DCU Routing Number: 211391825
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External Transfers
A convenient way to move money between institutions
Features
- Move money between your DCU accounts and accounts you own at other financial institutions – either as a one-time transaction or on a recurring basis.
- It's free – both ways
Details
ACH transfers into and out of your DCU account
These are also known as pre-authorized debits, withdrawals, ACH payments or EFT's (Electronic Funds Transfers). This is a convenient way to transfer money between your accounts at DCU and your accounts at other financial institutions.
Each transaction will appear on your monthly statement, eStatement, and account history in Digital Banking. These transfers are reliable and save you time.
Be sure to keep your account records current for each transaction.
Incoming transfers from non-DCU financial institutions
Incoming transfers scheduled through DCU's Digital Banking and coming from your linked external account at another financial institution can take up to 5 business days to be available except for scheduled transfers that post directly to a DCU loan. While you can initiate these transfers to and from your external accounts at DCU, you may be able to begin those transfers by contacting the financial institution holding your external account instead. That financial institution may have shorter processing times, and those incoming transactions then may become available for use sooner. Your available funds will be displayed in Digital Banking whether you view your accounts online or thru the mobile app.
How to connect an external account in Digital Banking:
- Sign into your Digital Banking Account
- Click the “Connect External Accounts” (in desktop) or the “+” symbol (in mobile) on the Accounts page, found at the top of the page. Get more information.
- You will see a pop-up message from Plaid: view their Privacy Policy and click continue. Find your financial institution, enter the credentials you use to log in to this particular financial institution, then follow the steps to verify your identity and select the account you would like to connect.
- Once you’ve connected your external account, be sure to enable that account for payments. Click the ellipsis (...) next to the account on the Accounts page (in Desktop) or click the account you connected (in mobile) and click “Enable Account for Payments”.
How to set up an automatic recurring transfer in under a minute:
Desktop
- Log into your Digital Banking Account
- Select the Move Money tab and click Transfer Money or go to Accounts and select the account you wish to transact with and click Transfer
- Select your From and To accounts and enter the amount you wish to transfer
- Choose a Frequency option, if making a reoccurring transfer enter the time period automatic transfers will continue for
- Select the Transfer Date and add an optional Memo
- Click next, review your transfer and click Make Transfer to complete your request.
Mobile
- Log into your Digital Banking Mobile App
- Select the Move Money tab and click Transfer Money or go to Accounts and select the account you wish to transact with and select either Transfer In or Transfer Out
- From the Move Money tab select your To account, select whether it is a One Time Transfer or to Setup Automatic Transfers, select your From account, enter the Amount you wish to transfer
- Choose the frequency, the Transfer Date, if setting up Automatic Transfers enter the time period automatic transfers will continue for
- Tap to review your transfer request and add an optional Memo, then tap submit to complete your request.
How to set up a transfer to a Non-DCU Member using Pay a Person within Digital Banking:
Desktop
- Log into your Digital Banking Account.
- Select the Move Money tab.
- Click Pay a Person to send money to friends, family, and people you know.
- Select Add Non-DCU Member and fill out the Recipient form and click Save.
- Click the name of the recipient, then Next, select the account to pay From, how much you would like to transfer, the Frequency (if making a reoccurring transfer, enter the time period automatic transfers will continue for), Payment Date, and add an optional Memo.
- Click Next confirm the transfer is correct, and click Make Payment to complete your transfer.
Mobile
- Log into your Digital Banking Mobile App.
- Select the Move Money tab.
- Click Pay a Person to send money to friends, family, and people you know.
- Select the + icon in the upper right-hand corner to add a Non-DCU Member. Fill out the Recipient form and tap Add Recipient.
- Tap the name of the recipient and choose whether it is going to be a One Time Transfer or Setup Automatic Transfers.
- Select the account to pay From, then how much you would like to pay, choose the Transfer Date (if setting up Automatic Transfers choose the Frequency and enter the time period automatic transfers will continue for), tap to review the transfer, add an optional Memo, and tap Submit to complete your transfer.
Resources
Related Services and Tools
- Direct Deposit – It's fast, safe, easy, and it's one of your tickets to many money saving benefits when you direct deposit your net pay, Social Security, or pension to your DCU checking account.
- About Digital Banking Bill Payer – Learn about this service and convenient free alternatives such as pre-authorized ACH payments and pre-authorized credit card charges.
- Money Wires – Send money from your account to an account at another financial institution overnight
Related Forms and Disclosures
- ClickSWITCH – Move your existing checking account, direct deposit, and pre-authorized payments to your DCU checking account.
- Direct Deposit of Federal Recurring Payments – Use this form to have DCU set up direct deposit of your Social Security or federal pension to your DCU account.
- Stop Payment Request – Please use this form to place a stop payment on your account for both checks and ACH electronic items.
- Affidavit for Unauthorized Pre-Authorized Checks – Please use this form to report Pre-authorized Checks which have been fraudulently cashed on or against your account.
- Written Statement of Unauthorized Debit (ACH) – Please use this form to report a fraudulent or unauthorized transaction involving either a Pre-Authorized Withdrawal or Direct Deposit from a savings or checking account. You can also file a dispute online in your digital banking account.
- Schedule of Fees and Service Charges – Fees for wire transfers are outlined. Direct deposit, and pre-authorized transfers (ACH) are free.
- Agreement for Consumers – This document contains DCU’s Account Agreement for consumers, including the terms, conditions and disclosures that apply to DCU’s consumer Share Accounts and Account-related services.
- Digital Banking Agreement – This agreement governs banking transactions using DCU’s online or mobile banking services.
853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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