Paying your credit card bill on time each month is one of the best ways to build and maintain good credit Digital Credit Union (DCU) makes paying your credit card bill online quick and easy through its user-friendly website and mobile app In this comprehensive guide, we’ll walk through the step-by-step process to pay your DCU credit card bill online using either the desktop website or mobile app.
Overview of Paying Your DCU Credit Card Bill Online
DCU offers several different credit cards, including the DCU Visa Platinum Credit Card DCU Visa Platinum Rewards Credit Card and the DCU Visa Platinum Secured Credit Card. Regardless of which specific DCU credit card you have, the process to pay your bill online is essentially the same.
Some key things to know about paying your DCU credit card bill online:
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Pay anytime, anywhere – DCU’s online and mobile tools allow you to pay your credit card bill 24/7, whenever it’s most convenient for you.
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Multiple payment options – You can pay your credit card bill through a transfer from your DCU checking or savings account, from an external bank account, or by debit card.
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View payment history – See your past DCU credit card payments and scheduled future payments all in one place.
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Set up autopay – For ultimate convenience, you can set up automatic monthly payments so your DCU credit card bill gets paid on its own.
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Receive payment confirmations – Get email confirmations when your DCU credit card payments are made so you have peace of mind.
Step 1: Log In to Your DCU Account
To pay your credit card bill online, you first need to log in to your DCU account either on the website or in the mobile app.
On the website:
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Go to dcu.org and click “Login” at the top right.
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Enter your username and password and click “Login.”
In the mobile app:
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Download the DCU mobile app from the Apple App Store or Google Play Store.
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Open the app, enter your username and password, and tap “Login.”
If you don’t already have a DCU online banking account, you’ll need to enroll first before you can pay your credit card bill online.
Step 2: Navigate to Credit Card Accounts
Once logged into your DCU account, the next step is to go to your list of accounts and locate your credit card account.
On the website:
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After logging in, click on “Accounts” in the top menu.
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Under the “Credit Cards” section, click on the credit card account you want to make a payment to.
In the mobile app:
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After logging in, tap on “Accounts” at the bottom.
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Tap on the credit card account you want to pay under “Credit Cards.”
This will bring you to the detailed view for that specific credit card account.
Step 3: Initiate Payment
Now you’re ready to initiate a payment to your DCU credit card from your DCU account.
On the website:
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Under “Account Actions”, click on “Pay Credit Card.”
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Choose whether to pay the minimum, statement balance, or a custom amount.
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Select which DCU account to transfer funds from.
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Review payment details and click “Submit Payment” when ready.
In the mobile app:
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Tap on “Pay Credit Card” at the bottom.
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Enter the payment amount and tap “Next.”
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Select the account to transfer funds from.
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Confirm payment details and tap “Submit Payment.”
After the payment is initiated, you’ll see a confirmation with the payment details. The money will be transferred from your DCU funding account to pay your credit card typically within 1-2 business days.
Step 4: Schedule Future Payments
For extra convenience, you can schedule future recurring payments for your DCU credit card within online or mobile banking.
On the website:
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From your credit card account, click “AutoPay Planner” underneath your balance.
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Choose a payment amount and frequency and select which day of the month to pay.
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Pick the DCU funding account and review details. Click “Schedule Payments.”
In the mobile app:
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Tap the calendar icon at the top right of your credit card account.
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Select frequency (e.g. monthly) and date to pay each month.
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Enter payment amount and choose funding account. Tap “Schedule Payments.”
Recurring payments will be automatically initiated on the day you scheduled each month going forward.
Step 5: Pay with External Account
In addition to paying your DCU credit card with your DCU accounts, you can also pay directly from an external bank account.
On the website:
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Follow steps above but choose “Pay with External Account” option.
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Enter your external bank account information and routing number.
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Review details and submit payment.
In the mobile app:
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Follow steps above but select “External Account” instead of DCU account.
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Enter external account details and submit payment.
Payments from external accounts take 2-4 business days to process but provide more flexibility.
Step 6: Pay by Debit Card
Lastly, DCU gives you the option to pay your DCU credit card bill directly using a debit card, whether it’s a DCU debit card or an external one.
On the website:
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Initiate payment from your credit card account. Click “Pay with Debit Card.”
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Enter your debit card number, expiration date, and security code.
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Review details and click “Submit Payment.”
In the mobile app:
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Follow steps to pay credit card from account details screen.
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Select “Debit Card” and enter your card details.
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Confirm details and submit payment.
Debit card payments allow you to pay your bill without having to transfer funds between accounts.
Payment Confirmations and Receipts
No matter which way you pay your DCU credit card bill online, you’ll receive payment confirmations both on screen and via email for your records. You can also view your payment history and scheduled future payments from your credit card account details.
Submit a One-Time Payment or Setup Recurring Payments
Don’t have an existing Digital Banking Account?
For non-real estate loans you can make a one time payment using SpeedPay.
You can make a one-time payment or schedule recurring payments quickly and easily in Digital Banking.
Effortlessly move money between your DCU and external accounts using External Transfers.
And, let us remind you: Never forget a Visa® Credit Card payment again with Active Alerts, available through Your Notification Preferences in Digital Banking.
Safely and securely deposit checks to your savings or checking account anywhere, anytime for free (data rates may apply) using your iPhone®, iPad®, or Android®, device’s camera through the DCU Digital Banking App. Once the funds have been credited, and become available in your account, simply log into Digital Banking to make your loan payment.
Don’t have the mobile app yet?
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FAQ
Why can’t I log into my DCU account?
What is the grace period for DCU?
How do payment checks work at DCU?
Payment checks include the biller’s name, your name (the primary member’s name), the biller’s account number, and the amount. Bill Pay includes an Electronic Bill service, free to DCU members. If you ordinarily receive bills from participating Electronic Bill companies, you can sign up to receive those bills electronically via Bill Pay.
What does DCU do?
DCU helps explain the basics of credit cards — how to qualify, build credit, and spend responsibly.
How do I use DCU digital banking?
Check out all the features available to you when you use the DCU Digital Banking app. Use your camera equipped devices or scanner to deposit your checks digitally. Overnight funds transfer from your DCU account to another financial institution. . Have a submitted wire and want to know the status? Check on your wire status.
Where can I Find my DCU lien holder information?
DCU’s Lien holder information should be listed as Digital Federal Credit Union, PO Box 25007, Fort Worth, TX 76124 on your insurance paperwork. The Skip-A-Payment program gives you the option to defer monthly payments on an eligible DCU loan until the end of the loan, by advancing your payment due date and your maturity date.