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DCU Text Alerts
DCU Text Alerts
Receive informational texts triggered by certain events on your mobile phone.
Overview
- Receive alerts regarding your DCU accounts via text message
- Alerts are triggered by certain events
- Sign-up for as many alerts as you like
- DCU Text Alerts is a free* service for members
- Sign up through Online Banking in Account Manager
*Message and data rates may apply
Credit Card Payment Reminder Text Alert
A single text will be sent prior to the due date of any DCU Visa® Credit Card or Visa® loan on which you are the Primary Borrower. The text will include the due date, loan number, and the minimum amount due.
Benefits
Stay ahead of Schedule - We'll send you a monthly text message a week before your payment is due. Once the payment is made, we won't remind you again until the next time a payment is due.
Make a Payment - If you want to make your payment, simply reply 'PAY (loan#)' to the text and the minimum payment will be made. Simple. Safe. Convenient.
Protect Your Credit Rating - By getting reminders, you'll be less likely to forget a payment which can potentially affect your credit score.
Visa® Credit Card Transaction Alerts
Visa Credit Card Transaction Alerts will notify you whenever certain transactions happen on your credit card based on parameters that you set yourself. This can be used to notify you of potentially unauthorized transactions, or to watch for a particular type of activity on your credit card(s).
Benefits
Prevent Fraud – You know the types of transactions you usually make with your DCU Visa Credit Card so you'll know right away if the alert you receive is a transaction you've made. And if it isn't, you'll be able to contact us right away which will help resolve the issue quickly.
Convenience – You set the parameters in which to be notified which will means you won't receive any extra alerts for transactions that you might make every day such as gas or coffee.
Free – Simply sign up for Visa Credit Card Transaction Alerts through Online Banking in Account Manager, set your own parameters and you're done.
Visa® Credit Card Statement Notifications
Receive an alert when you have a new statement to view
Visa Credit Card Statement Notifications will notify you whenever you have a new Credit Card statement available to view. The text will also provide your current balance, available credit, minimum payment, and next due date.
Benefits
Instant – You'll know right away when your statement is available to view, wherever you are. You won't even need to wait for an email to hit your inbox.
Convenient – In addition to letting you know your statement is available, the text will also provide your current balance, available credit, minimum payment, and next due date so you can get a quick snap shot of your account without having to log into Online Banking.
Free – Sign up for Visa Credit Card Statement Notifications through Online Banking in Account Manager.
Fees
| Service | Fee |
|---|---|
| Overdrawn Check Alert* | FREE |
| Credit Card Payment Reminder | FREE |
| Credit Card Transaction Alerts | FREE |
| Credit Card Statement Notification | FREE |
Message and data rates may apply
*NSF and Paid by Repost fees apply. See Checking/Overdraft.
Sign up for Visa Credit Card Statement Notifications
Sign up for any DCU Text Alert service through Online Banking in Account Manager. Once logged in, look for the "DCU Text Alerts" tab on the left side navigation menu. You can sign up for as many services as you like.
DCU Visa® Fraud Text Alerts
Enhanced Fraud Monitoring
DCU’s free* Visa Fraud Text Alert service helps identify and prevent potentially fraudulent transactions from occurring on your DCU Visa credit card(s) with a simple text. With DCU Visa Fraud Text Alerts, you’ll receive a text when a transaction that doesn’t conform to your usual spending habits is detected.
DCU’s Visa Fraud Text Alerts will allow for faster means of communication, assist in curbing fraudulent activity, and help provide you with a greater peace of mind.
Opting in to receive DCU Visa Fraud Text Alerts is quick and easy:
To opt-in for DCU Visa Fraud Text Alerts, simply access Account Manager through DCU Online Banking from your desktop computer or through the DCU Mobile Banking App.
Steps to opt-in via DCU Online Banking:
- Log into your account via Online Banking and from Account Manager tab, select Text Alerts from the dropdown menu.
- Check the Visa Fraud Alerts box.
- Select the phone numbers you wish to receive DCU Visa Fraud Text Alerts. If needed, you can always manage your phone numbers by clicking on the Manage Your Phone Numbers link.
- Select Update your subscriptions and your all set!
Steps to opt-in via the DCU Mobile Banking App:
- Log into your account via DCU’s Mobile Banking app and select the Account Manager widget, and then select Online Text Alerts
- Check the Visa Fraud Alerts box.
- Select the phone numbers you wish to receive DCU Visa Fraud Text Alerts. If needed, you can always manage your phone numbers by clicking on the Manage Your Phone Numbers link.
- Select Update your subscriptions and you're all set!
Types of Text Alerts:
- Visa Fraud Text Alerts
- Overdrawn Check Alert
- Credit Card Payment Reminde
- Visa Card Transaction Aler
- Visa Card Statement Notification
Additional Information You Should Know:
To verify a purchase, reply YES. You will then receive a reply stating that your card is safe to use as you normally would. If you did not make the purchase in question, reply NO to stop the fraud. If no response is received from the initial text message, a second text will be sent, followed by a phone call to the phone number we have on file.
Once you reply, NO, a DCU Fraud Specialist will call to confirm that the transaction is unauthorized and block your card from further use.
Once your card is blocked, you’ll need to contact us at 800.328.8797, so that we can assist you with the process of disputing the fraudulent charge(s) and obtaining a new card. Should you wish to no longer receive DCU Fraud Text Alerts, simply reply STOP at any time.
DCU Visa Fraud Text Alerts will come from short code 23618 and are only sent between the hours of 8am and 9pm in your local time zone.
Please note that if you reply NO to confirm that a charge was not authorized, that charge may still post. If the transaction was approved, there is no way for DCU to stop the charge from posting. You will need to wait until the charge posts to your account and then file a Transaction Dispute via Online Banking, at a branch or contacting us at 800.328.8797.
Fraud Alerts Program Overview:
Messaging frequency depends on account activity. For more information, text HELP to 23618. To cancel fraud text messaging services at any time, reply STOP to any alert from your mobile device.
For Fraud Alerts support, call 1.800.328.8797. By giving us your mobile number, you agree that Fraud Alerts text messaging is authorized to notify you of suspected incidents of financial or identity fraud.
HELP instructions: Text HELP to 23618 for help or call 1.800.328.8797.
STOP instructions: Text STOP to 23618 to cancel.
Release of Liability: Alerts sent via SMS may not be delivered to you if your phone is not in the range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of any carrier may interfere with messages delivery for which the carrier is not responsible. No carrier will guarantee that alerts will be delivered.
Digital Federal Credit Union
220 Donald Lynch Boulevard - PO Box 9130 Marlborough, MA 01752-9130
www.dcu.org
800.328.8797
For DCU’s Privacy Policy, please select here.
*Message and data rates may apply.
Overdrawn Check Alerts
Once enrolled in this service, we will send you a text message whenever there are not enough funds in your account to cover a DCU check you’ve written. When the text is sent, specific details regarding the pending transaction(s) will also be generated as a message in Account Manager (found in Online Banking). The details will include the check number(s) being presented as well as the information needed to deposit enough money to cover the check before it is submitted.
Note: Overdrawn Check Alert does NOT apply to a check that has been converted into an electronic payment withdrawal.
Benefits
Prevent Checks from being Returned – Overdrawn Check Alert can give you advanced notice that checks are pending against insufficient funds and potentially will be returned if no action is taken.
Save Money – By using this service, you can cut the fee for an overdrawn check in half! Pay only $15 per check instead of $30!
Safety Cushion – By having the extra time to deposit money to cover checks, you’ll have peace of mind knowing that you have another option to correct a costly mistake.
Timeline and Deposit Details
Once the text is sent to you, you will have until 10:00am ET the following business day to make a deposit to your account.
Details regarding the covering deposit:
- The funds deposited to cover the transaction cannot require a hold.
Learn more about our funds availability policy. - The funds deposited have to be enough to cover the pending check(s), as well as any other pending activity that has since been performed on the account by any account holder. You will also need to deposit the cost of the reduced $15 fee per pending check. This will allow the pending checks to clear your account and not be returned.
Fees
| Service | Fee |
|---|---|
| Overdrawn Check Alert* | FREE |
| Credit Card Payment Reminder | FREE |
| Credit Card Transaction Alerts | FREE |
| Credit Card Statement Notification | FREE |
Message and data rates may apply
*NSF and Paid by Repost fees apply. See Checking/Overdraft.
While using the DCU Text Alerts Service is free, there is a cost for using Overdrawn Check Alert:
- $15 per check that is paid.
- If you are unable to deposit the necessary amount into your account by 10:00am ET the next business day, then the standard $30 overdraft fee will apply (per item). You will also risk the item being returned if you don’t have other Overdraft Protection services in place.
Sign up for Overdrawn Check Alert
Sign up for Overdrawn Check Alert through Online Banking in Account Manager. Once logged in, look for the "DCU Text Alerts" tab on the left side navigation menu. You can sign up for as many services as you like.
Travel Notifications
Will you be travelling with your DCU Debit or Credit Card? To protect your account and minimize fraudulent activity, we work closely with Visa® to monitor fraud patterns and unusual card activity. DCU makes it easy to for you to let us know about your upcoming travel plans through Travel Notifications located within DCU's Account Manager.
To set-up Travel Notifications, follow these steps:
- Login to Online Banking through dcu.org or Mobile Banking with the DCU app
- Select Account Manager
- Select Visa/Debit Services
- Click on Travel Notifications
- Let know us which cards you will be travelling with, the dates you will be travelling, and your travel destination
Also, you can set-up Travel Notifications by contacting DCU at 800.328.8797 to speak with a Member Service Representative regarding your upcoming travel plans.