Each year, you will automatically be credited 10 fees ($5 maximum per refund) to your account. When your account incurs a non-DCCU ATM fee, it will be refunded up to $5. The fee will be credited within 24 hours of being assessed.

If you have ordered checks before, simply log into Online Banking and select "View my Accounts," then select your checking account. In desktop, click the "Order Checks" icon in your account's information panel to start the process through the Harland Clarke check ordering portal. In mobile, tap the arrow under your account's balance to access the "Order Checks" option. If you have not ordered checks before, you will need to visit a branch or give us a call to order them.

If you elect to order checks from a 3rd party, please contact us to obtain the correct information for your check's MICR number, which is a 14 digit number and will be different than the member number that we use more commonly. This number can be found beneath the account heading when an account is selected.

Enjoy the convenience of having your payroll check automatically and safely deposited into your DCCU Account with Direct Deposit. Direct Deposit information can be found by any of the following methods:

• From Online Banking and Mobile Banking - Login in to your account and then click on the account you want to have your payroll check deposited into. Under the Details section you will see the Routing Number as well as your Account Number.
• Give us a call - we're happy to assist you.

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.

Withdrawals will show with a parenthessis () around the amount being withdrawn. Deposits will have no parenthesis. 

Check images are made available within online banking if the merchant has converted the check to an electronic payment. If the check payment has not been converted to an electronic payment, an image is unavailable.

There are a few different reasons for this:

• When the Debit Card is used as "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.

Once a Debit Card is ordered, it will take 7-14 business days for arrival of the card and PIN. The card and PIN will be mailed separately for security purposes.

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 confirm we have your most recent address. If you have not received your card within the time frame contact us for assistance. 

If your Debit Card is lost or stolen, call 844-231-2220 immediately. A new Debit Card will be issued for security purposes.

To activate your Debit Card you must call 1-800-631-3197.

Debit Cards are accepted as payment at millions of merchant locations. Just look for the following logos:

• MasterCard
• STAR
• NYCE
• PLUS
• CIRRUS

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.

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 your 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).

Yes, and you can now add this information 24/7 through Online Banking. This ensures that when you use that card in another state or country, your transactions will not be reported as suspicious or fraudulent.

Creating a Travel Notice can be started from anywhere in Online Banking.

1. First, open the "More" menu:
   • If you are using a desktop computer, click the three dots (...) icon in the main navigation bar.
   • If you are using the mobile app, tap the "More" icon in the rail at the bottom of the app.
2. Then, click "Travel Notice" in the menu.
3. On the Travel Notice screen, you will be asked to choose the card you want to use away from home, specify what kind of travel you will be doing and enter a few more details.

Click or tap "Submit" when you are done to create your Travel Notice. You will need to follow these steps for each card you plan to use on your trip.

If you would prefer, we are hapy to assist you with Travel Notices during business hours, and our Service Center can be reached at 540.946.3200.

If the unauthorized transactions were completed with your Debit Card, contact our Cardholder Services Department at 1-888-918-7313. 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.