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Frequently Asked Questions
Common questions asked by our members
Account Management
We have DCU Branches in a variety of locations throughout MA and NH.
After a loved one passes on, settling their accounts can be a difficult responsibility. We hope this information related to our role in this process will be helpful.
To ensure we address your specific situation, you will need to contact us by phone at 800.328.8797. We also recommend you contact your financial and legal advisors for assistance.
Further information can be found here: Deceased Member
If you feel you have been a victim of fraud, please contact DCU immediately at 800.328.8797. Please visit our Identity Theft Hotline page for more information. For information on ATM and Debit Card Security, Credit Card Fraud, and other scams, please visit our Privacy and Fraud Resources page.
Auto Loans
Please send your check to: DCU, Attn: Loan Services Dept. 853 Donald Lynch Boulevard, Marlborough, MA 01752.
Digital Federal Credit Union, PO Box 25166, Lehigh Valley, PA, 18002
- Dealer Purchase, click here.
- Lease Buyout, click here.
- Private Sale, click here.
- External Refinance, click here.
DCU can provide the best rates on loans when collateral is pledged as security for the loan until the loan is repaid. Among these loans are mortgages, home equity loans, auto loans, boat loans, and RV loans.
Whenever such property is pledged as collateral, we require that the property be insured against loss and that we are identified as the lienholder. We require proof this insurance exists as described in your loan agreement.
The insurance policy can be submitted by using one of the delivery options:
- Email: dcu@myloaninsurance.com
- Fax: 877.293.2059
- Mail: Digital Federal Credit Union, PO Box 25007, Fort Worth, TX 76124
Please allow 2 business days for our Insurance Tracking Center to review the insurance policy and update our records. A notification will be sent by email or mail if additional information is required.
Digital Federal Credit Union, PO Box 25007, Fort Worth, TX 76124.
Use our Intent to Sell form when financing a vehicle purchased via private sale.
The vehicle insurance policy must include the following requirements:
- Year, Make, Model and VIN
- Comprehensive and Collision coverage, with deductibles no higher than $1,000 each
- No excluded drivers
- DCU listed as Loss Payee/Lien Holder as follows:
Digital Federal Credit Union
PO Box 25007
Fort Worth, TX 76124
Fax the letter of guarantee request to 508-983-6335.
The request should include:
- Borrower name
- Vehicle year, make, and model
- Vehicle Identification Number (VIN)
- Claim number
- Settlement amount
- Date of loss
- Fax number or email address to send the letter
- Mailing address for title (once the loan is paid in full)
Send it to:
Digital Federal Credit Union
Attn: Loan Services
853 Donald Lynch Boulevard
Marlborough MA 01752
To avoid a delay in processing, the following information should be included with the check:
- Borrower name
- Vehicle year, make, and model
- Vehicle Identification Number (VIN)
- Mailing address where to release the title
Debit/Credit Cards
If your card is expiring within 30 days, a new card will be sent automatically, and you’ll receive an email with additional details.
To activate your new debit or credit card, please call 866.599.5630 and have your card ready.
Make sure you verify that your address is up to date online within the Digital Banking app or by contacting your local branch. If your card is expired and you have not received a replacement, please call 800.328.8797.
Learn more about Mobile Wallet and how to add your new card to your device.
Credit Reporting
DCU reports to the credit reporting agencies on a monthly cadence.
DCU reports to Transunion, Experian, Equifax, Innovis, ChexSystems.
DCU currently utilizes hard and soft inquiries to make decisions for lending purposes.
Please send Credit Bureau Disputes in writing to: DCU, PO Box 9130 Marlborough, MA 01752 for processing.
(Please include, Name, DOB, SSI, Tradeline in question, and all applicable details).
Contact the applicable agency directly for further assistance and specific directions.
Digital Banking
Deposit checks from home with DCU's Online Deposit! DCU is excited to offer another EASY way to do banking online. Online Deposit allows you to scan in your check deposits from home, the office, or even while traveling using your PC, Mac, or laptop and a scanner. Sign up today for Online Deposit!
You can also make deposits from your smartphone by registering for Mobile Online Deposit. The only thing you need to deposit checks into your accounts is an Apple iPhone or an Android powered smartphone with a built-in camera. (You must be a registered Online Deposit user to use Mobile Online Deposit)
Loans
DCU can provide the best rates on loans when collateral is pledged as security for the loan until the loan is repaid. Among these loans are mortgages, home equity loans, auto loans, boat loans, and RV loans.
Whenever such property is pledged as collateral, we require that the property be insured against loss and that we are identified as the lienholder. We require proof this insurance exists as described in your loan agreement.
MyLoanInsurance.com is a free, simple, and secure online way for you to submit your proof of insurance to us. To do so, just click on the link below and follow the instructions. It's as easy as that.
Go to MyLoanInsurance.com
The insurance policy can be submitted by using one of the delivery options:
- Email: dcu@myloaninsurance.com
- Fax: 877.293.2059
- Mail: Digital Federal Credit Union, PO Box 25007, Fort Worth, TX 76124
Please allow 2 business days for our Insurance Tracking Center to review the insurance policy and update our records. A notification will be sent by email or mail if additional information is required.
Membership
There are several ways to qualify for membership at DCU. Visit our Eligibility page.
You can find your member number in any of the following three ways:
- You can find your member number on any current statements you have with DCU; ie: Mortgage, Visa or account statement.
- You may call DCU at 800.328.8797 and speak to a Member Service Representative and request to have your member number mailed to you.
- You can visit any DCU Branch with a valid photo ID to obtain your member number.
Tax Forms
We know tax season can feel overwhelming—so we’re here to make it easier. At DCU, we provide your tax forms as soon as they're ready so you can file with confidence. Here’s a quick guide to when your tax forms will be available:
1099-INT | Interest earned on deposit accounts | Jan 31 |
1099-R | Distributions from retirement accounts | Jan 31 |
1099-Q | Distributions from education savings plans | Jan 31 |
1099-C | Cancellation of debt | Jan 31 |
1099-SA | Distribution from Health Savings Accounts (HSAs) | Jan 31 |
1098 | Mortgage interest paid | Jan 31 |
1042-S | U.S. income for foreign persons | Jan 31 |
5498-ESA | Education Savings Account (ESA) contributions | Apr 30 |
5498 | IRA contributions | May 31 |
5498-SA | Health Savings Accounts (HSA) contributions | May 31 |
If you received a 1099-INT from DCU, it means you earned $10 or more in interest from your account(s)—and we’re required to report that income to the IRS.
No, your 2025 tax forms will reflect the name of Digital Federal Credit Union, as the merger will not impact tax reporting for the 2025 tax year.
You will receive separate tax forms from each financial institution, based on the accounts you held and the interest earned at each.
Accessing your tax forms is simple and secure with DCU’s Digital Banking. If you're enrolled in electronic statements, your tax documents, including your 1099INT, will be available in Digital Banking once they're ready.
Here’s how to find them:
- Log in to Digital Banking
- Under the Membership tab, Click on View Statements and Tax Forms
- Under the Select Period drop down select the appropriate year, and tax form you need
If you haven’t enrolled in electronic statements yet, you can do so by first adding your preferred contact phone number and email in Digital Banking under Settings > Notification Preferences, then subscribing to electronic statements by toggling the Electronic Statement button. Enrolling ensures faster access and reduces paper mail—plus, it’s one less thing to worry about during tax season.
You will need the following information:
- DCU Account Number
- Your account number is located on the Account Details page in Digital Banking, click on the account and click “Show Details” (in desktop) or “Details” (in mobile) then click “Show” next to ACCOUNT NUMBER (in desktop) or the "ⓘ" icon (in mobile) to reveal the full account number.
- DCU Routing Number — 211391825
- Account Type — Savings/Checking
DCU does not issue tax forms for interest paid on non-mortgage loans, such as auto or personal loans.
If you plan to claim interest paid on one of these loans, you can find the total interest for the year on your December or final monthly loan statement.
If you need documentation to verify taxes paid as part of a vehicle purchase, contact DCU to request a copy of your Purchase and Sales Agreement.
Transfers
Money wires or wire transfers are a fast, safe way to move money between accounts at different financial institutions. Here are the fees for sending a domestic or international wire transfer:
| Transfer | Fee |
|---|---|
| Incoming Wire Transfers | FREE |
| Outgoing Wire Transfer: Domestic | $15.00 |
| Outgoing Wire Transfer: International Sent in Foreign Currency | $40.00 |
| Outgoing Wire Transfer: International Sent in US Currency | $50.00 |
Additional fees may be charged by the receiving institution
853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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Federally insured by NCUA
