DCECU’s new Online Banking brings the best of Online and Mobile Banking into one seamless experience making your banking experience personalized, faster, and more convenient.
Please read the FAQs below about the changes to Online and Mobile Banking. Additional FAQs will be added as we continuously expand and enhance information. Tutorials are also available to help you get started with the new platform.
We are always looking for ways to improve your member experience at Dow Chemical Employees’ Credit Union. This transition brings you a more modern design, intuitive navigation, and a consistent experience across all devices.
The new Mobile Banking App is available in the App Store or Google Play.
No. Account alerts that were set up in the previous Online Banking were not transferred to the new platform and you will need to reestablish your Alerts. View Adding Alerts tutorial.
No. There was no change to our Bill Pay Service. Your payments will continue to post. You will notice Bill Pay is called Payments in the new desktop version and Pay in the Mobile App.
Yes. Scheduled transfers you had set up in the previous Online Banking will continue to transfer as scheduled in the new platform, with the exception of any scheduled transfers to another member’s account.
The Online Banking web interface is not designed to securely store transactions on a mobile device or computer, and therefore there is no device profile to remove. The sign out on the website securely ends the session. It is always a good idea to close all browser windows as well.
While the 2-Step Verification code works the same for both the online browser and Mobile App, there are small differences in the way your access will be authenticated with subsequent sign ins. With the online browser, you may choose to save a trusted device by checking the box next to "Don't ask for codes again on this computer" which bypasses the 2-Step Verification. The Mobile App will let you configure an app passcode and you may also choose to use the device’s biometric feature, such as a fingerprint, if available. If you try to sign in using an unrecognized device or browser, you will be required to go through the 2-Step Verification to access your account.
Each member will create their own username/password and enroll in 2-Step Verification. Each member will sign in to their own Online Banking account and will have full view access to every account where they are a joint owner.
You can find your 6-digit member number (also referred to as your account number) on your DCECU Membership Card, statement, or checks, and within Online Banking or the Mobile App.
Navigate to Member transfer and select the account that you would like to transfer the money from. Enter the information of the member that you would like to transfer money to (first 3 letters of last name, member number (account number), type (Share for savings or checking), the share number (00 for Prime Share and 05 for Checking) and the amount you would like transferred.
Your credit card transactions will not display in the Activity section. To view your Visa Credit Card transactions, you may navigate to the Accounts tab and select the Credit Card. From there, you can select ‘manage cards’ to be directed to the full Visa Credit Card management site.
To apply a payment to your Visa Credit Card from your account here at the credit union, you can complete a transfer by selecting 'Make a transfer' under the transfers section. You would then select your Visa Credit Card as the transfer to account.
If you would prefer to pay your visa credit card from another Financial Institution or schedule the payment for a later date, you may navigate to the Accounts tab and select the Credit Card. From there, you can select ‘manage cards’ to be directed to the full Visa Credit Card management site.
For security reasons, your account will automatically unlock after 24 hours of no attempted sign ins. Additional attempts to sign in will restart the 24 hour lock out.
If 24 hours have passed since the authentication problem occurred and you are ready to proceed, you may try first your password from before the migration. If this is accepted, then you may set up a new password and proceed with 2-Step Verification set up or use. If the password from before the migration doesn’t work, then try the new password that you used. If that works then you are able to proceed with 2-Step Verification set up or use. If neither password works, use the Forgot? Password link.
Online Banking users are required to be members of the credit union. A joint owner who is not a member and wishes to use Online Banking must become a member first.
Select the Register link located below the Online Banking Sign In box at dcecu.org and follow the steps. A Step-by-step tutorial is available for new Online Banking users enrolling using the DCECU App or DCECU Website.
Yes. The new Mobile Banking App is available in the App Store or Google Play.
If your session is inactive for 10 minutes you will automatically be signed out for security reasons.
Select Forgot? link available within the sign in screen. You will be required to verify personal information and complete 2-Step Verification.
You can change your username or password at any time by signing in and navigating to your Security Settings.
Use the Accounts tab and select any share or loan and then choose Manage Alerts. View Adding Alerts tutorial.
Dashboard cards can be added, removed, resized, and reorganized based on your personal preference. Select Organize dashboard at the very bottom of the Dashboard page.
Select the checking account that the check cleared through. Then choose the transaction to view details and check image.
Select your checking account then Reorder checks.
Use the Move Money tab and select Pay a bill.
There was no change to our Bill Pay service. Your payments will continue to post.
Choose any share and then select Documents.
DCECU does not endorse the use of Online Banking for business purposes and does not support providing passwords or personal account information to any other person or company. Online Banking is intended for personal use only.
While Apple Watch support was not included in the transition, watch for a future announcement regarding this capability.
Integration with Quicken and Mint will be available a week after the launch of the new system.
Yes. You can easily start a conversation to do an inquiry on your account or send documents through the new secure messaging feature.
You will need to call our Member Contact Center at 989.835.7794 or 800.835.7794 during normal business hours.
Yes, you have access to 18 months of eStatements.
Yes, you have access to 18 months of notices and tax forms.
For support, go to our contact page and you can either live chat, call or email us between the hours of 7:00 am to 6:00 pm Monday through Friday. If you are signed in to Online Banking and need assistance, you can always send us a message and a response will be sent within 24 hours.
2-Step Verification (also known as two-factor authentication, or 2FA) is a stronger authentication to access your account. 2-Step Verification will change the way you access your accounts by using an additional step to verify that you are the authorized account user when you sign in from a new or unrecognized device or browser.
2-Step Verification works similar to your existing sign in procedure but uses an additional step to verify that you are the authorized account user. When you sign in from a device or browser that isn’t recognized, you’ll be asked for a 2-Step Verification code that will be sent to you via a method that you choose during registration. The methods to receive the code are through Authy, a free app on your device; a SMS text message to your mobile phone; or through a voice call to your landline or mobile phone.
While the 2-Step Verification code works the same for both the online browser and mobile app, there are small differences in the way your access will be authenticated with subsequent sign ins. With the online browser, you may choose to save a trusted device by checking the box next to "Don't ask for codes again on this computer" which bypasses the 2-Step Verification. The mobile app will let you configure an app passcode and you may also choose to use the device’s biometric feature, such as a fingerprint, if available. If you try to sign in using an unrecognized device or browser, you will be required to go through the 2-Step Verification to access your account.
Each member will create their own username/password and enroll in 2-Step Verification. Each member will sign in to their own Online Banking account and will have full view access to every account where they are a joint owner.
Authy is a free app for your mobile device or desktop which generates secure tokens for 2-Step Verification.
No. Security images and challenge questions have been replaced by a secure access code.
To support the security measures we put in place to keep your data safe, we require the use of a modern browser. As new versions of browsers are released, our Online Banking platform will deprecate support for older versions. Below are the details for each supported browser.
Yes, we use cookies in conjunction with our online banking product to establish a unique session with your computer to prevent fraudulent and/or unauthorized access to your account. Our online banking product places three different cookies. These cookies are randomly generated strings and contain no member data. One cookie is used to manage the current online banking session and is only valid for the duration of the session. In addition, when clicking the “Sign Out” link to log off, this cookie is invalidated on the server. The other two cookies are used as part of the “Remember my computer” functionality. Additional cookies are used for website statistics in order to identify unique visitors. No member-sensitive information is stored within these cookies.
Unless your username and password have been compromised, your account and account information are 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.
While we recommend that you don’t access your accounts through Online Banking on a public or shared device (see dcecu.org/security/), there are some things you can do to reduce your overall risk and safeguard your personal information.
When you sign in to Online Banking, make sure you do not check any boxes that state “Remember me on this computer” or similar, and ensure that you are not agreeing to save/store your password.
DCECU members who use Google Chrome should review their browser settings and make sure they are using Open a new tab, not Continue where you left off on Startup. This will ensure that other users of the public or shared device will not be redirected to the last page you visited when they re-open the browser.
Navigate to Settings, select On startup and select Open the New Tab Page (see screenshot below).
Alternately, if you use Firefox, navigate to Options, select General and uncheck Restore previous session.
Also, whenever browsing any sensitive websites online such as online banking, it is a good idea to use Incognito Mode in Chrome or Firefox.
| Chrome (Incognito Mode) | Firefox (Private Mode) |
|---|---|
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This will ensure that all cookies and active sessions are cleared when you close the browser.
Navigate to Account settings and ensure that you haven’t hidden the account you wish to transfer to or from.
Select the account from your Dashboard or Accounts tab for transaction history.
This is the balance of your account with consideration to any holds and/or pending debit card authorizations.
Use the Accounts tab and select Account opening.
Use the Accounts tab and select Apply for a loan.
Access the Mortgage Solutions portal from the Apply Now button located on the Mortgage Loans or Home Equity Loans page. Or from your browser at https://mortgage.dcecu.org. Once you decide to request a Mortgage Pre-Qualification or select which mortgage loan type you want to apply for, you will be prompted to create a “Mortgage Application Login and Password”. The Mortgage Application logon is not your Online Banking logon.
Use the Accounts tab and select the Pending link to view any items available in the ACH Warehouse that are pending for deposit or withdrawal.
Yes, you can see transactions, make payments, and still utilize Visa Full Access for alerts, electronic statements and all existing services.
Your credit card transactions will not display in the Activity section. To view your Visa Credit Card transactions, you may navigate to the Accounts tab and select the Credit Card. From there, you can select ‘manage cards’ to be directed to the full Visa Credit Card management site.
To apply a payment to your Visa Credit card from your account here at the credit union, you can complete a transfer by selecting 'Make a transfer' under the transfers section. You would then select your Visa Credit Card as the transfer to account.
If you would prefer to pay your visa credit card from another Financial Institution or schedule the payment for a later date, you may navigate to the Accounts tab and select the Credit Card. From there, you can select ‘manage cards’ to be directed to the full Visa Credit Card management site.
The link for YourRewards is not yet available on the new platform, but we are actively working to get it added back into your Online Banking as soon as possible. In the meantime, you can access YourRewards by going directly to the YourRewards site: https://www.dreampoints.com/dcecu/ (please be aware you would have to create a separate log in for this direct link) or you can contact the YourRewards company directly at 844-773-9273.
Use the Move Money tab and select Make a transfer.
Select Move Money and then Transfers or choose Make a transfer from your Dashboard. Select the accounts you wish to transfer to and from, input your amount, and then elect your transfer frequency.
Use the Move Money tab and select Transfer to a member.
Yes, use the Move Money tab and select Pay a bill. Create the payee and schedule the transfer through the existing Bill Pay system that remains unchanged.
Yes, select Make a transfer and then choose the accounts you wish to transfer to and from.
Sign in to the app, then open the menu and select "Deposit Check." Select which accounts you’d like to deposit into and begin your Mobile Deposit activation. Enrollment will be completed within two business days.
Select “Deposit Check” from the main menu to begin the process. Enter the amount listed on the check and select which account you’d like to deposit it in to. Please sign the back of your check and write “For Mobile Deposit at DCECU only.” Then tap the screen to take pictures of the check and make your deposit.
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.
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 or was returned for any other reason after it was deposited, you will not be able to redeposit it via this channel.
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 never 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.
Biometric Authentication is an alternate method for signing in to the Mobile App that uses biological characteristics - rather than a passcode - to verify your identity.
No. Biometric Authentication can be used instead of entering your password at sign in, but you will still need to retain a valid password.
Still have questions? Contact us.
