You might also be interested in our:

Coronavirus (COVID-19) Updates from DCECU

Currently, DCECU is accepting appointments for limited lobby services. Schedule an Appointment

Throughout the COVID-19 pandemic, DCECU has remained available to meet the majority of your banking needs 24/7 through online/mobile/phone banking, credit/debit cards and ATMs. In addition, we were able to modify services we typically delivered in person to accommodate the Stay Home, Stay Safe order in Michigan. Thank you for your continued patience and support as we take steps toward returning to full-service in-person operations to ensure the health and safety of our members, employees and community.

DCECU provides the following information as a guide to business operations during the COVID-19 crisis. Please visit this page regularly for important credit union updates.

Latest DCECU News

COVID-19 Update

Expanded Appointment-Only Services and Lobby Update

06/24/2020

Michigan’s efforts to limit the spread of COVID-19 and flatten the curve have proven effective as the state is currently on track to contain the virus. While we all feel optimistic and are enjoying some normalcy, we must remain vigilant to prevent a second wave in our state. Thank you for doing your part to limit the spread of COVID-19, as we continue to do our part as your financial institution.

At the beginning of June, DCECU began implementing a phased plan to return to full-service in-person operations gradually to ensure the health and safety of our members, employees and community. Throughout the month, we have taken appointments for select lobby services and our phased plan remains on track.

We are pleased to announce expansion of our in-person services by appointment and the re-opening of our lobby for walk-in service as follows:

  Wednesday, June 24 Wednesday, July 8  
Lobby Access Appointments Only Lobby Open for Walk-In Service
Appointments also available
 
Lobby Services Available All non-lending services* All non-lending services*  
Notes Appointments can be scheduled online, by calling 800.835.7794 or through a secure message within Online Banking or the Mobile App. We are preparing to welcome you back by ensuring all the proper safety protocols are in place to support a healthy branch environment. Please look for a future communication on what you can expect when you visit us.  
       

DCECU thanks our members for taking the following actions to limit the spread of COVID-19 by:

  1. Limiting in-person transactions and office visits to minimize lobby traffic.
    • *All loan, credit card and mortgage loan applications will continue to be accepted online or by phone.
    • Drive-Thru and Member Contact Center are available during normal business hours to serve you.
    • Using self-service channels such as Online Banking, our Mobile App, credit/debit cards, and our extensive ATM network whenever possible to safely manage your accounts from a distance.
  2. Wearing a required face covering when entering our lobby for the safety of our members and employees.
  3. Leaving your coin at home. Coin will not be accepted at this time via coin machines, lobby, or drive-thru.

DCECU continues to evaluate the most current government guidance and recommendations regarding COVID-19 while balancing the needs of our members for in-person services.

Thank you for your continued patience and support as we take steps to return to full-service in-person operations that prioritizes health and safety for all.


DCECU COVID-19 Communications

Hours of Operation

The following DCECU services are currently available to serve members:

LobbyThe lobby at our office (located at 600 E. Lyon Road in Midland, MI) is temporarily closed for walk-in service.

All non-lending services* are available by appointment only.
You can schedule an appointment online, by calling 800.835.7794, or through a secure message within Online Banking or the Mobile App.
Please note, for the safety of our members and employees, anyone entering the lobby will be required to wear a face covering unless there is a medical reason you are unable to do so.

* All loan, credit card and mortgage loan applications will continue to be accepted online or by phone.
Drive-ThruMonday - Friday 7:30 a.m. - 5:30 p.m. ET and Saturday 9:00 a.m. - 1:00 p.m. ET with limited services available*.
DCECU drive-thru staff is following social distancing recommendations resulting in reduced drive-thru lanes and extended wait times. Please consider using our 24/7 services or call our Member Contact Center.

* Non-essential member services via drive-thru will be suspended until further notice including non-member check cashing, stamp purchase, gift card purchase, and foreign currency exchange. Foreign checks may be dropped off for processing with completion of transaction confirmed by mail.
Member Contact Center 989 or 800.835.7794Monday - Friday 7:00 a.m. - 6:00 p.m. ET
24/7 ServicesOur online/mobile/phone banking services, credit/debit cards, and ATM network are also available 24/7 for the majority of your banking needs.

DCECU is committed to continuity of service to all members. Please share any urgent need that requires special consideration by bringing the matter to our attention so that we can assist you.

Your Money is Safe

Your money is safe with us. Rest assured, DCECU stands financially and operationally strong in the midst of an uncertain world around us. We have an incredibly solid capital position and are prepared to weather this storm. We are federally insured with the backing of the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF is very similar to the Federal Deposit Insurance Corporation (FDIC) insurance that you may be familiar with at banks. Your money will always be here when you need it.

  • DCECU share/deposit accounts are federally insured up to at least $250,000 per person.
  • Joint accounts are insured separately up to $500,000 (maximum $250,000 for each joint owner). The interest that a joint owner has in all joint accounts will be added together and insured up to $250,000.
  • Not one penny of insured savings has ever been lost by a member of a federally insured credit union.
  • Additional account types may provide additional insurance.
  • Please visit mycreditunion.gov for more information.

Need Help?

We are in this together. DCECU is here to help in tough times.

It is inspiring to see financial institutions all around us stepping up to ensure their members or customers are well-served during this time of uncertainty. Several of them are offering one-size-fits-all relief programs to address the needs of their community. DCECU is taking an alternate approach, leveraging our long history of customizing solutions to meet individual member needs during times of hardship. DCECU is perfectly positioned to care for our members and our Member Solutions Team will be ready and waiting for your call when you need us.

We have already helped many members who have reached out regarding their situation, and we have responded to questions and concerns from additional members as well. We have customized solution options to grant increased access to cash, reduce fee impact, or possibly extend your loan payments.

Members Experiencing IMMEDIATE Hardship

If you are currently experiencing personal, financial impacts related to COVID-19, subsequent government or employer actions, we are here for you. Rest assured, DCECU is ready to work with members on an individual basis to resolve loan payment issues and other financial concerns. Please reach out to our Member Solutions Team at 989 or 800.835.7794 so that we can identify a solution that specifically addresses your need.

Members with Questions about FUTURE Hardship Concerns

If you are not currently financially impacted by this crisis, we are so grateful. In the traditional cooperative spirit of credit unions, we thank you for doing your part by continuing to support our economy and also making on-time loan payments to keep your credit union healthy. While we are currently experiencing higher than usual call volumes, please allow us to remain focused on assisting members with immediate hardship needs. If/when the time comes that you are financially impacted, our Member Solutions Team will be ready and waiting for your call at 989 or 800.835.7794.

DCECU cares about all of our members and appreciates your understanding as we prioritize resources to serve members with the most immediate needs or greatest financial impact. We are in this together.

We Need Your Help (What You Can Do)

DCECU is prepared to weather this storm alongside our members. But we need your help. There are several actions you can take to protect yourself and manage your financial life. Here is a list of ideas to strengthen your resilience during this trying time.

  1. FOLLOW THE ADVICE OF GOVERNMENT HEALTH AUTHORITIES

    The number one thing you can do is follow the advice of government health authorities regarding COVID-19 to maximize your personal health and well-being. While we love to see you, we provide alternate services so members don’t have to visit us to access their accounts. For your health and the protection of our staff and community, we request you refrain from using DCECU in-person services or conducting face-to-face financial transactions as much as possible.

  2. USE SELF-SERVICE TOOLS

    DCECU encourages members to utilize self-service/remote tools to the maximum extent possible to support social distancing and prevent spread of the virus. Electronic services may be easier and healthier options than visiting our branch or passing cash from person to person.

    DCECU is committed to continuity of service to all members by providing a robust suite of products, services and tools to ensure reliable access to your accounts. In addition to 24/7 ATM access, members can obtain account access anytime, anywhere, on any device through our online, mobile and phone banking services. Find a product or service that fits you:


    Using a combination of these services, you can view balances, transfer funds, make most loan payments, open new share accounts, pay bills, apply for a loan, view cleared checks, deposit a check on your mobile device - all without exposure to a public social environment. In addition, you may use our extensive ATM network, along with your DCECU ATM or Visa® Debit Card, to make deposits, withdrawals, transfer funds and inquire about your account balances. All of these services are designed to provide you with easy access to your accounts without having to visit our office.

  3. MINIMIZE CASH TRANSACTIONS

    According to the World Health Organization, cash may be contributing to the spread of COVID-19. Use cash alternatives provided by DCECU in lieu of cash whenever possible:

    1. Use your DCECU Visa® Debit and/or Credit Cards
    2. Use contactless payments (Apple Pay®, Google Pay, Samsung Pay®, Fitbit Pay, Garmin Pay)


  4. BEWARE OF SCAMS

    Unfortunately, national crises bring out con artists seeking to take advantage of the vulnerable and the unwary. Be on the lookout for suspicious emails, text messages and phone calls leveraging the COVID-19 outbreak to convince you to share sensitive information such as usernames and passwords, download software, or make purchases or donations. Scammers often pose as a government agency, company, or even a charity.

    Remember that DCECU will NEVER contact you asking for this information.

    Arm yourself against these attacks by reading more about current scams and learning how to recognize the warning signs.


  5. PLEASE BE PATIENT

    DCECU appreciates your patience. For the protection of DCECU staff, we have enacted a robust work-from-home program and will be minimizing in-office staff which may result in extended response times. Due to the high volume of member inquiries, wait times may be longer than usual and phone calls may experience decreased audio quality. Your matter is very important to us and we are working very hard to remain available to our members. In lieu of calling, please consider our 24/7 option of contacting us by starting a Conversation through Online Banking or the Mobile App. Thank you for your patience and cooperation.

  6. ASK FOR HELP

    These are uncertain times. No one should struggle alone. Allow us to be there for you. If you are currently experiencing financial difficulty, finding it difficult to meet your obligations, or need help, please reach out to our Member Solutions Team.

DCECU would like to remind you that the safest place for your money at a time like this (or any time) is an NCUA-insured credit union. We are working hard to ensure you’ll have access to banking services and cash when you need it.

Frequently Asked Questions (FAQs)

    • DCECU Operations FAQs

      • What are the hours for drive-thru service?
        • Our drive-thru hours are Monday – Friday 7:30 a.m. - 5:30 p.m. EST and Saturday 9:00 a.m. – 1:00 p.m. EST. Please expect extended wait times.
        • For faster service, use our self-service channels such as Online Banking, our Mobile App, credit/debit cards, phone banking (1Call) service, and our extensive ATM network whenever possible.
      • Is there a time of day that the drive-thru line is shorter?
        • Currently, our average wait time in the drive-thru is approximately 40 minutes. Wait times are typically longer in the afternoon, all day on Fridays, and the first week of each month. Typically, lines are shortest in first 2 hours of service.
        • We apologize for extended wait times as we have limited the number of employees working and reduced the number of available lanes in the drive-thru in order to maintain appropriate space between our employees recommended by the CDC.
        • To receive the most expedited service, there is little to no wait times at DCECU (or other) ATMs. Find an ATM near you.
      • When will the lobby reopen?

        Our lobby will open for walk-in service on Wednesday, July 8 for all non-lending services during our regular business hours of Monday through Friday, 7:30am-5:30pm. Loan, credit card and mortgage loan applications will continue to be accepted online or by phone only.

      • Should I expect longer than normal wait times on the phone?

        Yes. For the health and safety of DCECU employees, we have enacted a robust work-from-home program and will be minimizing in-office staff which may result in extended response times. Due to the high volume of member inquiries, wait times may be longer than usual and phone calls may experience decreased audio quality.

        As an alternative, you can start a Conversation with us 24/7 through Online Banking and the Mobile App.

      • Am I still able to withdraw my money if I need access to cash?

        Yes. If you need to withdraw cash, you may do so at our drive-thru or a DCECU ATM. DCECU members also have access to nearly 30,000 surcharge-free non-DCECU ATMs nationwide through the CO-OP network. To locate a DCECU or CO-OP ATM near you, visit dcecu.org/atms.

      • Is the money I have deposited at the credit union safe and insured?

        Yes. DCECU continues to be financially sound with a strong capital position. In addition, DCECU shares/deposits are backed by the full faith and credit of the federal government and are insured up to at least $250,000 per individual depositor. The National Credit Union Administration (NCUA) is the independent agency that administers the National Credit Union Share Insurance Fund (NCUSIF). Not one penny of insured savings has ever been lost by a member of a federally insured credit union.

    • ATM FAQs

    • Financial Assistance FAQs

      • Will DCECU be offering a 90-day loan deferment that other institutions are offering?

        DCECU is monitoring the current economic situation closely and we are aware that it is impacting members to varying degrees. DCECU will be customizing solutions for members on an individual basis to resolve issues that occur. If you are currently experiencing financial hardship, a member of our solutions team would be happy to assist you.

      • I’ve been financially impacted by COVID-19. Can DCECU help?

        Yes. If you are currently experiencing personal, financial impacts related to COVID-19, subsequent government or employer actions, we are here for you. Rest assured, DCECU is ready to work with members on an individual basis to resolve loan payment issues and other financial concerns. Please reach out to our Member Solutions Team at 989 or 800.835.7794 so that we can identify a solution that specifically addresses your need.

    • Government Stimulus Payment/Check FAQs

      • How will I receive my government stimulus check(s)?

        U.S. Treasury Secretary, Steven Mnuchin, has stated that the administration expects Economic Impact Payments (stimulus money) to be delivered to eligible individuals who have direct deposit information on file with the Internal Revenue Service. Further, he shared that a web-based system will be created for people to submit direct deposit information to expedite delivery of their stimulus money. Otherwise, checks will be mailed.

        Click here for direct deposit information.

      • How do I set up direct deposit of my government stimulus check(s) or unemployment?

        Follow instructions from the IRS or unemployment agencies for specifics. You can have your DCECU direct deposit information ready by viewing this resource.

      • What do I do if/when I receive my government stimulus payment in the form of a check?

        If possible, DCECU suggests being proactive in providing the IRS with your direct deposit information as soon as you are able. Direct deposit is the safest – and fastest – way to get your stimulus money.

        If you do receive a check, to enable you to stay home and stay safe, and for the greatest protection of our staff - we provide several options for you to deposit this check and recommend the following in priority order:

        1. Submit your deposit using our Mobile App’s Mobile Check Deposit feature.
        2. Deposit it at an ATM near you. DCECU has temporarily increased ATM withdrawal limits to enable up to two $500 cash withdrawals per day, up to a maximum of $1,000 daily.
        3. Mail your deposit to P.O. Box 1649, Midland, MI 48641-1649.
        4. Stop into our drive-thru (only if necessary to minimize person-to-person contact).
      • What if I did not file a tax return in 2018 or 2019?

        If you did not file a tax return in 2018 or 2019, you can submit your basic personal information to the IRS to receive stimulus payments. Click here to access the IRS online tool for non-filers.

Resources

Protect yourself by staying informed with the latest updates and tips on how to limit the spread of COVID-19 (the coronavirus) by regularly checking information from reliable state and federal agencies.