Mobile Banking gives you instant connectivity to your accounts anytime, anywhere on your mobile device. Mobile Banking is available to all Online Banking members.
Once your device has been registered, you will be able to:
- View account lists and balances
- View transaction history for all accounts
- View spending pattern graphs (app only)
- Complete transfers, including loan advances and most loan payments
- Transfer money to another DCECU member
- Make bill payments to existing payees
- Send secure messages to the credit union
- Locate nearby Surcharge-Free ATMs
- Deposit Checks (on supported devices via app)
back to topRequirements
- Supported mobile device For example: iPhone®, iPad®, iPod Touch®, Android™ (2.1 or newer), BlackBerry® (Your device may support Mobile Banking even if unlisted.)
Mobile Check Deposit requires Android™ (2.1 or newer), iPhone® (iOS 4.3 or newer), iPad® (3rd gen or newer), iPad Mini, or iPod touch® (4th gen or newer) devices.
- Online Banking credentials (shares your Online Banking username and password)
- Valid email address on file
- Internet access on your mobile device
(Mobile service provider usage charges may apply. See service provider's terms and conditions.)
Mobile Check Deposit
Instead of visiting the credit union or an ATM to deposit a check, simply snap a picture of the front and back of your endorsed check and submit it for deposit with our Mobile Banking app on a supported mobile device.
Mobile Check Deposit is available for most Android™, iPhone®, iPad®, iPad Mini, and iPod touch® devices.
Note: 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.
Availability of funds matches that of our Account Agreement and Disclosure. Adjustments may still occur even after your funds have been made fully available.
For more information, please see our Mobile Check Deposit FAQs
back to topHow-To
When viewing our website on a mobile device, you will be offered a download link on the Mobile Banking login page if a dedicated app is available. If no app is available for your device, you may continue to use the Mobile Banking website. For your security, you will also need to complete a one-time registration for your mobile device.
Mobile Banking Website (Browser-based)
iPhone®, iPad® and iPod Touch®
"Mobile Finance Manager (MFM)" = "Mobile Banking". Due to the extensive variety of mobile devices, only limited technical support will be available for Windows, BlackBerry, and Java mobile devices.
back to topMobile Redirection
Mobile device users are automatically redirected to our mobile website, m.dcecu.org, upon visiting dcecu.org.
If you would like to return to the regular website, feel free to use the "Full Site" link at the bottom of the mobile homepage. You can also bookmark this link to prevent redirection.
back to topText Message Banking
Text Message Banking is an automated system that allows you to request account information and then receive that information via text message. Your cell phone does not have to be internet capable in order to use Text Message Banking. If you can send and receive text messages, this is the service for you! (An active ATM or Visa® Check card is required.)
With Text Message Banking, you can securely check your accounts without having to access a mobile website and enter a username and password. Just send a simple text code anytime to get your account balances. It's just one more easy way to keep tabs on your finances, wherever you go.
Text Message Banking is a free service from DCECU; however, standard text messaging charges from your service provider may apply.
back to topMobile Banking Frequently Asked QuestionsShow/Hide All
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™ (2.1 or newer) phone or tablet
- Windows Mobile® and PocketPC® (versions 6.x, 5.0, and 2003) (Note: Windows Phone 7® does not have a dedicated app.)
- BlackBerry® phones
- Phones that support Java™ applications
- More listed here (Note: Your device may support Mobile Banking even if unlisted.)
Yes, as long as your mobile device is running Android 2.1 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.”
Your device was detected as a mobile device. Mobile device users will be automatically redirected to our mobile website upon visiting dcecu.org. If you would like to return to the regular website, feel free to use the "Full Site" link at the bottom of the mobile website. You can also bookmark this link to prevent redirection.
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.
As many as you would like! There is no limit to the number of devices that are registered to an individual 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:
- 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.
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, and due date).
You will also have bill payment access to schedule new payments or to cancel scheduled payments. For your security, 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 not available in Mobile Banking at this time.
All standard security features are applied at login including multifactor authentication via one-time PIN and stored keys. 128 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.What You Can Do to Protect Your Information
Using your mobile device to check the balances of your accounts or to process a simple transaction is convenient and can save you time, but how do you make sure it is also secure? Ways to protect your information while using your mobile device:
- Password-protect your mobile device.
- Store your mobile device in a safe place.
- Treat your mobile device with the same level of care as you would a credit card. If it is lost or stolen and you have not protected it adequately, you may be at risk.
- Do not send confidential information in email or text messages (e.g., account numbers). It is important to understand that text messages are not encrypted the same way your mobile device information is. If someone gains access to your phone, they will be able to view any text messages sent or received that have not yet been deleted.
- Delete messages that contain account information, including account balances, and any alerts you receive on a regular basis.
- Only download files (photos, ring tones, video clips, etc.) from trusted sources.
- Follow the same rules you use on your computer with respect to opening email and attachments.
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.
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.
- 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.
This will occur if you have set your browser 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.
Yes, if you use the Mobile Banking application. 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, and view graphs (on Android and iPhone).
Yes, but the process varies slightly between devices:
- Mobile Banking Website (WAP): Simply enter a different username upon login.
- iPhone®, iPad® and iPod Touch® app: Go to setup > username > plus symbol > then the username field
- Android app: Go to setup > menu button > add/edit username > menu button > new
- BlackBerry app: Go to setup > username list > new username
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 at (989) 835-7794 or (800) 835-7794.
back to topMobile Check Deposit Frequently Asked QuestionsShow/Hide All
The ability to take a picture of a check (with a U.S. routing number) for deposit to primary savings or checking.
There currently no fee for depositing checks through Mobile Check Deposit.
Android, iPhone 3GS or newer, iPad 3 (Devices with cameras of sufficient resolution. e.g., not the iPad 1 or iPad 2, or early Android 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.
Not at this time.
Yes. You are allowed to deposit up to $3,000.00 per day and up to $10,000.00 per month.
Each check will need to be deposited separately.
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 business 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 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 business 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:
- You have exceeded your daily or monthly Mobile Check Deposit amount limit
- You have already deposited this check
- Poor picture quality
- Checks deposited must be payable to the primary or a joint member only, 3rd party checks will be returned.
- Any other DCECU rules (e.g. no checks payable to a business)
If you believe that this is in error, please contact us at (989) 835-7794 or (800) 835-7794.
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 at (989) 835-7794 or (800) 835-7794.
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 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.