How To Pay Your DCU Credit Card Bill Easily

Paying your credit card bill on time each month is crucial for maintaining good credit and avoiding unnecessary interest charges. But for some credit unions like DCU (Digital Federal Credit Union) the process of paying your credit card online can be confusing if you don’t have a DCU checking or savings account. In this comprehensive guide we’ll walk through the step-by-step process for how to pay your DCU credit card bill online from an external bank account.

Overview of Paying DCU Credit Card Bills

DCU offers three main credit cards – the DCU Visa Platinum, DCU Visa Platinum Rewards, and DCU Visa Platinum Secured. To pay your DCU credit card bill online you’ll need to have a checking account linked to your DCU account.

If you have a DCU checking or savings account paying your credit card is easy – you can pay directly from your DCU account. However many DCU credit cardholders don’t have a DCU deposit account.

For these members, paying their DCU credit card requires a few extra steps. The main options are:

• Push payment from your bank’s bill pay service
• Transfer funds from your bank to DCU checking/savings, then pay bill
• Instantly link external account to DCU, then pay bill
• Remote check deposit to DCU account, then pay bill

Below, we’ll break down exactly how to use each method to pay your DCU credit card bill from an external bank account.

Setting Up Your Payment Account

The first step is linking your outside bank account to your DCU credit card account so you can pay your bill. Here’s how to set up each option:

Push Payment from External Account

To set up your external bank account to push a payment to DCU:

• Log in to your bank’s online banking or mobile app
• Add DCU as a payee, using these details:
  • Payee Name: DCU Credit Card
  • Address: PO Box 9130, Marlborough, MA 01752
  • Account Number: Your 16-digit DCU credit card number
• Confirm any trial deposits from DCU

Once your external account is linked to DCU as a payee, you can push payments whenever needed. Payments take 2-3 business days to process.

Link External Account to DCU

To link your external bank for direct DCU payments:

• Log in to DCU Digital Banking
• Under “Move Money,” choose “Manage External Transfers”
• Select “Add an Account” and enter your external bank details
• Confirm any trial deposits from DCU

Once confirmed, your external account will show up as a payment option when paying your bill.

Open DCU Checking Account

If you prefer to have a DCU checking account to pay your bill:

• Visit DCU’s account opening page
• Apply for a DCU Free Checking account
• Fund the account with an initial deposit

With a DCU checking account, paying your credit card bill is quick and easy.

How to Pay Your DCU Credit Card Bill

Once you’ve set up a payment method, here are the steps to pay your DCU credit card bill:

Push Payment from External Account

To pay your bill by pushing a payment from your bank:

• Log in to your bank’s online banking or mobile app
• Navigate to Bill Pay
• Enter the payment details:
  • Payee: DCU Credit Card
  • Amount: Your statement balance
  • Delivery/Payment Date: Your due date or earlier
• Confirm payment details and submit payment

The payment will be pushed to DCU on the scheduled date. Payments take 2-3 business days to process.

Pay from Linked External Account

If you’ve linked your external account to DCU Digital Banking:

• Log in to DCU Digital Banking
• Under “Move Money,” choose “Payments”
• Select your credit card account
• Choose your external bank account as the payment method
• Enter your payment amount and submit

The payment will debit instantly from your external account, taking 2-3 days to process.

Pay from DCU Account

For fastest processing, pay directly from your DCU checking or savings:

• Log in to DCU Digital Banking
• Under “Move Money,” choose “Make a Transfer”
• Select your DCU checking/savings account as the payment method
• Choose your credit card as the recipient
• Enter your payment amount and submit

DCU account transfers process instantly. Your payment will apply to your account right away.

Pay Using Remote Check Deposit

If you need to make a last minute payment, use DCU’s remote check deposit:

• Write a check from your external bank account, payable to your DCU account
• Log in to DCU Digital Banking and choose “Deposit Check”
• Follow prompts to take photos of the check fronts/backs
• Confirm the deposit and check amount

Once deposited, transfer funds from your DCU account to your credit card to make the payment. Remote check deposits credit within 1 business day.

Tips for Paying Your DCU Credit Card Bill

To make paying your DCU credit card bill as seamless as possible, keep these tips in mind:

• Pay 5-7 days early – Paying early builds in processing time for external accounts.
• Set up autopay – You can schedule automatic payments from any linked DCU/external account.
• Link accounts ahead of time – Confirm any trial deposits so your accounts are ready to pay bills.
• Use mobile apps – DCU’s mobile banking app makes it easy to pay bills on-the-go.
• Sign up for eBills – Get bill notifications and pay faster by enrolling in DCU’s eBills program.

Avoid Late Fees and Interest Charges

To avoid credit card late fees and interest charges, always pay your DCU credit card bill on time and in full each month. DCU charges up to a $29 late fee and increased APRs on late balances.

Setting up autopay through DCU can ensure you never miss a payment. But if you do need to make a last minute payment, use the remote check deposit option.

Keeping your DCU credit card in good standing by paying on time will help you maintain and build your credit history. Avoid unnecessary fees and finance charges by staying on top of your payment due dates and methods.

Frequently Asked Questions (FAQ)

Here are answers to some common questions about paying DCU credit card bills online:

How long do DCU credit card payments take to process?

• Payments from DCU accounts credit instantly
• Payments from external accounts take 2-3 business days

Does DCU charge a fee for credit card payments?

No, DCU does not charge a fee for standard credit card payments.

Can I pay by debit card?

No, DCU does not accept debit card payments for credit card bills. You must pay from a bank account.

When is my DCU payment due?

DCU credit card payments are due on the same date each month. Your due date is listed on your monthly statement.

What happens if I pay late?

DCU charges up to a $29 late fee if your payment is not received by your due date. Late or missed payments may also result in increased APRs.

Can I set up automatic payments?

Yes, you can schedule recurring automatic payments from any DCU or external checking account in DCU Digital Banking.

Paying your DCU credit card bill is easy once you have your payment account established. Choose the option that works best for your needs, and make sure to pay on time each month. Let us know if you have any other questions!