Get answers to your questions.

Which DECU Visa Credit Card is best?

DECU offers three Credit Card Programs:  Platinum, Platinum Plus and Signature.  Depending upon how you use your card, our three card programs pay you back with a Lower Interest Rate, Merchandise and Travel Rewards or 1.5% Cash Back

DECU Visa Signature offers 1.5% Cash Back, every day, on every purchase and no rotating categories.

DECU Visa Platinum offers a lower interest rate, which may benefit you if you cary a balance – up to 1% less than Platinum Plus.

DECU Visa Platinum Plus offers rewards, one point per dollar spent.  Redeem Points for Travel Rewards, Merchandise, Gift Cards or redeem points as a cash rebate to your DECU savings or checking account or Visa statement credit.

What is the maximum limit on a Credit Card?

Credit limits are based on individual credit history, credit score, income and relationship with the Credit Union.  To learn more you may call us at 1-800-338-6739.

Do you have a Credit Card with rewards?

Yes we do. Our Visa Platinum Plus card has all the great benefits of our Visa Platinum card, plus Rewards! For every dollar you spend in purchases, you earn rewards points. Use your points to choose from travel and merchandise rewards along with event tickets, gift cards and account credits. Rewards are subject to terms and conditions.

Plus, the DECU Visa Signature Card offers 1.5% Cash Back.  No rotating categories, no limits, rewards do not expire and there is no annual fee.

Applying for your DECU Visa is easy.You can either complete an application in Online Banking (once logged in, click on Loan Requests tab), or call us at (800) 338-6739.

Can I get my Credit Card interest rate lowered and do you match other credit unions' interest rates?

DECU offers Best in Market rates for all deposit and loan products.  We do not match competitor rates on credit cards nor do we lower the interest rate on cards. We monitor our cards based on credit scores and adjust the rate according to our credit card agreement.

Can I request a Credit Card limit increase online?

You can apply for a Visa credit card limit increase in Online Banking. Once logged in, click on the Loan Requests tab or call us at (800) 338-6739.

How do I activate my Visa Credit Card?

You may activate your Visa credit card by calling the number listed on the sticker on the front of the card or by calling Visa Card Services at 1-800-631-3197 24 hours a day, 7 days  a week.

How do I enroll in Card Activity and Fraud Alerts?

Stay informed and in control with real-time, automated purchase alerts.  Manage your alert preferences online, anywhere, anytime through this cardholder site. Keep track of your purchases by signing up to receive text or email alerts sent directly to your mobile device.

Enroll in Card Purchase Alerts

We already enrolled you in Automated Fraud Alerts to provide real-time Fraud Alerts for your convenience and help you manage your account activity and quickly identify potentially fraudulent transactions.

What is the 24/7 Visa Member Service phone number?

Simply dial 1-855-779-1061 for 24/7 service to your DECU Visa credit card.

Are there currency conversion fees to use my Visa Credit Card in a foreign country?

How do I make a Credit Card payment in Online Banking?

While logged into Online Banking, select the Credit Card tab and then select the Credit Card Link.You may also select the Orange Gear Wheel to the left of your credit card and click on Manage Credit Card. Both of these options take you to your card management page where you can make payments and view additional credit card information. If you have additional questions, please contact Member Services at (800) 338-6739.

How do I track my Visa Credit Card activities?

You can track and manage your Visa credit card through Online Banking. While logged into Online Banking, select the Manage Cards tab located on the top menu and select Credit Card Site. You may also select the Orange Gear Wheel to the left of your credit card and click on Manage Credit Card. Both of these options launch to where you can make payments and view additional credit card information. If you are not an Online Banking user, you may call Visa Card Services at 1-855-779-1061.

Can I set up automatic payments from the Credit Union to my Visa Credit Card?

Yes, while logged into Online Banking, select the Manage Card tab located on the menu and click on Credit Card site. You may also select the Orange Gear Wheel to the left of your credit card and click on Manage Credit Card. Both of these options launch to where you can set up an Automatic recurring payment and view additional credit card information. If you are not an Online Banking user, you may call Visa Card Services at 1-855-779-1061.

Where do I send my Credit Card payments?

While logged into Online Banking, select the Manage Cards tab and then select the Credit Card Site. You may also select the Orange gear wheel to the left of your credit card and click on Manage Credit Card. Both of these options take you to your card management page where you can make payments and view additional credit card information.

Don’t have Online Banking? Sign up today and join thousands of other credit union members in a safe and easy way to bank!

Credit Card Payment Address:

DECU Payment Processing
P.O. Box 660493, Dallas, TX 75266-0493

If you have additional questions, please contact Member Services at (800) 338-6739.

How can I close/cancel a Visa Credit Card account?

To close a Visa credit card, you can send a secure email through Online Banking. Once logged in, click on the Black envelope in the upper right corner and select Compose New Email.

If you are not an Online Banking user, you can contact the Credit Union Loan Servicing Department at (800) 338-6739.

How do I find out about the purchases appearing on my Credit Card statement?

In most cases, a phone number is listed next to the merchant name on the card statement. If you think the charge is not yours, you can file a dispute with Visa Card Services at (855) 779-1061.

How can I apply for an auto loan?

You can apply for any loan online. Simply log in to Online Banking and click on Loan Requests tab. Or you can apply by calling (800) 338-6739.

How old of a car can I get an auto loan on?

We will finance autos up to 12 model years old at either new or used auto rates depending on model year. Vehicles older than 12 model years will be considered at an increased interest rate. This rate depends on credit and relationship with the credit union.

How much can I borrow on an auto loan?

Deere Employees Credit Union will lend up to 100% financing, not exceeding the lesser of MSRP or the final purchase price plus tax and Vehicle Service Agreement on new vehicles or the NADA Retail value plus/minus options and mileage on used vehicles.

How much insurance do you require for an auto loan?

We require collision and comprehensive coverage with a maximum $1,000 deductible on each.

Can I apply for a vehicle loan if I haven't found the make and model I want yet?

Yes, you can apply to be pre-approved for an auto loan. Simply log in to Online Banking and click on Loan Requests tab. Or you can apply by calling (800) 338-6739.

What is the maximum term for an auto loan?

Can I Skip A Payment on my loan?

Yes, Skip a payment is available on most monthly installment* loans*** for a designated month.  Interest will continue to accrue on the loan you select to Skip A Payment, which may cause the maturity date on the loan to be extended. The fee for Skip-A-Pay is $25** per loan skipped when the service is member initiated using Online Banking.

*Mortgage loans, signature lines of credit, credit cards, revolving loans and home equity loans and lines DO NOT qualify.
**Skip A Pay Fee is $50 when initiated by a DECU staff member.
***Skip A Pay is available provided loan is current.  Skip A Pay can occur twice per calendar year, however, may not in consecutive months.

Do you offer payment protection for auto loans?

Yes, we offer Credit Life, Disability and Unemployement Insurance on our loans.

Can I get an auto loan without a down payment?

Yes, we can finance the full purchase price, including tax, title, and license fees.

Can I refinance my car?

You can apply to refinance your auto. Simply log in to Online Banking and click on Loan Requests tab. Or you can apply by calling (800) 338-6739.

How can I join the Credit Union?

Only John Deere Employees and their families are eligible to join Deere Employees Credit Union. To become a member/owner, simply complete the Online Membership Application. After we have received your application, we will review it for qualification. If qualified to be a member, one of our experienced Member Service Representatives will call you to set up the account in your specifications. You will be required to deposit $25.00 for your share of membership in the Credit Union. Once you join, you are a member for life. No matter where you live, where you work, or for whom – you can still enjoy the same great benefits and services of Deere Employees Credit Union.

What is your mailing address?

Deere Employees Credit Union | P.O. Box 339 | Moline, IL 61266-0339

What is the Credit Union's ABA number or routing number?

Deere Employees Credit Union routing number is 2711-8642-3. An ABA number is a unique number assigned by the American Bankers Association (ABA) that identifies a specific federal or state chartered bank or savings institution. This is also known as a routing number.

Do you have any job openings?

Based in Moline, Illinois, Deere Employees Credit Union serves over 38,000 members and has over $984 million in assets.

You’ll enjoy a great working environment, comprehensive pay and benefit package to include, bonus and profit sharing plans, affordable health, dental, and vision insurance, company paid life and disability insurance, 401k plan with match, and paid vacations and holidays. See our careers page for current opportunities.

How can I order checks?

You may reorder your checks by logging into Online Banking and selecting the green gear wheel next to your checking account. From the menu, click on “Order Checks” or by calling (800) 338-6739.

How can I obtain my account number(s)?

We would be happy to give this information to you after proper verification of identity. Please contact us at (800) 338-6739.

Do you have a credit card with rewards?

Yes we do. The DECU Signature card pays 1.5% Cash Back for every purchase.  No rotating categories or Sign-ups to earn Cash Back.

Our VISA Platinum Plus card has all the great benefits of our VISA Platinum card, plus rewards! For every dollar you spend in purchases, you get one Choice Rewards point. Use your points to choose from travel and merchandise rewards along with event tickets, gift cards and account credits.

Rewards are subject to terms and conditions. Applying is easy. Log-in to Digital  Banking and select “Loan Request” from the menu, then select Apply for a Loan or call us at (800) 338-6739.

Do you offer mortgage loans?

Yes we do. We offer mortgage loans for purchasing or refinancing your home.

If you are thinking of purchasing or refinancing a home, check out our robust Online Mortgage Loan Center inside Digital Banking. Once you log in, click on Loan Requests tab.

You can then select Adjustable Rate Mortgage Application or the Fixed Rate Mortgage Application.  This will take you into our Online Mortgage Loan Center.

Inside the center you can: learn about purchasing or refinancing a home, view mortgage rates, view loan options, sign up for Rate Tracker – an email notification system for tracking rates.

To apply for a mortgage loan, you can also call us at (800) 338-6739 and talk to one of our mortgage loan officers.

Can I deposit checks online?

Yes, we have two ways to remotely deposit checks. eDeposit via Digital Banking – eDeposit allows you to deposit your checks by taking a picture using your smart phone. Best of all, you can do this from anywhere you are without having to come to the credit union.  You’ve probably seen advertisements of this type of product on television. Best part is, once the check has been accepted by the credit union, you can destroy it or keep it for your records.

Download the Digital Banking app to your smartphone, at the Google Play or Apple Stores. Just search Deere Employees Credit Union.

I am locked out of Digital Banking, how do I reset my password?

On the right side of the main website, click on “Forgot Password/Unlock Account”. You will be prompted for your account number, email address we have on file and last name on the account. You will then be emailed a temporary password. The temporary password is valid for 7 days and is case sensitive. Once you enter the temporary password, you will be prompted to create your own. You may also call us at (800) 338-6739 for assistance from one of our representatives.

Can I skip a loan payment?

You can request to skip a loan payment in Digital Banking. On the “Balances” page, click green gear wheel to the left of the loan you wish to skip. Select “Skip a Pay” from the account actions menu. If you are not an Digital Banking user, you may call the Credit Union at (800) 338-6739 to request to skip a loan payment. Restrictions may apply. Interest will continue to accrue through the deferred payment period.

Can I transfer money from my credit union account to an account at another financial institution?

Yes. Through Digital Banking you can transfer to or from your other institutions free of charge. To ensure this service is available on your account please contact us at (800) 338-6739.

How do I access my Visa card in Digital Banking?

You can track and manage your VISA credit card through MyCardInfo located in Digital Banking. While logged into Digital Banking, select the Account Information tab towards the top left of the page and click on the Credit Card Link. You may also select the gear wheel to the left of your credit card and click on Manage Card. Both of these options launch to My Card Info where you can make payments and view additional credit card information.

How do I apply for a mortgage pre-approval?

Apply to be pre-approved by logging into Digital Banking and clicking on Loan Requests tab. From there, choose Mortgage Application. This application takes about 25 minutes to complete and a credit report will be pulled at that time. You will find that you must put in a certain dollar amount that you are realistically looking for and the purchase address you use would be “unknown”. Once we have the mortgage loan application, one of our loan officers will contact you within 24 hours to review your loan application. Please note that all the numbers used in the application are preliminary and can be revised. If you are not an Digital Banking user, you can give us a call at (800) 338-6739. We will be glad to help with the application.

Where can I find my tax information?

1099 INT forms will be mailed to members if dividends are $10 or more. You can also find your tax information on the December statement or if you are an Digital Banking user, by clicking eStatements under the Account Information, then Tax Forms.  Please contact us for Member Services at (800) 338-6739 for more assistance.

I just got married. How do I change my name on my accounts?

Congratulations! To change the name on your accounts, please complete our Name Change Form and return it to the Credit Union.

Click here for the Name Change Form.

How do I change my address online?

Simply log into your account in Digital Banking and click the Black Setting Gear in the upper right corner of your screen.  Next, select Change Address and follow the onscreen prompts.

If you are not an Digital Banking user, then please fill out the Address Change Form and send it in to the Credit Union.

Click here for the Address Change Form.

What is Zelle®?

Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1.

How do I use Zelle®?

You can send, request, or receive money with Zelle®. To get started, log into Deere Employees Credit Union’s mobile app and select “Send Money with Zelle®”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle®.

To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1.

To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”2. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile phone number.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Deere Employees Credit Union account, typically within minutes1.

How do I get started?

It’s easy — Zelle® is already available within the Deere Employees Credit Union mobile app! Check our app and follow a few simple steps to enroll with Zelle® today.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to Deere Employees Credit Union so you can use it for Zelle®.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Deere Employees Credit Union account  so you can start sending and receiving money with Zelle® through the Deere Employees Credit Union mobile app. Please call Deere Employees Credit Union customer support toll-free at (800) 338-6739 for help.

How does Zelle® work?

When you enroll with Zelle® through your Deere Employees Credit Union app, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Deere Employees Credit Union). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle® looks up the email address or mobile number in its “directory” and notifies Deere Employees Credit Union of the incoming payment. Deere Employees Credit Union then directs the payment into your Deere Employees Credit Union account, all while keeping your sensitive account details private.

Is my information secure?

Keeping your money and information safe is a top priority for Deere Employees Credit Union. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your Deere Employees Credit Union account safe.

Who can I send money to with Zelle®?

You can send money to friends, family and others you trust1 even if they have a different bank or credit union.

Since money is sent directly from your Deere Employees Credit Union account to another person’s bank account within minutes1, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile phone number.

I’m unsure about using Zelle® to pay someone I don’t know. What should I do?

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Deere Employees Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

What types of payments can I make with Zelle®?

Zelle® is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor1.

Since money is sent directly from your Deere Employees Credit Union account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.

Neither Deere Employees Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Can I pay a small business with Zelle®?

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Deere Employees Credit Union mobile app using just their email address or U.S. mobile number.

Neither Deere Employees Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Can I use Zelle® internationally?

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

Can I cancel a payment?

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at (800) 338-6739 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call our customer support team at (800) 338-6739 so we can help you.

What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?

You can find a full list of participating banks and credit unions live with Zelle® here.

If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

Will the person I send money to be notified?

Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle®.

Someone sent me money with Zelle®, how do I receive it?

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Deere Employees Credit Union account, typically within minutes1.

If you have not yet enrolled with Zelle®, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select Deere Employees Credit Union.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile phone number where you received the payment notification – you should enroll with Zelle® using that email address or U.S. mobile phone number to ensure you receive your money.

How long does it take to receive money with Zelle®?

Money sent with Zelle® is typically available to an enrolled recipient within minutes.

If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be sent directly to your recipient’s account, typically within minutes.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please give the Deere Employees Credit Union customer support team a call toll-free at (800) 338-6739 or get in touch through our support page.

How do I activate my debit card?

Dial (866) 985-2273 to activate your debit card.

  1. Enter last 4 digits of Social Security#
  2. Enter CVV2 value on back of card
  3. Enter card expiration date
  4. Enter your 4 digit PIN (Personal Identification Number)

If you are experiencing issues, please contact member services at (800) 338-6739 for assistance.

Are there currency conversion fees to use my Visa debit card internationally?

The Credit Union does not charge a conversion fee to use your debit card out of the United States.

What do I do if my Visa debit card does not work?

It is important for you to keep your contact information up to date. If there are suspicious transactions and our Card Services cannot contact you, the card could be restricted. If you have used an invalid PIN several times your card could be locked out. If you have reached your daily withdrawal limit, this could be another reason your card is not working. Please contact us at (855) 710-3059 or by sending us a message in the Secure eMailbox within your Online Banking account.

My debit card is expiring. When I can I expect a new one?

The expiration date on your debit card means that it can be used until the last day of the month shown. A new card is ordered at the beginning of the month in which they expire and then it takes approximately 7-10 business days to receive them.

Can I change my Visa debit card PIN number?

Yes. Please dial (866) 985-2273 to activate your debit card.

  1. Enter last 4 digits of Social Security#
  2. Enter CVV2 value on back of card
  3. Enter card expiration date
  4. Enter your 4 digit PIN (Personal Identification Number)

If you are experiencing issues, please contact member services at (855) 710-3059 for assistance.

How can I get my PIN for my Visa Debit and/or my Visa Credit Card?

For Visa Debit Cards please call (866) 985-2273.

For Visa Credit Cards, please call Visa Card Services at (888) 886-0083.

What is a chip enhanced card?

New Deere Employees Credit Union chip-enhanced debit cards contain an embedded microchip.  This chip holds information that is encrypted, making it extremely difficult for the card to be copied or counterfeited.  Rather than swiping the card, it is inserted into a chip-enabled terminal to complete the transaction.  In addition to the embedded microchip, new debit cards will still have a magnetic stripe on the back so purchases can be made by swiping the card at merchants that have not yet switched to chip-enabled terminals.

Can I use my Visa credit or debit card internationally?

Yes, you can. To use your debit card internationally, please contact the Credit Union at (800) 338-6739 with your travel dates and the country/countries you are traveling to.

To mark your Visa credit card for travel please call Visa Card Services at (855)710-3059. You may also do this through Digital Banking. Within Digital Banking, under Account Information tab, click on the Credit Card Link. You may also select the gear wheel to the left of your credit card and click on Manage Card. Both of these options launch to My Card Info page by selecting Account Services link at the top.

What is the difference between a credit card and a debit card?

A Visa debit card is linked to your checking account and uses funds available for purchases.

A Visa credit card is an open line of credit that you borrow against and are responsible to pay back.

Do the balances displayed in digital banking take into account recent debit card activity or payments?

Yes, the Available Balance on an account reflects pending activity including debit card activity.

How long does it take to get a replacement Visa debit card if my card is lost or stolen?

Debit cards are not processed locally and can generally take 7-10 business days to be received. We want to help you during this time with whatever you may need. If you haven’t already reported your card as lost or stolen, please call us at (855) 710-3059 to do so.

Does the Visa debit card have an annual fee?

No, the Credit Union does not charge an annual fee for the debit cards.

What should I do if I am out of town and my credit or debit card is declined and I know that the funds are available?

Please contact the credit union by calling: (855) 710-3059  for your debit card and (855) 779-1061 for your credit card.

Can I get money from my savings account with my Visa debit card?

Yes.  When making a withdrawal from an ATM, simply select Savings from the Account menu.  Next, enter the amount you want to withdrawal from your available funds.  Finally, finish answering any additional questions, and if available, the funds will be disbursed to you.

Can I have a debit card if I only have a savings account?

Yes.  However, members with only have a savings account may only use their debit card at an ATM machine. A debit card linked to a savings cannot be used at a Point-of-Sale terminal. If you prefer more access – anywhere Visa debit cards are accepted – please call us and we will assist you in opening a checking account.

What is Touch ID?

Touch ID is the biometric fingerprint authentication technology available with Apple devices such as iPhone 5s, iPhone 6 and 6S, iPad Air 2, iPad mini 3, or newer.

Why use Touch ID?

Touch ID is meant as a quick and convenient way to access your account. It’s a seamless way to use your fingerprint as your credentials.

How do I Enable or Disable Touch ID?

To manually Enable or Disable Touch ID, go to the application Settings and click on Touch ID. On the Touch ID Settings screen, swipe the Touch ID button. A confirmation prompt will display.

How secure is Touch ID?

Every fingertip is unique, so it is rare that even a small section of two separate fingerprints are alike to register for Touch ID.

If my phone has multiple fingerprints registered, will they be able to access my account?

Yes, all saved fingerprints on your device will have access to your account.

How do I keep my phone further protected?

We recommend you add a passcode or security lock to your phone to further secure access when the device is not in use. In addition, keep your phone software up to date, including your mobile application.

If the device doesn't recognize my fingerprint, can I still view my accounts?

Yes, you will always have the option to log in using your account number/username and password. When the Touch ID prompt comes up click Cancel and enter your account credentials to log in.

Can an account be Enabled for Touch ID on multiple devices?

Yes, an account may be setup on multiple devices.

How many transactions do I have to do to get a higher OPA?

Our program calculates your entire relationship with us. Just make sure you are frequently using your DECU debit/credit card!

What is the OPA?

This year-end rebate returns excess earnings to you for your continued loyalty to the credit union. You can maximize your year-end rebate by choosing DECU as your Primary Financial Institution by looking to us for your loan and deposit needs. Earn a board-approved percentage of the total loan interest paid or dividends earned during that year. The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.

How is it calculated?

Our program calculates your entire relationship with us. The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.

Do I have to have a debit/credit card to receive an OPA?

You do not have to have a debit or credit card, however, it does help!

Do I have to have a loan to receive an OPA?

You do not have to have a loan with us, however, it does help!

How do I get more back?

The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.

Can I see the formula of how it is paid out?

Our calculation is built into our core system, we don’t have a way for you to self-calculate your rebate at this time.

How can I improve my OPA balance?

The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.

Does everyone get an OPA deposit?

No everyone does not get a year-end rebate.

Can I calculate my anticipated OPA deposit?

Our calculation is built into our core system, we don’t have a way for you to calculate your rebate at this time.

When will the funds be deposited?

Your rebate will be deposited into your Owners Participation Account early 2021.