Mobile Banking FAQs

    • General

      • Will Mobile Banking work on my mobile device?

        For either the Mobile Banking website or the Mobile Banking application, you will need a supported device with either a data plan or internet access.

        Mobile service provider usage charges may apply. See service provider's terms and conditions.

        Mobile Banking Website – Supported Devices

        The Mobile Banking website (WAP) is generally supported on devices with a mobile browser that supports encryption and cookies.

        Mobile Banking Application – Supported Devices

        The Mobile Banking application is generally supported on the following types of devices from any operator:

        • iPhone®, iPod touch®, iPad®
        • Android™ (2.3 or newer) phone or tablet
        • More listed here (Note: Your device may support Mobile Banking even if unlisted.)
      • How do I access Mobile Banking?

        It's easy! Just click the "Looking for Mobile Banking?" link at You can also access Mobile Banking directly at or download the app for iPhone®, iPad® and iPod touch® on the App Store or for Android devices on Google Play.

      • I have Android Market instead of Google Play; will the app still work on my device?

        Yes, as long as your mobile device is running Android 2.3 or newer, it will work on your device and should appear in either Android Market or Google Play.

        To determine which version of Android your mobile device is running, go to "Settings" > "About phone". The version will be listed under "Android Version."

      • Do I need to enroll for Mobile Banking?

        Mobile Banking is available to all Online Banking users. If you are not enrolled in Online Banking, you will need to do so in order to access Mobile Banking. You must also have a valid email address on file prior to registering a mobile device.

        For your security, you will also need to complete a one-time registration for each mobile device that accesses your account.

      • I haven't received my email with the additional security step yet. What should I do?

        Please allow extra time to receive your email. We will send the email with the one-time PIN immediately, but many factors can influence how fast it will appear in your inbox (e.g., internet traffic, ISPs, software settings, etc.).

        You may also want to:

        • Verify that your primary email address in Online Banking is correct and that you have access to that email account.
        • Check your spam/junk folder if you have one. The email will come from
        • Verify that your mailbox is not full.
      • Do I need to save my one-time PIN?

        No, once you have successfully registered your mobile device, the one-time PIN email can be deleted. This PIN cannot be used for any subsequent device registrations.

      • What accounts can I access with Mobile Banking?

        You can access any of your share and loan accounts that are currently available in Online Banking. This includes limited view of your Visa® account (balance, amount due, due date and transaction history).

        If enrolled, you will also have bill payment access to schedule new payments or to cancel scheduled payments. New payees must be added through the full Online Banking site.

      • How do I view my account information?

        Once you sign in to the Mobile Banking website, you will see a listing of all your online accounts and their balances. Simply click on the account if you would like to view more information.

        If you are signing into the app, you will need to select the "Accounts" button from the app’s main screen.

      • Can transfers be made using Mobile Banking?

        Sure. Immediate transfers between your DCECU accounts can be made using Mobile Banking the same way they are completed online. Member to member transfers are also available!

      • Can I pay my Visa® Credit Card in Mobile Banking?

        Yes, you can! You can transfer a payment from your DCECU savings or checking account from the Transfers menu or from the Visa history screen.

      • Is Mobile Banking secure?

        All standard security features are applied at sign in including multifactor authentication via one-time PIN and stored keys. 256 bit SSL encryption is used to secure the connection. We do not recommend signing into Online and/or Mobile Banking over a Wi-Fi connection if you are not sure it is secure. You will also be signed out automatically after 5 minutes of inactivity. For more information on what you can do to protect your information, see the Security Center.

      • How does SSL protect me?

        Secure Socket Layer (SSL) protects data in three key ways:

        • Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating DCECU.
        • Encryption scrambles transferred data.
        • Data integrity verifies that the information sent by you to DCECU was not altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.
      • How much does Mobile Banking cost?

        DCECU does not charge for Mobile Banking. However, depending on the data plan with your wireless provider, you may incur charges when accessing the Internet. Please consult your wireless service plan for details, or contact the provider.

      • Why don’t I need to answer a security question like Online Banking?

        Your password and the one-time PIN are used to initially authenticate the device. This stores a private key/token that verifies your identity for subsequent sign ins.

      • What do I do if I lose my mobile device?

        Unless your username and password have been compromised, your account and account information is still secure. If you feel your sign in credentials have been compromised, you can reset your username and password through Online Banking at any time. Contact the Credit Union if you would like to de-authenticate your device or to disable all Mobile Banking access for your account.

      • What do I do if I get a new device?

        You will need to repeat the device registration process. Unless your username and password have been compromised, your account and account information is still secure on the old device. You can always de-authenticate your old mobile device for an extra piece of mind.

        • If you are using the app, you can uninstall the app on the old device to remove the authentication token.
        • If you are using the Mobile Banking website (WAP), you can clear your mobile browser’s cookies on the old device.
        • If you no longer have your mobile device, feel free to call us to de-authenticate the old device.
      • Why does the Mobile Banking website force me through the one-time PIN process every time I sign in?

        This will occur if you have set the browser on your device to automatically clear/delete your cookies and cache upon exit. Unless you change this setting, you will be forced to re-register your device for the Mobile Banking website each time you sign in.

      • Can I see the same amount of history in Mobile Banking as I can in Online Banking?

        Yes, if you use the dedicated Mobile Banking app. If you are signing in through the Mobile Banking website (WAP), you will only see the last 30 days of history.

      • What can I do with app that I can’t do in the Mobile Banking website?

        You can delete messages, see more than 30 days of transaction history, view graphs and deposit checks (on supported devices).

      • Can multiple people use my device to access their account using Mobile Banking?

        Yes, but the process varies slightly between devices:

        • Mobile Banking website (WAP): Simply enter a different username upon sign in.
        • iPhone®, iPad® and iPod touch® app: Go to Users Setup > type username > tap the plus (+) symbol > then select the new username to sign in
        • Android app: Go to setup > menu button > add/edit username > menu button > new

        Subsequent sign ins with the app will allow you to choose between multiple usernames. New accounts will still require registration via the one-time PIN.

      • I’m trying to sign into Mobile Banking, but it’s not working, what should I do?

        First, verify that your account username and password is correct using the full site. You can reboot the device if the app is not working as expected. You can also try uninstalling and reinstalling the app, or if on an Android device, try clearing the application’s cache. If you still need help, please contact us.

    • Mobile Check Deposit

    • Biometric Authentication

Still have questions? Contact us.