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.
The Mobile Banking website (WAP) is generally supported on devices with a mobile browser that supports encryption and cookies.
The Mobile Banking application is generally supported on the following types of devices from any operator:
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."
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.
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:
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.
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.
Once you login 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 logging into the app, you will need to select the "Accounts" button from the app’s main screen.
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!
All standard security features are applied at login including multifactor authentication via one-time PIN and stored keys. 256 bit SSL encryption is used to secure the connection. We do not recommend logging into Online and/or Mobile Banking over a Wi-Fi connection if you are not sure it is secure. You will also be logged out automatically after 5 minutes of inactivity. For more information on what you can do to protect your information, see the Security Center.
Secure Socket Layer (SSL) protects data in three key ways:
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.
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 logins.
Unless your username and password have been compromised, your account and account information is still secure. If you feel your login 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.
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.
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 log in.
Yes, if you use the dedicated Mobile Banking app. If you are logging in through the Mobile Banking website (WAP), you will only see the last 30 days of history.
You can delete messages, see more than 30 days of transaction history, view graphs and deposit checks (on supported devices).
Yes, but the process varies slightly between devices:
Subsequent logins with the app will allow you to choose between multiple usernames. New accounts will still require registration via the one-time PIN.
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.
The ability to take a picture of a check (with a U.S. routing number) for deposit to primary savings or checking.
There is currently no fee for depositing checks through Mobile Check Deposit. 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.
Android™ (2.3 or newer), iPhone® (iOS 4.3 or newer), iPad® (3rd gen or newer), iPad Mini, or iPod touch® (4th gen or newer) devices.
Yes. Checks must have a U.S. routing number. Checks deposited must be payable to the primary or a joint member only, 3rd party checks will be returned.
Yes. You are allowed to deposit up to $15,000.00 per day and up to $50,000.00 per month.
Up to the first $200.00 of your deposit will be available immediately. The remaining funds will be available by the end of the next calendar day.
As per the Mobile Banking Agreement: You should retain the original imaged item that has been deposited via Mobile Check Deposit for a reasonable period of time in order to verify settlement and credit or to balance periodic statements, but in no case beyond ninety (90) days from the date processed. You are required to properly destroy and dispose of such original item after such time.
You will receive an email when the check has been forwarded for processing. There is a chance it could still be rejected or adjusted, but if it does, you will get another email within 2 business days.
Please call Loss Prevention at 989.835.7794 or 800.835.7794, extension 4568.
It depends on the error message you receive. Make sure you have all 4 corners of the check in the picture, have good lighting, are holding your device at least 1 foot above the check, and that your device has the ability to auto-focus. Otherwise, your check will likely not be accepted. Some checks may not be formatted properly for our system, and will require deposit via one of our other channels.
Due to nightly maintenance, the system may be temporarily unavailable when you attempt to make your deposit. Your deposit will be posted by the next calendar day. If you're looking for the transaction to show in your transaction history right away, please tap the refresh icon on the transaction history page.
There are a variety of reasons why a check might be rejected:
If you believe that this is in error, please contact us.
Generally, this occurs when the amount that you entered into the app was different from the amount written on the check.
If there was a reject reason that you were able to resolve (e.g. image quality, missing endorsement, exceeded daily limit), you should be able to redeposit. If your check gets detected as a duplicate in our system, please contact us.
Deposits will be available in the app history for 5 days, and does not get updated for adjustments or rejects. Please refer to your email notifications for a detailed status.
The check will be available under Mobile Check Deposit history for 5 days. You could also look at your account history to see if it shows up as a "Mobile Check Deposit." Any resubmitted checks that were not previously rejected will also be detected as a duplicate, and will not be accepted a second time.
It is a good idea to somehow note that you've already deposited it; however, writing "VOID" will permanently void the original check and will therefore make it no longer a negotiable instrument should your Mobile Check Deposit get rejected.
No images are ever stored on your device. Check submissions and deposit history are encrypted when transmitted to/from our secure server.
Our check processing vendor is located in the Central time zone.
You can access your DCECU primary account.
The following carriers are supported:
Other carriers may still work with Text Message Banking, but we cannot provide support or troubleshooting.
Most cellular phones indicate whether they are text messaging-compatible or not. Typically, most phones support texting. Please contact your mobile provider for more information on whether your phone, and your service plan, support text messaging.
Prepaid phones that are able to send and receive text messages will work with the service.
Yes. The service has been developed with protections to provide security.
At this time, there is no fee to use Text Message Banking. Your mobile provider may charge a fee for text messages, which is required to use the service. For details about applicable charges, please check with your mobile provider.
You can check your balances, retrieve transaction history, and transfer funds within your primary account.
You can register for the service by logging into DCECU’s Mobile Banking app or the Mobile Banking Website, and tapping on Text Message Banking from the main menu. Registration for this service is ONLY available through Mobile Banking, and not through the full Online Banking site.
During the registration process, you will receive a text message with a six-digit verification code. This is part of a security feature that is used to verify that you are the owner of the device being registered. After you verify the six-digit code, you will be able to use the Text Message Banking service.
Text "B" or "BAL" to 32328. (not case-sensitive)
Text "H" or HIST to 32328.
While logged in to Mobile Banking, select "Text Message Banking" from the main menu, then select "Deactivate" next to the mobile number you would like to deactivate. You can also text "STOP" to 32328 from your registered device. We will send you a confirmation text stating that your device has been unsubscribed and how to enable Text Message Banking again.
If you have canceled your service by texting "STOP" or by deactivating a device via Mobile Banking, you will need to re-register for the service again by logging into DCECU’s Mobile Banking app or the Mobile Banking website, and tapping on Text Message Banking from the main menu.
You’ll usually receive a text message response within a minute. Exact timing will depend on your mobile service provider.
No, text commands are not case-sensitive. For example, you can type "bal" or "BAL".
Yes. Your mobile phone number is registered, not specifically the device. Since you still have the same mobile phone number, your Text Message Banking service will continue to work.
No. Your mobile phone number is registered for Text Message Banking, not specifically the device. It is recommended that you terminate your service on the old phone number before you disconnect your service. You can deactivate your service by texting "STOP" to 32328 or via Mobile Banking. In order to begin the service using your new phone number, you will need to register for the service again.
Yes. DCECU Text Message Banking service does not send text messages with any confidential information about you or your accounts. For example, account numbers are never displayed via text messages and instead are represented by the two-digit share or loan ID.
You may access your account as often as needed. Standard text message and data rates from your phone carrier will apply.
You simply exit. If desired, you can first delete the text messages from your phone.
24 hours a day, 7 days a week.
No. You should report the loss to your mobile provider. However, if you are concerned, please feel free to contact us and we can unsubscribe your phone number.
No. If your phone number can no longer send or receive text messages, Text Message Banking will not work for you.
Yes. Two people can have access to the same joint account number via their individual mobile phones. However, each phone number can only be linked to one account.
Still have questions? Contact us.