We offer standard overdraft practices (Convenience Pay) for eligible members. With Convenience Pay, we may authorize and cover insufficient funds transactions, instead of returning the item, for a fee per covered transaction. Convenience Pay Plus will extend overdraft coverage to ATM and everyday debit card transactions. You must opt-in for Convenience Pay Plus coverage. Learn more from our FAQs.

You may elect other overdraft protection coverage, such as linking to a savings account or line of credit. In that case, we will attempt to cover NSF transactions by transferring from your linked account.

Yes, but you will need to contact us prior to traveling overseas. Our fraud monitoring technology may decline attempted transactions that are outside of your normal activity (like international purchases), unless we are aware and have made notes to your account regarding your travel destination and dates. 

The first eight digits on our card are fixed depending on the type of card you have (Darden, Affinity or standard USF FCU debit card). However, each time a card is replaced, the last eight digits are changed. If you continue to experience fraud on your account regularly, please note any spending patterns or particular merchants that you use frequently. Additionally, if you are entering your card information online, your computer could potentially have a virus that is taking personal data.

Holds are placed on deposited checks in order to verify the funds are collectible. This protects the member and the credit union from potential fraud and loss. Our general policy is to make funds from check deposits available to you on the first business day after the day of the deposit.  Depending on the type and amount of check you deposit, in addition to how you deposit the check, longer holds may apply.  In that case, the first $225 of your deposits may be made available on the first business day.  Examples of when longer holds may apply include:

• Checks deposited at a foreign (non-USF FCU) ATM
• Checks deposited via mobile deposit
• Checks totaling more than $5,525 in any one day
• Checks deposited within the first 30 days of account opening
• Foreign checks drawn on a financial institution located outside the US
• If we have reason to doubt the collectability of the check

Please refer to our Universal Account Agreement for full details.

Checks can be reordered through online banking, as long as no information has changed. Log into online banking, and select the 'Check Services' widget and choose 'Reorder Checks'. If you have had a change in name, address or account information, please call us to order new checks.

You may initiate a stop payment through online banking.  Once logged in, click on the 'Check Services' widget and select 'Stop Payment'.  You may also visit a branch or call our contact center to request a stop payment.  Please review our current fee schedule for any applicable fees. 

To stop an ACH (automatic withdrawal), we ask that you try to contact the merchant (ex. Discover) to initiate the cancellation. If you have any questions, please contact our member service representatives.

In the event that your Debit card was never received, you can visit one of our branches to have a card instant issued. Or, you may contact our member service representatives at 877.906.9328 to have a replacement card sent to you (it will take 7-10 business days to receive).  If you never received your Credit card please call 800.449.7728 to request a new one. 

Please immediately reach out to our member service representatives at 877.906.9328 to go over your recent transactions and assist you further. If it is determined that your card has been compromised; we will block your current debit card, issue a new one, and email/fax you the fraud paperwork to complete. Once you complete and submit the fraud forms, our card services department will provide you with provisional credit within 10 days.

Additional fraud tips:

• Be careful using your debit card at gas pumps, vending machines and in isolated locations since there is a greater likelihood of “skimmers” that steal your card information. Also, use caution when entering in your card information online, especially within unfamiliar websites.
• Set up balance change/transaction alerts through our mobile app. so any activity will show up as a text message. This will allow you to take action more quickly and prevent additional losses in lieu of waiting for a bank statement or looking at your transactions online.

A minor may get a checking account with debit card at the age of 16.  They will need a qualified co-borrower to apply for a loan.

Your first debit card with a new checking account is complimentary. Please review our current Schedule of Fees for card replacement fees.

DCU is proud to offer a truly free checking account. There are no monthly maintenance, debit card usage or below balance fees. There may be fees for optional services associated with your account, such as charges for ordering checks, requesting a stop payment or overdrawing your account. Please review our current fee schedule.

The terms “debit card” and “check card” mean the same thing. A debit card withdraws money from your checking account as a check does; therefore, it debits your account. You can also use your debit card at an ATM to withdraw money from your checking or savings account. It can be used to make purchases at any retail establishment that displays the VISA logo.

The number to contact member card security is: 1 (888) 241-2440. If they notice suspicious charges on your debit card, a representative will attempt to contact you and temporarily block your card until they verify the charges in question. If you do not recognize the charges and fraud has occurred, they will transfer you to our member service department for further assistance. If there is no fraud, they will unblock your card.

To report your ATM or debit card lost or stolen, please call 888.241.2440.