Business Digital Banking - Denver Community Credit Union

Credit Score & Report

Your credit score and credit report are now available in online and mobile banking. Log in and click the My Credit Score button to get started.

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Payroll

Enjoy basic payroll functions at your fingertips

ACH payments

Manage payments quickly in the app.

Transfers

Move money around with just a few clicks.

Bill Pay

No more envelopes. View and pay all your bills in one simple place.

Fit everything in your back pocket

Touch login. Mobile check deposit. Take online banking to the next level with the free mobile app.

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Frequently Asked Questions

How do I enroll in estatements?

To enroll in estatements, follow these steps:

Log into your online or mobile banking account.
Click the "E-Statements" button, then click "Statements."
Read and agree to the estatement disclosure. To agree to the disclosure, type in your email, and click "I Agree".

Is online banking compatible with Internet Explorer?

Internet Browsers are Part of Your Financial Security Plan

Having a current browser installed is a key and necessary component to keeping your online banking experience and financial information safe and secure.

As online fraud continues to evolve, browsers must become more secure with each release to help ensure your safety. No matter what browser you use, make sure you have the latest version installed.

Internet Explorer is Not a Recommended Browser

Due to Microsoft’s recommendation, on March 23, 2021, members will not be able to access Denver Community Credit Union’s online banking using Internet Explorer 11 (IE 11).

Your Security Matters to Us

Denver Community cares about security and your online banking experience. IE 11’s developer, Microsoft, recommends discontinuing the use of Internet Explorer. In addition to online banking, Microsoft recommends using other browsers for searching or using the internet. Microsoft’s new browser, Edge, is an “evergreen” browser, meaning that it will not require users to initiate updates.

Because of Microsoft’s recommendations, your security is best protected by using more modern browsers such as Chrome, Firefox, or Microsoft’s Edge.

Can I do a wire?

Yes. We can facilitate wire transfers. For more information, visit our Wire Instructions page.

How do I transfer money from one savings account to another?

Simply select the "Transfer Money" button within your online or mobile banking.

How do I link an external account?

To link an external account within online or mobile banking, select "Move Money" and then click "Add External Account." Enter your external account information. Micro deposits will be made to the external account which you will need to verify within 1-2 business days.

What is my daily internal transfer limit?

You may make up to 25 internal transfers per day with a daily limit of $50,000, and a $25,000 limit per transaction.

What is my daily external transfer limit?

You may make up to 5 external transfers per day with a limit of $1,000 per day.

How to Get Started

Step 1

Enroll in Online Banking

You'll need your member number and the last four digits of your SSN.

Enroll

Step 2

Download the App

It's available for both Android and iOS.

Download

Step 3

Set Up Direct Deposit

Get your paycheck sent straight to your account.

Set Up

Truth In Savings Disclosure

TRUTH IN SAVINGS DISCLOSURE

Except as specifically described, the following disclosures apply to all the accounts.

Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
Your account will mature on the maturity date set forth on your account receipt or renewal notice.
Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.

Checking Comparison Chart

Compare Checking Accounts

Preferred Checking

Clear Card

Second Chance Checking

Minimum Opening Balance

Suggested opening amount- $25

ID Safe Choice Charge Possible

Yes

Direct Deposit

Accepted and encouraged

Dividends Paid

Privilege Pay

Available after 90 days

Overdraft LOC

Available immediately, with approved credit

ATM/Debit Card

Instant Issue

Shared Branching

Available

Free Bill Payer