System Upgrade Frequently Askes Questions (FAQs)
Have a questions about our System Upgrade? Click on the questions below for everything you need to know. Here at DMCU we want to make this transition as smooth as possible for you.
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About the Upgrade
We are updating our banking system—including Online Banking—to a more modern and advanced platform. This upgrade improves how your accounts are managed behind the scenes and provides a stronger foundation for enhanced features and services.
This upgrade is designed to make your banking experience faster and more convenient. After the upgrade, you can expect improved transaction processing times, enhanced Online and Mobile Banking features, and easier navigation
Upgrading a system of this size requires us to temporarily pause services to ensure all information is transferred accurately and securely.
During the upgrade, our systems will be offline, so our team won’t be able to access accounts or process transactions. Because of this, customer support will not be available from July 11–13. Please contact us before July 10 if you have any questions or time-sensitive needs, and be sure to review our Upgrade Prep Checklist here. We’re here to help you get everything ready ahead of time!
Access to Your Money & Cards During the Upgrade
Yes, your debit card will continue to work during the upgrade. However, you will experience lower limits from July 10-12, 2026. If you are traveling or have large purchases planned, please contact us in advance.
Yes. ATMs will be available for cash withdrawals only from July 10–13, 2026. During this time, withdrawal limits will be reduced. Account balances and transfers will not be available.
If you have a lost or stolen debit card, please call 866.564.9481. For a lost credit card, please call 800.828.3901.
Accounts & Transactions
No. However, account suffixes will change. See here for more information.
No. Direct deposits will not be disrupted. However, some members may see earlier availability of funds, depending on their employer.
Yes, your account transaction history will continue to be available through your account statements and eStatements within Online Banking.
Yes. Your current Bill Pay setup and automatic payments should carry over to the new system.
Yes. Any previously scheduled Automatic Transfers and ACH Payroll Distributions will remain in place after the upgrade. Moving forward, new ACH Payroll Distributions to a loan or other share account must be set up through your employer. Automatic Transfers can continue to be created and managed through our new Online Banking platform.
Yes, you can still use your current checks.
Our loan application system will be unavailable July 9, 2026 at 6 PM - July 13, 2026. If you submitted a loan application shortly before the upgrade, your application will still be reviewed in a timely manner.
Most ACH transactions, including direct deposits and automatic payments, are expected to continue processing normally during the conversion. Because ACH processing does not occur on weekends, transactions scheduled during the conversion weekend are expected to post on the next business day once processing resumes. As always, we encourage members to monitor their accounts and verify scheduled payments and deposits following the conversion weekend.
If you are transferring funds from a DMCU account to a loan account, the process will be similar. However, if you make one-time or recurring payments from another financial institution, the platform will be different. Members with loans will receive additional information separately.
Your Courtesy Pay limit will increase after the upgrade! Members currently with $300 or $500 Courtesy Pay limits will automatically move to a $500 limit tier. Members with $600 or $750 limits will be upgraded to a $1,000 limit tier.
Security & Fraud
No. Your account security will not be affected by this upgrade. Your accounts will remain protected with the same strong security measures currently in place, and your information will be protected throughout the transition.
We will only contact you through our official communication channels, such as email, our website, or by phone at 313-568-5000. We will never ask for sensitive information like your full account number or password. Be cautious of unexpected messages urging immediate action or requesting personal information. If you are unsure whether an email/phone call is legitimate, please contact us directly.
Online & Mobile Banking
A new Mobile Banking app will be available for download starting July 14. For full details on all Online Banking changes and step-by-step instructions, please click here.
No, re-enrollment is not required. Your username will stay the same, and you'll be prompted to create a new password when you first login. If you use the Mobile App, you’ll need to download the new app, while website users can continue accessing their accounts at dmcu.com. More information will be emailed to you.
Yes. Your account nicknames should remain in place following the upgrade.
No, your existing alerts will not carry over. You’ll need to set them up again, but the new Online Banking platform makes it quick and easy with simple toggle controls.
Yes. However, you will have to reconnect your card through the new Online Banking platform. The process is simple and we will provide step-by-step guides to show you.
If you experience issues logging in, first ensure you are using the correct username and have created your new password. For step-by-step tutorials click here. If you continue to have trouble, please contact us for assistance.
Yes. These should continue.
Yes. Our current audio banking service (CU Talk) will be replaced with an upgraded experience featuring simpler, more intuitive voice commands. If you are an active user today, you will receive instructions on the new system, including how to set up your login credentials and navigate the updated prompts.
No. Money Map will be discontinued as part of the upgrade. However, we are introducing a new financial wellness tool that is more intuitive, user-friendly, and designed to give you a clearer view of your financial life. You will be able to easily set up and begin using this new tool within Online Banking.
No. ACH On Demand will be replaced with a free Early Pay feature. This means you will no longer be charged to receive eligible direct deposits early. We will post ACH deposits as soon as we receive them—timing will depend on when your employer or payroll provider submits the file. This is a valuable new benefit designed to give you faster access to your funds.
Statements
Due to our mid-month system upgrade, members who receive monthly statements will receive two statements for July: one covering July 1–10 and a second covering July 11–31. Statements will be delivered based on your current preferences (paper or eStatements).
No. Your current statement delivery preference will remain the same following the upgrade.
Business Members
Some business services, including ACH origination and wire transfers, may be temporarily unavailable during the upgrade period. Please plan ahead for any time-sensitive transactions.
Payroll processing may be impacted depending on timing. We recommend submitting payroll files in advance to avoid any disruptions.
For security reasons, each employee will have to re-establish an Online Banking login for each sub-user. Information regarding this topic will be sent to you.