Frequently Asked Questions

If you are new to DuGood Online Banking, you will need to go through a one-time registration process before logging in. Click here to sign up for online banking.

Yes, pending debit card transactions are listed in the checking account history.

Credit card statements are available by selecting your credit card account on the My Accounts screen of online banking.

They are also accessible by selecting Credit Card Statements from the Additional Services menu.

Log in to online banking, then click on the Email & Text Alerts link under the Additional Services menu.

You can set up alerts to be sent to your email or cell phone whenever there is activity on one of your accounts, such as when your balance reaches a certain level, there is a transfer above a certain amount, or a loan payment is due, etc

It's easy – Zelle is already available within DuGood's mobile banking app and online banking! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.

Yes, DuGood supports Intuit's Direct Connect, Web Connect, and Express Web Connect features. See your specific software documentation for instructions on how to set this up.

To view payments that have been made, review the list of "scheduled payments" "in-process payments" or "recently processed payments" on the right side of the My Bills & People I Pay page. You can click on the View Payment History link to view additional detail.

To sign up for eStatements, begin by logging into Online Banking. Click eStatements under the Additional Services tab and follow the prompts.

eStatements are kept online for 24 months.  If you need a statement beyond that, visit any DuGood branch, and we will provide you with a copy.

To sign up, simply log in to Online Banking and select the Bill Pay tab. A welcome screen will appear for first users.  Read and accept the explanation of service to continue.  Then, enter your information and click Submit to enroll.

To add a new payee, type the name of the person or company in the “Need to pay someone new?” field at the top of the main bill pay page and click Add.

Fill out the form, click the Add payee button and you are ready to make a payment.

Note: If you don't have any payees set up, or just a few, we will suggest some common payees at the bottom of the page. If you see your payee there, click their name to begin the add payee process.

When adding a payee (or trying to edit your payee later), don't be alarmed if we do not ask you for an address to which to send your payment. This just means that we have a relationship with this payee where we either pay them electronically, or the payee asked us to send payments to an address that might not match the address they give you on your bill.

Due to legal requirements, we limit the ability to make certain types of payments. Payments to payees outside of the United States are prohibited and may not be issued under any circumstances. In addition, the following payments are discouraged, but may be scheduled at your own risk:

• tax payments to the Internal Revenue Service or any state or other government agency
• court-ordered payments, such as alimony or child support
• payments to insurance companies

We will not notify you if you attempt to make any of these payments and we will not be liable for these prohibited or discouraged payments.

Tell us the day you want your payment sent and we take care of the rest.

Use our calendar widget when scheduling payments to assist in understanding when a payment can be delivered. Available dates will be displayed in blue. Unavailable dates including weekends, holidays, or a date that would not allow us to deliver the payment in time are grayed out and not selectable.

The answer depends on a few factors:

Electronic payments: If we make your payment electronically, your account is debited on the day you scheduled that it be sent.

Check payments: The funds will be debited from your account one (1) to two (2) days after the send on date.

Note: To determine if a payment will be paid electronically or by check, locate the payment in the "Scheduled payments" section of the main page and click the edit icon. How a payment is scheduled to be made, electronic or check, will display in the pop-up box next to "Type."

An eBill is an electronic copy of your paper bill that you can view anytime from within the Bill Pay service.

eBills are a secure and convenient way to keep all of your bills in one place. You will be notified when an eBill arrives and when it is due so you never have a late payment.

The last 24 months of payment history and eBills are available online for you to view. If for some reason you need payment information dating back past 24 months, give us a call and we will help you retrieve that information.

We send many types of notifications and alerts to you via email to keep you informed and up to date regarding your payments. Some alerts are system generated and cannot be turned off, but there are many others you can choose to "turn on" or "turn off."

More information on managing your notifications.

You can change your email address by clicking on the My Settings link in the header of the main bill pay page.

1. Find the payee in your list and click on its corresponding Options link.
   
   
2. The Options window will open allowing you to perform the following tasks:
   
   
3. Your Bill (eBill): enroll/edit/un-enroll. This tab only appears if an eBill is available for the payee.
   
   
   • Next due reminder: add/edit/delete a next due reminder.
   • Automatic payment: add/edit/delete a recurring payment rule for a payee.
   • Expedited payment: send an expedited electronic or overnight check to a payee.
   • Account Information: add/edit your payee account information.
   • Delete payee: permanently deletes this payee from the system. If you need to make a subsequent payment to a deleted payee, you will need to add that payee again.
   • Hide payee: hides your payee from your payee list – a way to manage a long list of payees.

To begin using Remote Deposit, you must first have the latest version of DuGood's Mobile App.

Log in to the mobile app and select the Check Deposit option in the menu

Be sure to add remotedeposit@dugood.org to your contact list or friendly senders list so that remote deposit notifications do not get lost in your junk ma

Before scanning your check, you must properly endorse it, so it can be processed correctly.

On the back of your check, write:

• Your Signature
• "For Remote Deposit Only at DuGood FCU"
• The date of the deposit (optional)

Shortly after you have submitted your check for deposit, you will receive a notification on your phone indicating the deposit was received. If there is a problem with the image, the notification will ask you to go back and try again.

Checks will be deposited the same day if they are received before 4:00 pm. (Monday - Friday, excluding holidays)

Checks received after 4:00 pm will be deposited the next business day.

All checks deposited are subject to a two-business-day hold.

The following checks cannot be submitted for deposit using Remote Deposit:

• Any check that is stamped with a "non-negotiable" watermark.
• Any check that contains evidence of alteration to information on the check
• Any check issued by a financial institution in a foreign country
• Any check that is incomplete
• Any check that is "stale dated" or "post dated"
• Any check that has been re-deposited or returned for any reason (such as Non-sufficient, Refer to Maker, etc.)
• Any check payable jointly, unless deposited into an account/suffix in the name of all payees
• Third party checks
• Savings Bonds
• Any check not listed that is prohibited by DuGood’s current procedures

To get started, log in to Online Banking and click the Money Management tab. Accept the Terms and Agreements. Now, you're ready to start budgeting!

Yes, you can access Money Management using the DuGood mobile app.

Each time a user accesses Money Management, all accounts are refreshed.  A nightly aggregation refresh is performed for every Money Management user as well.

Alerts are setup by users for specific actions/scenarios, so this will vary by user.

Using Apple Pay in stores only takes seconds! Just hold your iPhone or Apple Watch near the reader with your finger on Touch ID or double-click the side button on your watch.

For Google Pay, just unlock your phone and hold it up to the terminal.

To check out using Samsung Pay, simply hold up your device to the terminal and tap.

You can also use all of these services to make purchases within apps and online.

See where you can use Apple Pay.

See where you can use Google Pay.

All are very safe! When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. Your card number is never stored on your device or Apple’s servers, and when you pay, your card numbers are never shared with merchants. Apple Pay doesn’t keep transaction information that can be tied back to you. Your most recent purchases are kept in Wallet for your convenience, but that’s as far as it goes.

Similarly, Google Pay doesn't send your actual credit or debit card number with your payment. Instead, it uses a virtual account number to represent your card information, so your details stay safe and secure.

Samsung Pay uses tokenization to create a unique randomized set of numbers to be used at each new transaction. Your real card number is never used from your phone. Each transaction must be authenticated by your fingerprint, pin number, or iris scan.

With Apple Pay and Google Pay, users will continue to earn reward points as normal. You can also add rewards cards like Walgreen’s Balance Rewards, Kohl’s Yes2You Rewards, and more. Simply, hold your phone to the terminal before you pay.

Samsung Pay has its own rewards program where you can earn points with every purchase. Rewards can be redeemed for gift cards and entry into instant win games. The more you use Samsung Pay, the more rewards you’ll earn each month.

Each payment app has specific device and OS requirements.

Apple Pay eligible devices

Google Pay device support

Samsung Pay support

• A DuGood debit or credit card
• The latest version of your device’s operating system (iOS or Android)
• Apple users must have an apple ID and sign into iCloud

Samsung users will have to call the credit union in order to activate their wallet. Dial the main number for your area and press option 2.

If you are a CardValet user, be sure your card is turned on, so it will function properly.

• The Near Field Communication (NFC) feature on the device must be turned on. This can usually be done in the settings menu.
• If you use CardValet, the card must be turned on so it can function properly.

You can store lots of things—not just your DuGood debit and credit cards! You can add insurance cards, reward cards, and more.

Getting a debit card only takes a few minutes! Just stop by your local branch, and our staff can issue you one instantly.

Please call (800) 992-3808.

When you're ready to redeem your Scholarship Rewards, stop by your local branch and ask for a redemption form. Our staff will be happy to help you complete it and submit it for processing.

Redemption requests typically take 5-7 business days to be completed. Once your request has been successfully completed, your money will be deposited into the DuGood account of your choice.

DuGood members have access to over 5,000 credit union branches across the nation. Click here to find a branch near you.

In order to access your account, you'll need to know your account number and present a valid photo ID.

Please call (800) 472-3272.

Please call (800) 262-2024.

Yes. The daily limit on debit cards is $1,500 for point of sale transactions and $500 for ATM transactions.

Yes. You can replace your debit card for just $10.

DuGood members have access to over 5,000 credit union branches across the nation. Click here to find a branch near you.

In order to access your account, you'll need to know your account number and present a valid photo ID.

Please call (855) 615-5740 to activate a credit card or change your credit card PIN.

Please call (855) 615-5740 to report a lost or stolen credit card.

Log in to online banking and select your credit card account on the My Accounts screen of online banking. Here, you will be able to view your statements, transaction history, and pay your bill.

No. Our credit cards do not offer any type of insurance for rentals or luggage at this time.

Stop by your local branch, and you may be able to get approved in just a few minutes and walk out the door with your card.

Mailed credit cards should be receive it in 7-10 business days after approval.

Put some clear and concise content in here. Keep your reader in mind. What are they trying to do? What are they hoping to learn? Why are they reading this? Help them out and use the tone and voice of your organization.

The app automatically logs the user off after 10 minutes of inactivity.

Yes. The new card number must be registered. The replacement card is added to the enrolled user’s profile via
Menu > Manage Portfolio > Add Card.

The old card cannot be removed but rather the user can unmanage the card via Manage Portfolio.

Yes. Cardholders can register multiple cards within a single CardValet app. Additional cards can be added within the Menu > Manage Portfolio > Add Card screen.

There is no limit.

My location is only effective for the enrolled user. To limit the dependent's card, the user can use the Region Location feature. The user can set up to 3 regions using the map to designate the area. The regions are effective for all users with the same card number.

ATM transactions are categorized within the Others merchant type.

In our text message or phone call, we'll ask you about a specific charge on your account. You can confirm by answering yes or no.

If you respond no, a temporary hold may be placed on your account.

Do not give out any of your account numbers over the phone, text, or email - even if it appears to be from DuGood. We will never ask ask for your PINs, account numbers, CVC code, or expiration date as we already have this information on file.