Balance Transfer Tutorial

Online Banking

1. Visit mydccu.com to log into Online Banking.
2. Click the “My Cards” tab.
   
3. Select “Balance Transfers” under the Credit Card Menu.
   
4. Choose the card to have funds transferred to in the dropdown.
   
5. Enter the full account number and zip code of the account you’d like to pay and click search creditor. If your creditor is found, select the creditor you’d like to pay or enter the creditor’s information if not found.
   
6. Enter the amount to pay in the “Transfer Amount” field. Click continue.
   
7. Confirm the information in the pop-up window is correct.
   
8. Click submit.

Mobile Banking

1. Log into the DCCU Mobile App and click “Transfers” in the bottom bar.
   
2. Select the credit card you’ll be making the transfer to.
   
3. Click the balance transfer icon.
   
4. Choose the card to have funds transferred to in the dropdown.
   
5. Enter the full account number and zip code of the account you’d like to pay and click Search Lenders.
   
6. If your creditor is found, select the creditor you’d like to pay.
   
7. If your creditor is not found, enter the creditor’s information. Enter the amount to pay in the “Transfer Amount” field. Click Submit.
   
8. Confirm the information in the pop-up window is correct.
9. Click Submit.

FAQ

What time period does the promotion cover?

January 1 – March 31, 2021

What is the offer for new cardholders?

New cardholders will receive 0% on purchases and rates as low as 1.49% on balance transfers done between 1/1/2021-3/31/2021.

What is a balance transfer?

A balance transfer allows you to pay the balances from non-DCCU credit cards, specialty store and gas cards, non-DCCU loans, as well as larger bills or obligations such as medical bills or tuition. By consolidating the balances, you can simplify your finances with one payment per month, and save money on interest when you transfer a higher-rate balance.

What types of balances can I transfer?

Eligible balances include, but are not limited to:

Credit cards

• Visa
• MasterCard
• American Express
• Department store cards
• Gas cards

Non-DCCU loans originated from a financial institution 

• Auto loans
• Personal loans
• Home loans
• Home equity loans

Bills

• Medical
• Dental
• Tuition

Which accounts are not eligible for transfer to my DCCU credit card account?

• DCCU Card accounts
• Debit cards
• DCCU Loans/Lines of Credit
• International accounts
• Transfers to home addresses

How long does it take to process a balance transfer request?
Balance transfers will post to your DCCU card within 2 days. However, it may take up to two weeks for the payment to post to the account you are paying, depending on the creditor. It is important that you continue to make payments to avoid late fees and interest charges until you have verified that the payment has posted to your creditor.