topic Re: Any CU or Bank like DCU in Credit Cards

Any CU or Bank like DCU

zyzzus — Sat, 06 Apr 2013 03:49:58 GMT

That offers direct deposit up to two days early?

Re: Any CU or Bank like DCU

webhopper — Sat, 06 Apr 2013 03:52:47 GMT

Why not just join DCU?

Re: Any CU or Bank like DCU

09Lexie — Sat, 06 Apr 2013 04:00:14 GMT

Exactly!

Re: Any CU or Bank like DCU

Anonymous — Sat, 06 Apr 2013 04:04:44 GMT

DCU is great for us common folks.

For the high flyers not so much since they are no NCUA insured. But then again that's part of the reason they can offer such great services as products.

Re: Any CU or Bank like DCU

zyzzus — Sat, 06 Apr 2013 04:18:08 GMT

@webhopper wrote:
Why not just join DCU?

I thought I remembered seeing (can't find it now) that they will charge to do an external transfer... I guess I could pull the money via ach from usaa/chase though... Just seeing what the options were.

I don't live paycheck to paycheck; however, if i can get paid early YES PLEASE.

I may just apply for this after my Sallie Mae <3

edit:

here it is

https://www.dcu.org/pc_branch/cashedge.html

Re: Any CU or Bank like DCU

Anonymous — Sat, 06 Apr 2013 04:22:50 GMT

I transfer money from my other accounts to my DCU account easily and all of my other accounts offer free external transfers.

DCU allows you to recieve external transfers no problem, but sending external transfers costs a fee.

Re: Any CU or Bank like DCU

zyzzus — Sat, 06 Apr 2013 04:23:41 GMT

@Anonymous wrote:
I transfer money from my other accounts to my DCU account easily and all of my other accounts offer free external transfers.

DCU allows you to recieve external transfers no problem, but sending external transfers costs a fee.

this is what i needed to verify thank y ou very much for this info.

Re: Any CU or Bank like DCU

Anonymous — Sat, 06 Apr 2013 04:24:41 GMT

they are upgrading their web site very shortly. perhaps the new site will allow external transfers for free.

I do love their android deposit app. I submit my check by takign a picture then i call them a few minutes later and they make the funds available right away. they always say, we'll make an exception this time, but next time, its a 24-48 hour hold. im sure if i called every time for an early clear exception they would do it.

Re: Any CU or Bank like DCU

09Lexie — Sat, 06 Apr 2013 04:28:36 GMT

@NJTurnpike

DCU is NCUA insured. The securities are not NCUA insured.

Re: Any CU or Bank like DCU

Anonymous — Sat, 06 Apr 2013 04:31:34 GMT

ahh! on the web site is a banner that days no NCUA insured. i thought that applied to all their products.

Re: Any CU or Bank like DCU

09Lexie — Sat, 06 Apr 2013 04:37:41 GMT

Nope, lower right hand corner next to Equal Housing Lender.

Re: Any CU or Bank like DCU

zyzzus — Sat, 06 Apr 2013 04:44:19 GMT

Can veterans join? Cant find a way to qualify

Re: Any CU or Bank like DCU

zyzzus — Sat, 06 Apr 2013 04:47:01 GMT

Im slow i have to join an organization.

Re: Any CU or Bank like DCU

webhopper — Sat, 06 Apr 2013 04:57:08 GMT

@Anonymous wrote:
DCU is great for us common folks.

For the high flyers not so much since they are no NCUA insured. But then again that's part of the reason they can offer such great services as products.

According to this: https://www.dcu.org/personal_banking/checking_menu-index.html Their deposit products are ncua insured. Its likely that you probably read a statement regarding investment products; which are usually not gauranteed or insured.

Re: Any CU or Bank like DCU

09Lexie — Sat, 06 Apr 2013 05:03:19 GMT

@zyzzus

It's been so long since i joined but I remember reading that you can donate to an organization at the same time applying for membership. Something like $10?

Re: Any CU or Bank like DCU

Rhaeny — Sat, 06 Apr 2013 06:20:26 GMT

Yea when I joined I paid $5 or $10 to join some organization and that was in September. But based on what I've been reading lately, they are having many issues with approving memberships. It seems as if the new accounts department are either very slow at approving memberships (like taking weeks) or deny membership even when the supporting ID docs requested are submitted.

I can say that when I joined there were absolutely no issues at all. They were very responsive and I had all documents and CC within a week of joining. With that being said I would suggest confirming your membership before applying for one of their CC's if that was your intention as well as early DD. And yes early DD is a great perk if you can make it past their crazy membership maze.