DCU Digital Banking 4+
DIGITAL FEDERAL CREDIT UNION
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- Free
Screenshots
Description
DCU’s digital banking platform brings together innovative tools and unique features that put you in the financial driver’s seat. You can deposit checks, transfer money, view your balance – and a whole lot more.
TAKE CONTROL OF YOUR MONEY
• FutureLook™ helps you see into your financial future with an easy-to-read forecast based on your current choices.
• Our easy-to-use Payment Planner can help you pay off your loans even faster.
• You can create strategic financial goals and review your progress every step of the way.
STREAMLINE MONEY MANAGEMENT
Explore new ways to manage your money and achieve financial wellness.
• Holistic view of your finances.
• All of your accounts in one place – including ones at other financial institutions.
• Seamless payments.
With a unique-to-you digital banking experience that focuses on your money’s future, you can plan for whatever life throws your way. DCU Digital Banking is here to give you financial peace of mind.
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FUTURELOOK™
FutureLook™ provides insight into your spending habits with an easy-to-read forecast based on your current choices. You’ll be able to answer simple questions about what you can afford and see the potential benefit of paying more towards your loans and/or credit cards – in real time.
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.
PAYMENT PLANNER
Our easy-to-use payment planner will help answer questions like:
• “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?”
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.
OTHER STANDARD FEATURES
- Manage Quick Balance accounts*
- Find branches and ATMs nearby
- Deposit Checks**
- View balances, current and pending transactions, and account history
- Transfer funds
- Pay Bills
- Make a loan payment
- View important messages and account alerts
- Update your contact information
- Add Travel Notifications to avoid unnecessary fraud alerts while you’re away
- Apply for loans and view your preapproval offers
- Make a balance transfer to your DCU Visa Platinum Card
*If you login to multiple memberships, Quick Balances will need to be setup individually under each membership.
**Upon approval. All deposits are subject to DCU’s Funds Availability Policy.
What’s New
Version 2.9.0
Based on your feedback, we have made the following updates to your Digital Banking experience
- New and improved Goals experience
o Guided tour function
o Updated goal types
o New goal achievements and tracking experience
o Achieve your goals by setting a target date or recurring fixed transfer amount
- Bug fixes
Ratings and Reviews
Frustrating and unintuitive
We just had a very negative experience with DCU and their banking app. This app has always frustrated me because of the way it seems to hide features in strange places instead of making them intuitive to find (e.g. statements or a list of existing scheduled transfers to name a couple). But this week all of my husbands bank cards were locked because of a $.79 interest fee on a credit card that he was completely unaware of. In November he paid the full balance like usual (or so he thought) and hadn’t used the card since. Unbeknownst to him, the bank balance he paid, which included an additional fee listed on the account, wasn’t the full balance. There was an additional $.79 owing but it didn’t appear on the credit card balance or in the section of that displayed additional amounts owed. He never received a single notification to alert him to this other than his regular monthly statement which because the account was at zero, he hadn’t checked. The cards were turned off without DCU even trying to alert him (It was clearly an oversight on his part - he has way more than enough money to cover this tiny amount!). It took us calling DCU and a DCU employee on the phone explaining that there is essentially no direct way for him to know he had a balance owing through the banking app. The only way would be to go to pay the credit card and click “pay in full” and compare that number to the sum of the balance owing and additional fees owing. We found this to be unbelievable. How can you have a banking app that doesn’t readily show you the full amount you owe?? You literally have to be trained in the app to be able to find what you actually owe. Moreover the employee was not at first willing to acknowledge the role the app played in the situation, instead insisting over and over that it was listed in the statement. Well that may be, but it doesn’t change the fact that the DCU app’s poor design played a major part as well. This was a very disappointing experience. We have been life long DCU members but DCU has been going downhill. I’m now searching for other credit unions with better banking apps because this is the straw that broke the camels back for me.
App Privacy
The developer, DIGITAL FEDERAL CREDIT UNION, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
- Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Information
- Seller
- DIGITAL FEDERAL CREDIT UNION
- Size
- 81.9 MB
- Category
- Finance
- Compatibility
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- iPhone
- Requires iOS 14.5 or later.
- iPad
- Requires iPadOS 14.5 or later.
- iPod touch
- Requires iOS 14.5 or later.
- Languages
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English, Spanish
- Age Rating
- 4+
- Copyright
- © 2021, Digital Federal Credit Union
- Price
- Free