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Digital Banking Conversion Guide

Empower your financial future with DCU Digital Banking.

Since 1979, we’ve known that digital is the future. Not only is it in our name. It’s in our company DNA. That’s why we’re reinventing what digital banking means to you – bringing together innovative tools and unique features that help you take control of your money. 

DCU Digital Banking offers built-in financial wellness tools that put you in the driver’s seat and provides a holistic view of your finances. This means you view all of your accounts in one place – including ones at other financial institutions.

Our unique-to-you banking experience focuses on your money’s future – making it easy to create strategic financial goals and review your progress every step of the way. We can also help you pay off your loans even faster with our easy-to-use payment planner.

FutureLook™
FutureLook™ helps you see into your financial future by providing insight into your spending habits. When you opt into this feature, you’ll see an easy-to-read forecast based on the cumulative effect of income and expenses you have within the checking account you elect.

Specifically, FutureLook™ identifies your recurring income (e.g., paychecks), recurring expenses (e.g., electric bill), and average daily spending (e.g., the morning coffee run). By doing so, you can see your estimated checking account balance one month into the future (on a daily basis) and one year into the future (on a monthly basis).

All in all, FutureLook™ is a unique tool that helps you see how your money could better serve you.

Goals
We make it easy to focus on your life goals with a digital banking experience that was designed for you. You can create strategic financial goals and review your progress every step of the way. No matter what you’re saving money for, we can help you create a personalized action plan that works for you.

Auto Pay Planner
Our easy-to-use payment planner can show you the benefits of paying more towards your loans. It will help answer questions like these:

  • “If I paid more on my auto loan, how much interest would I save?”
  • “If I only make the minimum payment, when will I be debt-free?”
  • “How quickly can I pay off my loan?”

  • Your member number
  • Your account and card numbers
  • Your PIN
  • DCU's routing number - 211391825

  • Both Online Banking and Mobile Banking are now named Digital Banking.
  • To access Digital Banking through your mobile device, you will need to download the new DCU Digital Banking app.
  • Money Management is no longer available.
    • Our new Digital Banking platform offers integrated tools, designed to help you manage your money.
  • Payment Center and CashEdge are now retired.
    • Account to Account transfers are now done by connecting and enabling external accounts, and by selecting Transfer Money and choosing your other financial institutions.
  • People Pay (payments to non-DCU members) and Member to Member (payments to DCU members) are now named Pay a Person.
  • Account Manager is now named Membership.
  • DCU Text Alerts are now found under Your Notification Preferences.
  • Loan Suite is now named Offers.
  • You will now sign into Digital Banking with a username and password (rather than your member number).
    • Your member number will still be required to access your membership information in-branch, over the phone, or via online chat.
  • Statements are now accessible in the mobile app.
  • You will no longer be able to validate your device (one-time passcode) via email.
    • Validation will only be available through call/text.
  • Quick Balances on your mobile devices are no longer available.
  • Inbox is now named Messages and is now found under Profile.

  • Please take note of your current Online Banking password (especially if you access our Mobile Banking app using FaceID or TouchID), you’ll need it to log in to the new platform for the first time. If you don’t know your password, we recommend using the Forgot Password tool to reset it as soon as possible, before conversion. 
  • How do I update my contact information?
    • You can update personal information by clicking on the person icon in the upper right-hand corner of the page and selecting My Profile from the dropdown menu. You’ll be able to update your phone number, email address, mailing address, and password.
  • eBills will need to be set up again.
  • People Pay contacts will need to be re-entered (email or phone number, no bank information required.) in Pay a Person.
  • Wire transfer information will not be converted in Wire Status.
  • Alerts and notifications you currently receive will need to be set up again in Your Notification Preferences.
    • You can set up a notification by clicking on the person icon in the upper right-hand corner of the page and selecting Your Notification Preferences in the dropdown menu.
  • Account-related communications will be sent to Messages. To avoid missing a notice, be sure to check this often.
  • Check payments in Bill Payer will now be sent 5 business days before the due date. Please make sure funds are available in your account 5 business days before your payment due date. Currently, payments are sent 3 business days before the due date.
  • Electronic payment (outside of DCU) funds need to be available in the account before 4:00pm ET the day the payment is due. Bill Pay will only try to collect funds once. If funds are unavailable, the payment will not be made, and a notification will be sent to your email on file.
  • When converting payments to Digital Banking, members will need to validate external accounts before they can edit a payment.
  • Bill Payments that fall on a non-business day will be processed 1 day prior. A notification will be sent to members 7 days before the scheduled payment informing them to have funds available.
  • Mortgage Loans can now be viewed and paid online. Members can make same day payments from their DCU account or can set up a one-time or recurring payment from an external financial institution.
  • Electronic billers may have payments sent via check. Some check billers may have payments sent electronically. Members should track which payments they have and how they're sent before conversion.
  • Members who have the same biller set up in their account multiple times will have them all deleted, except for the most recently paid.
  • Bill Payer payee account numbers must be no more than 22 characters long and cannot be truncated to fit otherwise there may be issues with payment processing.
  • Round It Up will be turned off prior to conversion. Members will need to re-enroll on the new platform.

220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
800.328.8797

ABA Routing Number: 211391825
NMLS# 466914

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