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Personal and Business Banking

Pre-Authorized Recurring Transfers (ACH)

A convenient way to move money between institutions

  • Important Points
  • Details
  • Resources
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Pre-Authorized Recurring Transfers (ACH)

  • Pay recurring bills directly from your DCU account
  • Move money to your DCU account from other payers
  • It's free both ways


Open quote I am highly impressed with the service of DCU. I look forward to a long partnership with DCU. Thank you again for making me a part of your family. Close quote

— DPS, Reston, VA

Pre-authorized ACH Payments from your DCU Account

Also known as pre-authorized debits, withdrawals, or ACH payments, this is a convenient way to pay recurring bills. Many utilities, insurance companies, and others that bill you regularly offer this option. It's free at DCU.

Contact the company and inquire if the service is available. You send them a voided check and sign an agreement. With this method, the biller electronically charges your checking account for the amount due on the due date. You don't need to send the money early. Each transaction will appear on your monthly statement, eStatement, and account history in Online Banking and Mobile Banking. It's reliable and saves time.

Make sure you deduct these payments from the balance in your check register in advance of the actual payment date to avoid over-drafting your account. You can make recurring transfers from your DCU account to another financial institution with a completed Authorization and Agreement for Pre-authorized Withdrawals Form (.pdf format) in order for recurring transfers to begin.

Pre-Authorized ACH Payments to your DCU Account

This service (also known as debit transfers or ACH origination) allows you to automatically move money from your accounts at another financial institution to your accounts at DCU. You can make recurring deposits into your DCU checking or savings account or make recurring DCU loan payments.

You choose which DCU account the money goes into and which account at your other financial institution the money will be transferred from. It's free at DCU, but the other institution may charge a fee.

You have the option to send money to DCU weekly, biweekly, or monthly. You must submit a completed Authorization and Agreement for Pre-authorized Payments Form (.pdf format) in order for recurring transfers to begin.


Open quote Everyone that I worked with was extremely helpful and very pleasant! Close quote

— Beth, Milford, MA

Related Services and Tools

  • Direct Deposit – It's fast, safe, easy, and it's one of your tickets to many money saving benefits when you direct deposit your net pay, Social Security, or pension to your DCU checking account.
  • About Online Banking Bill Payer – Learn about this service and convenient free alternatives such as pre-authorized ACH payments and pre-authorized credit card charges.
  • StreetWise Guide to Direct Deposit and ACH Transfers – Learn what they are and how you can use them to simplify managing your finances.
  • StreetWise Guide to Reg D Transfer Limits – Learn what accounts are affected by federal limitations on monthly electronic transfers and how you can avoid problems with
  • Money Wires – Send money from your account to an account at another financial institution overnight

Related Forms and Disclosures