If you bounce a check or your balance falls below zero, Overdraft Protection will cover it. You can cover any overages on your checking account with funds from your Share Savings account.
If you choose, you can also combine this with an Overdraft Protection Line of Credit. This line of credit, usually between $500 and $2000, is used to protect against overdrafts and subsequent fees. The funds are made available automatically when your checking account falls below zero.
It’s easy to do online. Visit our check reorder site and get new checks with just a few clicks. Reorder checks online here
You can easily check the status of a transfer by logging in to our It’sMe247 online banking portal.
In addition to the six DC Credit Union ATMs that can be found at our branches, you can also visit any Citibank branch and use their ATMs for free.
You also have access to thousands of surcharge-free ATMs nationwide, but please note that DC Credit Union charges a foreign ATM fee to use these machines. If you qualify for CU*Perks we waive this fee. Learn how to qualify for CU*Perks
CardNav is a free app that enables control, security and financial visibility via your mobile phone. It lets you manage your debit on-the-go with an intuitive mobile app.
CardNav lets you:
Turn your card on and off instantly
Set a location boundary where your card can be used (Washington D.C., for example)
Keep your card active only around your immediate location
Use the card for online purchases then turn it off after orders are placed
Restrict card to work only with certain types of merchants (i.e. allow grocery stores while turning off restaurants)
Set spending limits for card transaction, to keep spending in check
Get instant alerts every time your card is used
To start using CardNav, download the app from the Apple App Store or from Google Play, set up your account and add your DC Credit Union debit card(s). You’ll then be able to set your control and alert preferences for each of your DC Credit Union debit cards.
Call us at 771-333-2038, option 1 to speak to a Member Service Representative who will assist you.
Great question! There are multiple ways you can find out your balance:
Log on to ItsMe247 online or mobile banking. You’ll not only find your balance but a list of all your transactions (even credits, like payroll, that are about to post).
Call CU*Talk! Dial 771-333-2038, option 2 and follow the prompts to learn your balance (and much more!)
Use an ATM machine and select balance inquiry. There is never a fee to make a balance inquiry.
Call us at 771-333-2038 or visit a branch location.
Youth Accounts
As soon as possible. If you’re over 60, take advantage of your Diamond Dividends to get even higher rates for your grandkids.
Yes, though our hope is that to help you save for your children’s future. Please talk to us about your cash needs before dipping into your kids’ savings. We can help you think through your options.
No, they are available to any young person looking for an easy, affordable and safe place to bank!
The youth participant will need to provide a birth certificate, driver’s license or permit, school ID, DC ONE card, passport, or military ID. If there is a joint owner, we’ll also ask the adult to provide two forms of ID.
SAFE Accounts
We have flexible identification requirements. Foreign ID is accepted to open a SHARE account. Visit our ACCESO branch for more information.
Yes, you will. If you should leave the country for any reason, you will still have access to your funds at DC Credit Union through your ATM/debit card and our online banking system.
Online and Mobile Banking Support
Mobile Banking
You can easily deposit a check using our DC Credit Union mobile banking app. After signing into the mobile app:
Tap the “Move Money” icon
Tap the “Deposit Check” icon
Tap the “Deposit your check” option
Read the check deposit tips for important details, then tap “Continue”
Enter the check amount
Tap the “Take Picture” box for the front of the check
Center the front of the check in the frame and make sure it’s in focus
Tap the camera icon.
If the picture is centered and in focus, tap the “Use” button
If needed, you can tap the “Retake” button and take another photo. If you’re happy with the image, tap “Use”
Now tap the “Take Picture: box for the back of the check
Turn the check over and position it within the frame. Be sure to endorse your check and write “For mobile deposit only”
Tap the camera icon
If the picture is centered and in focus, tap the “Use” button
Select the account to which you’d like to deposit the check
Tap “Submit”
You’ll receive a confirmation message
Please keep the check until you receive confirmation that the deposit has been accepted
Thank you for letting us know! Keeping your mailing address up-to-date helps us keep in touch with important account information. Simply download and fill out our change of address form and email to info@dccreditunion.coop
If you remember your username, enter that and hit “login”. Select “I forgot my password” and proceed to answer the security questions you set up. Can’t remember your answers? If you cannot enter the answers correctly, you will need to contact the credit union. After we verify your identity, we can reset your questions and password for you, then you will need to log in right away and set up new ones.
Fraud and Security
If you suspect you’ve been a victim of identity theft—when someone uses your personal information without your permission—please contact us immediately.
To report your lost or stolen Visa® Check Card card, please call 771-333-2038 during business hours or call 800-754-4128 after hours.
Direct Deposit & Early Pay
If you’re an employee of the DC government, you can receive your pay electronically before your “official” payday. Early Pay offers credit of your direct deposit to your DC Credit Union account up to one day early based upon when we receive your payroll from the DC government.
With direct deposit, your funds are automatically deposited for you, and are instantly available the day they’re received. It’s also the most secure way to receive your tax return. Sign up with your check issuer using our ACH routing number and your ACH-formatted account number:
DC Credit Union Routing Number: 254074455
Use your member account number and add “090” for deposit into your share draft checking account.
Loans and Credit Cards Support
Auto Loans
You can get pre-approved immediately! Submit an application online or call us at 771-333-2038, option 1. Pre-approval gives you an edge when negotiating a sales price with the dealer. It’s like cash on hand!
The most common reason for refinancing your loan is to lower your interest rate. If rates have fallen since you got your loan, refinancing could save you money. You may also be able to lower your monthly payment, either by lowering your interest rate or by extending the term of repayment. Give us a call at 771-333-2038 to speak with a loan officer and we’ll calculate your potential savings.
We understand that applying for a car loan with limited or no credit history can be frustrating. We’d suggest applying with a co-signer. Co-signers agree to be equally responsible for repayment, and their excellent credit history can support your lack of established credit.
Another option is to begin with a smaller loan amount to establish a repayment history. Along with other factors, we take a large down payment and a smaller loan request into consideration. Additional factors may include:
A long-term employment history
A shorter repayment term
Other established sources of payment history, such as a long-term apartment rental, or established repayment on a utility bill
We’re happy to sit down with you to review your request and make recommendations that may help you obtain your first auto loan.
If you have a credit score below 550, it can be tough to reestablish credit and improve your score. DC Credit Union offers Credit Builder Loans to members who already have a DC Credit Union checking account, a source of income, and who have successfully borrowed from us before. This may include one of our Shared Secured Visas, with limits starting at $500. We won’t deny you because of your credit score.
To transfer your existing balances from other credit cards to your DC Credit Union Visa, fill out our balance transfer form and bring it to your nearest branch. There is no fee for transferring your balance.
Please allow three weeks for us to process your balance transfer. Watch for payments to show up as credits on your other credit card statements. If the credit brings the balance to zero, you may cancel those accounts. We will not close accounts for you. Finances charges will be calculated on your average daily balance at the purchase rate stated in our Visa agreements. Call us at 202-673-3625 for more details.
Home Loans
We do not. But we’ll help you save for a 5% down payment, which protects ownership of your home should property values decrease. We can also connect you with down payment assistance programs.
The interest rate depends on the program you will use to purchase or refinance. Check out the latest rates.
It will take between 20 and 30 minutes to fill out the online application. Be sure you have gathered all of the necessary information (see question above) to streamline the process.
Your current addresses for the past two years
Social security numbers for all borrowers
Your employment history for the past two years. (Employer(s) name, address and phone number.)
Income information for all borrowers. You’ll be asked to include salary, overtime, bonuses, commissions, interest/dividend, retirement income and any other regular source of income.
The price of the home you are buying, and how much you’d like to borrow toward the purchase.
The address of the property you are planning to purchase.
Bank and brokerage account information, including the institution name and current balances.
If you own any real estate, we’ll have some basic questions including, address, current market value, the amount you owe, the rental income you receive (if any), and what your monthly payment is.
Information about your current debts. We’ll ask for the name of the creditor, the account number, the current balance owing and the amount of your monthly payment.
New Americans Loan Program
Must be currently applying for Citizenship Status, as well as pay a $20 application fee. If you live in VA or MD, you must process the application through CARECEN or Casa De Maryland.
Payments and Interest Rates
You can use an external debit or credit card to pay your Vehicle/Boat Loan, Personal Loan, Signature Line of Credit, Credit Card, Home Equity Loan, or HELOC via LoanPay XPress. Accepted credit cards are MasterCard and Discover. Accepted debit cards are MasterCard, Visa, and Discover.
You will be charged a per-payment convenience fee of $4.00. To avoid this fee, you can set up recurring payments from a DC Credit Union account in our It’sMe247 online banking portal, or from external checking or savings account using LoanPay XPress.
Yes! Simply login to our It’sMe247 online banking portal to make your loan payments online. You can also check your loan balances, and set up auto pay to make monthly payments even simpler.
Want to pay your loan from an external checking or savings account or debit/credit card? You can do that, too! Use LoanPay Xpress to quickly and easily set up recurring payments from a non-DC Credit Union account or card. You can use LoanPay Xpress to pay your Vehicle/Boat Loan, Personal Loan, Signature Line of Credit, Credit Card, Home Equity Loan, or HELOC.
