, and secure with the latest security technology. DCCU uses SSL technology that securely encodes data transmitted over the internet between your computer or mobile device, and DCCU. This ensures that your information remains safe, secure, and confidential at all times.

Multi-Factor Authentication is a feature for online banking and online applications that gives you and your accounts an additional layer of protection from fraud by using more than one method to confirm your identity. Our Multi-Factor Authentication has the following security feature:

• Verify by Phone Call or Text: This system requires you to enter a security code that is delivered by phone call or text before proceeding with a transaction. This type of verification may be presented when our Online Banking system needs to validate your identity in order to complete actions such as: changing your email address or phone number, using the forgot password function, or other significant account changes.

The Federal Financial Institutions Examination Council (FFIEC) has determined that the security provided by a single password may be defeated with new technology being employed by the high-tech hackers of today. In response, regulators have mandated that enhanced security precautions be implemented to increase online safety and make accounts more secure while preventing spoofing attempts by fake look-a-like websites.

To enroll, you will select the Pay my Bills page.  After you have read and accepted the terms and conditions, you will be enrolled and may begin setting up your payees and scheduling payments.

You will select the Pay my Bills page. Select Add Payee. Be sure to add the required information exactly as it appears on your most recent statement or bill from the payee. Be sure to enter the correct information to avoid the likelihood of a delayed or returned payment.

You will select the Pay Bills page and then select Payment Center.  You may also schedule a new payment from the View Accounts page under “Make a Payment.”

Some merchants accept payments electronically and some do not. When adding the payee, you will want to add the required information (ex. type of business, account number, payment address) exactly as it appears on your statement or bill from the payee. This will ensure that your payment is sent electronically if this option is available. Payments that were previously sent by mail may be changed to an electronic delivery method if we find this payee accepts electronic payments for your account.

If the payee states they have not received your payment and it is past the expected delivery date, please contact us within Online Banking by clicking on Messages and then Compose New or by selecting “Inquire” next to the payment. You may also want to ensure that the payee address and account number are correct. You may verify this information by selecting the “Payees” link. We will need to verify this information with you, as this will assist with researching the payment.

There is no limit to the amount of payments you are able to process within Bill Payer.

Some payees accept expedited payments and some do not. If the payee accepts expedited payments, this option will be available as you are scheduling the payment. There is a $9.95 fee for all expedited payments.

You will never pay a late fee or finance charge for a properly scheduled payment. If a properly scheduled payment is not received and posted on time by the Payee, we will attempt to have any late fees or assessed finance charges removed (finance charges are calculated based on your payment amount rather than your entire balance). Note: Please refer to your Electronic Funds Transfer Disclosure for important information on the limitations of reimbursable fees and finance charges.

Deliver By date is the date you want the payment to reach the Payee. Send On date is the date on which you want funds withdrawn from your account. This is used to help assist you with properly scheduling payments so that the 100% payment guarantee is in effect. The calendar scheduling icon will be very helpful. When you move your cursor over the date that you want the payment to be delivered, the corresponding “Send On” date, or date on which the funds will be withdrawn from your account, will be displayed. You can select a deliver by date on any day of the week, including weekends and holidays. Note: Although you can set your payment deliver date on any day, your payment may not post on the Deliver By date if the payee is closed. If this is the case, your payment will be posted the next business day the payee is open.

Payments are only sent out on business days.

When there is a payment falling on a holiday, the payment will be deducted from your account a day sooner to ensure it is received by the deliver by date.