System Upgrade Frequently Asked Questions (FAQs)
Have a question about the upgrade? Click on the questions below for everything you need to know.
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About the Upgrade
We upgraded our banking system — including Online Banking — to a more modern, advanced platform. This upgrade improves how your accounts are managed behind the scenes and gives us a stronger foundation to deliver enhanced features and services in the future.
This upgrade makes your banking experience better and more convenient — with faster transaction processing, enhanced Online and Mobile Banking features, and a smoother experience overall.
Accounts & Transactions
No. However, account suffixes did change. See here for more information.
Yes. Your current Bill Pay setup and automatic payments carried over to the new system.
Yes. Any previously scheduled Automatic Transfers and ACH Payroll Distributions remained 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 was unavailable from 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.
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.
No. If you previously set up recurring loan payments through our online payment portal, you'll need to re-establish them after the new system launches on July 14. If you had a recurring payment scheduled between July 10 and July 14, you'll likely need to make your July payment manually before setting up recurring payments again. We'll email you with instructions on how to set up your recurring payments in the new system.
Your Courtesy Pay limit increased after the upgrade! Members previously with $300 or $500 Courtesy Pay limits were automatically moved to a $500 limit tier. Members with $600 or $750 limits were upgraded to a $1,000 limit tier.
Security & Fraud
No. Your account security was not affected by this upgrade. Your accounts remained protected with the same strong security measures currently in place, and your information was 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
There's a lot to be excited about with the new Online Banking system — starting with a brand-new Mobile Banking app, now available for download on the App Store. For full details on all the changes, plus step-by-step instructions for logging in for the first time, click here.
No. You'll just need your username and password from the previous Online Banking platform for your first login (Fingerprint, Face ID, and PIN won't be available yet). Once you've logged in and verified your account, you can re-enable biometric login. If you don't remember your username and/or password, please call us at 313-568-5000.
If you've forgotten your username or password, select "Forgot Username or Password" on the new Online Banking login page. Follow the prompts to verify your identity and reset your username or password.
No. PIN login will no longer be an option. Your first login to the new platform will require your username and password — once you're in, you'll be able to set up biometric login, like Fingerprint or Face ID, for future access.
Yes, however for your first login to the new Online Banking platform, you'll need to use your username and password — Fingerprint and Face ID won't be available. Once you're logged in you can set up biometric login for next time.
Yes. Your previous alerts were not able to carry over to the new Online Banking platform. You'll need to set them up again in Settings.
Yes. However, you will have to reconnect your card through the new Online Banking platform.
If you experience issues logging in, first ensure you are using the correct username and password. For step-by-step tutorials click here. If you continue to have trouble, please contact us for assistance.
Yes! Any transfers you've already set up to another bank will continue as scheduled.
Yes, however our previous audio banking service (CU Talk) has been replaced with an upgraded experience called iTalk. iTalk features simpler, more intuitive voice commands. If you are an active user today, you should have received instructions on the new system, including how to set up your login credentials and navigate the updated prompts. If you still have questions, please contact us.
Yes. Text Banking will continue, but text commands are longer be available.
No. Money Map was 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 can check it out in your Online Banking or on the new Mobile App!
No. ACH On Demand has been 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.*
*Early Pay is offered as a convenience. DMCU has no control over when payment files are received and cannot guarantee early access to funds.
Statements
No. Your current statement delivery preference remains.
Due to our important system upgrade that took place mid-month, members who receive monthly statements will receive two statements for July:
- July 1–10
- July 11–31
Members who receive quarterly statements will also receive two statements:
- July 1–10
- July 11–September 30
Please note that if you have a credit card, partial transactions will be on your July 1-10 statement. You will receive a full July Credit Card statement in August.
After this special statement cycle, future statements will resume according to your current statement delivery preference (electronic or paper).
Thank you for your patience and understanding!
Business Members
Yes. For security reasons, each employee will have to re-establish an Online Banking login for each sub-user. Information regarding this topic has been sent to you. If you have any questions, please reach out.