DCU - Members' Monthly

Manage Your Finances Digitally

Are you taking full advantage of direct deposit, electronic bill payment, and paperless statements? See how these services might work for you.

Direct Deposit
With direct deposit, your paycheck, Social Security check, retirement check, or any other recurring check is electronically deposited into your account. You don't have to wait for the check to come in the mail or go to the credit union to deposit it. There's no worry that the check might get lost in the mail or stolen from your mailbox. You also get your money more quickly. With direct deposit, the funds are typically available the day the deposit is made. At DCU, many payroll checks are even available early, up to two days in advance of payday.

At DCU, direct depositing your paycheck, Social Security, or pension check into your checking account, provides other benefits. These include:

Free unlimited ATM transactions at ATMs everywhere. This saves you $1 every time you make a transaction at a non-DCU ATM.
Non-DCU ATM surcharges reimbursed automatically. If you are charged to use a non-DCU ATM, then DCU will automatically reimburse you those fees up to $5 at the end of each month.
Free DCU Custom-style checks – 50 checks per year.

Electronic Bill Payment
Paying bills electronically can save you time and money. Setting up automatically recurring payments can prevent missed due dates and late fees. You'll use fewer stamps and checks. You can pay almost any bill electronically, for example utility bills, mortgage payments, credit card bills, and insurance bills. There are several ways that you can pay bills electronically.

ACH payments. Also known as pre-authorized debits or withdrawals, these payments withdraw the amount due directly from your checking account on a specific date, typically the due date. To set up this type of payment, you must agree to the process and provide your account information. Some companies will require a signed agreement and a voided check. For others, you provide your information online.

Pre-authorized credit card charges. For some bills, you can have the bill automatically charged to a credit card. To set up this type of payment, you provide the biller with the credit card information. The biller will charge the amount due on a specific date, typically the due date.

Bill paying services. These services, such as DCU Bill Payer, allow you to pay recurring bills as well as one-time payments. With these services, you enter the bills you want to pay and when you want the payment to be made. The amounts are deducted from your checking account as they are made. Some services allow you to set up automatic payments. With many services, if the payee doesn't accept electronic payment, the service will send a paper check. You may also have the option to receive electronic bills through the service. DCU Bill Payer is free and is available in PC Branch.

Paperless Statements
Many companies you do business with, such as utility companies and credit card issuers, offer paperless statements. With this service, you receive a bill in your email rather than in a paper envelope by regular mail. Stealing bills out of mail boxes is a favorite tactic used by identity thieves to get personal information. Smart ones even open your mail carefully, copy down the information, and leave the original statement in your box – you don't know you've been hit until much later. With electronic statements, you can print paper copies if needed in the security of your home or office.

Keep Your Computer Secure
DCU works hard to keep your financial account information secure. But you must also do your part:

Make sure your computer has good security software (antivirus, firewall programs, etc.) installed and keep it up-to-date.
Don't access your financial accounts or transact any financial business over any public wireless network – even if it says it is secured.
If you use a wireless system at home, make sure it is secure before you log on to any financial services.

Enjoy Your Savings
Using online financial services such as direct deposit, electronic bill pay, and paperless statements can save you time, money, and worry. Learn more about electronic services at dcu.org.

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DCU Information Center
508.263.6700 or 800.328.8797

DCU Financial
800.328.8797, ext. 6077

DCU Insurance
800.328.8797, ext. 6978

DCU Realty
888.832.8929

Digital Federal Credit Union
PO Box 9130
Marlborough, MA 01752-9130
508.263.6700 • 800.328.8797 • dcu.org • dcu@dcu.org
TTY 800.395.5146 (For hearing impaired only)

Have you had a good experience with DCU that you want to share with others? Send us an email at dcu@dcu.org or mail it to:

DCU
Attn: Marketing Dept.
PO Box 9130
Marlborough, MA 01752-9130

For direct deposit: routing and transit
# ABA 211391825
Editor: James Paquette
To apply for a Home Equity Loan, Consumer Loan, or Mortgage anytime, call 508.263.6700 or 800.328.8797 (select 3) or visit dcu.org. For a complete listing of DCU's rates, visit our web site at dcu.org or stop by your nearest DCU branch.