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DCU Routing Number: 211391825

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New Members Guide

New Members Guide

Welcome to DCU!

New Member Guide

Imagine a company whose purpose is to help you achieve financial well-being. Wouldn't they put your needs first? Wouldn't they try to save you money wherever they could? Wouldn't they make it easy for you to get what you need? Wouldn't they serve you with respect? You don't have to imagine.

We're Digital Federal Credit Union. Most members simply call us DCU. Over 1 million DCU members have made us one of the fastest growing credit unions in America. People often choose us for the value and convenience they see in our products and services. They stay and refer their friends and family for a deeper reason. They feel how much the people of DCU care about them and are determined to help them make the right financial decisions. It's Banking – The DCU Way. 

Experiencing The DCU Way

Everything you need – easy to use – We want to be your first choice for everything financial. We strive to do that every day. We continuously improve the services we offer and make them available whenever and wherever you need them

Serving you is our only priority – We are a credit union. A credit union is a not-for-profit financial cooperative. That means we are owned by and operated for you and your fellow members.

Our people care about you – To serve you the way you deserve, we've built a dedicated team of friendly people eager and ready to go the extra mile for you.

Consumer education – Our award-winning, unbiased StreetWise Consumer Education Program is strong evidence of our commitment to member consumer and financial education.

We listen to you and respond – If you have a question, problem, or concern, you can expect us to take it seriously and address it fast.

Getting the most from DCU

When you let us help you in every way we can, you'll receive the maximum benefit from your membership. It's what we're here for. That means choosing DCU to satisfy all or most of your financial service needs.

That starts with a DCU Free Checking Account with Plus or Relationship Member Benefits. To learn more about the available benefits visit our Free Checking page.

How to access your accounts

Digital Banking

Access and manage your accounts anytime through DCU's website and mobile app with Digital Banking. Check your balances, make withdrawals, transfer funds between your accounts and to other members' accounts, pay a person, pay bills online, make loan payments, get copies of cleared checks, order services online, and more. Do this from your home or office computer, or a mobile device and internet connection or your wireless service provider. To access your accounts for the first time use your member number and the last 4 digits of your social security number unless you have opened your membership more than three weeks ago and received your PIN – if you have received a PIN, you must use this to complete the process). You will be prompted to create a unique username and password for Digital Banking upon your first log on.

DCU Website

Get information on all of DCU's products, services, and rates online 24 hours a day. You can even apply for loans, shop for cars, order checks, use calculators, get the latest DCU news and special offers, send us an email, and much, much more.  

Self-Service Telephone Banking

All of your accounts are just a phone call away with Self-Service Telephone Banking. Use it, FREE, 24 hours access from any touch-tone phone. Call 800.328.8797.


Use your DCU Debit Card FREE at any DCU ATM 24 hours a day. Your DCU Debit Card is accepted at any terminal displaying the Visa logo and gives you access to over 80,000 surcharge free non-DCU ATMs nationwide displaying Allpoint, SUM or CO-OP logos.

*Other institutions may charge you for using their ATM’s. These are called surcharges. With Plus or Relationship Benefits level, DCU will reimburse you up to $10 per month in non-DCU ATM surcharges for Plus Benefits or up to $25 per month in non-DCU ATM surcharges for Relationship Benefits.

24-Hour Access Consumer Loan Call Center

Apply for loans 24 hours a day by calling 800.328.8797 and simply saying, “Apply for loans.” You will be guided through the application process. If you need help at any time, you can say “Help,” and the system will guide you through the process. If you prefer to speak to someone live, you can say “Agent” and you will be connected to a live person.

Other Ways to Access Your DCU Accounts

DCU's Branches and ATMs

To find the branch and ATMs nearest you, visit our Branch/ATM Locator.

CO-OP Shared Branches

As a DCU member, you can make deposits and perform other DCU transactions at thousands of CO-OP Shared Branches. CO-OP Shared Branches are part of a network of credit unions that accept member transactions on behalf of other credit unions.

Bank By Mail

Mailing deposits from home just got a whole lot easier!  You no longer have to wait for envelopes to mail your deposits to us thanks to our new printable, Online Deposit Form. Simply type in your information and print. Typing your information enables the data to be prepopulated into a readable scan line when printed, allowing our mail equipment to process your deposit accurately without delay. You can view your transaction via Digital Banking or by using our Self-Service Telephone Banking by calling 800.328.8797 as soon as it's posted.

DCU for the whole family

It doesn't matter how you define family. DCU has financial programs for everyone - children and adults - regardless of age or life situation. We encourage you to share DCU with your family, friends, and co-workers. Whether you are trying to

  • start your children or grandchildren on good savings habits,
  • get a mortgage,
  • finance an education,
  • replace your car,
  • expand your business,
  • prepare for retirement,
  • grow your assets,
  • make sound investments, or
  • enjoy the rewards of a lifetime of work,

DCU can help get you there. 

Grow Your Savings

Savings Accounts

We offer Savings and Money Market Accounts. We also offer Savings Products for Children and Young Adults. All of these products are easy to open and earn competitive returns.

Certificate Accounts

Our Certificate Accounts work like bank CD's. You can open one for as little as $500 ($100 for younger members) for any time period between 3 months and 5 years.  

IRAs (Individual Retirement Accounts)

IRAs are available at DCU with a wide range of investment options including Money Markets, Certificates and IRA Savings. IRA funds deposited at DCU are federally insured to $250,000 per member by the National Credit Union Administration (NCUA). Each of these accounts can be opened as a Traditional IRA, Roth IRA, Coverdell Education IRA, Savings Incentive Match Plan for Employees (SIMPLE), or Simplified Employee Pension (SEP).

Loans and Borrowing

We have a lot of borrowing and loan options for all your needs. Whether you are buying a home, need a new car, paying for repairs, financing education, or are buying a boat or recreational vehicle, we can help.

Mortgages and Home Equity

We have many mortgage options for buying a home or refinancing. If you have a home and want to put your home's equity to work for you, we have Home Equity Loans and Lines to help you finance anything.

Auto Loans

Finance with flexibility – get up to 130% LTV (loan-to-value), subject to DCU's underwriting criteria.

If you already have an auto loan with another financial institution, DCU may be able to lower your monthly payment, reduce your interest, or both with our Auto Refinancing program.

Visa® Credit Cards

With a DCU Visa Credit Card, you can choose a low rate or a low rate with rewards. Use your Visa as your everyday card and get even more as part of our Free Checking with Plus or Relationship Benefits.

Your APR (Annual Percentage Rate) on your Visa Card will be based on your personal credit history. Rates are variable, tied to the Prime Rate, and can change monthly. For more information refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.

Other Loans and Borrowing Options: 

What new members receive

You should expect to receive three separate mailings after opening a DCU membership:     

1st Mailing:

Welcome Letter and Member Welcome Kit which includes:

  • Account Agreement for Consumers
  • Schedule of Fees and Service Charges

2nd Mailing:

PIN (Personal Identification Number) to access the Self-Service Telephone Banking, Digital Banking, and ATMs. You should receive your PIN within seven days after you join DCU.

3rd Mailing:

ATM Card or Debit Card – You should receive your ATM Card or Debit Card (whichever you requested and were approved for when you joined DCU) within two weeks.

DCU PINs and Passwords

What is a PIN (Personal Identification Number)?

A PIN is a number that you use in conjunction with your DCU Membership Number to access electronic services. It's a secret password only you should know. For security, don't share your PIN with anyone. Do not write it on your checkbook, Debit Card, or ATM Card. No one at DCU knows your PIN and no one will ask you for it.

What do I need a PIN for?

You need your DCU PIN for the following:

  • Debit Card/ATM transactions at ATMs or point-of-sale (POS) locations
  • Access to your accounts using Self-Service Telephone Banking
  • To take a Visa® Cash Advance on your DCU Visa account at an ATM

When will I receive my PIN?

You should receive your PIN within seven days after you join DCU.

May I select my own PIN?

For security reasons, PINs are generated by DCU. Members cannot select their own PIN.

What if I lose or forget my PIN?

A PIN may be reordered at any DCU branch or by faxing or mailing your name, member number, and signature to the Account Services Center. Your signature is required for security. The PIN will be mailed to you at the address we have on file within seven days.

  •  Fax – Fax to the DCU Account Services Center at 508.263.6453.
  • Mail – Mail to Digital Federal Credit Union, ATTN: Account Services Department, 853 Donald Lynch Boulevard, Marlborough, MA 01752.

If you receive an invalid PIN message at an ATM?

It may be because your card is damaged. To test it, try using Self-Service Telephone Banking. If it works, your card is most likely damaged, and a new card should be ordered. If it doesn't work, you may be entering the wrong number. You can order a new copy as described above.

Your Digital Banking Password

We require you to customize your Digital Banking Password to a minimum of 8 characters made of a mix of numbers, upper and lowercase letters, and symbols for your security. If you forget your Digital Banking Password or your account is locked due to login failures, you can reset it by following the Forgot Your Password? directions located here.

Account Statements


New members can opt-in to receiving eStatements during their enrollment into Digital Banking. If you decide that you would like to receive paper statements, you can make changes at any time through your Notification Preferences in Digital Banking.

Statements are sent out monthly. Some accounts may only receive quarterly statements. If you receive eStatements, you will receive an email notifying you that your statement is now available to review. You can receive your Visa® Statement in the mail or electronically. The electronic version of your Visa Statement is called Visa eBill and you will receive an email notifying that your Visa eBill is available online.

Keeping your information up to date

To receive your statements, new DCU Visa® Credit Cards, new DCU Check (Debit) Cards, and other credit union mail without delay, we always need your current address on file. We need your email address to notify you that your eStatements are ready to view. It's also important for us to have your current primary phone number so we can reach you quickly when necessary.

If your mailing address, email address, or phone numbers have or will soon change, you have options to provide and update this  information:

  • Digital Banking Desktop – Log on and go to Your Profile under the person icon in the upper right hand corner. You will have a place to update your email address, phone number and home/mailing address under Contact Information.
  • Digital Banking Mobile App - Log on and go to the Membership tab. You will have a place to update your email address, phone number and home/mailing address under PROFILE > Personal.
  • The Information Center – Call us at 800.328.8797, weekdays from 8:00 am to 9:00 pm and Saturdays from 9:00 am to 3:00 pm, Eastern time. For security reasons, you'll be asked questions to positively establish your identity and authority to change your address.