FAQs

You'll find answers to the most frequently asked questions below.

We're Here to Help

If you don't find what you need, please reach out to us so we can assist you.

Account Access

How do I make a deposit to one of my accounts?

A member may deposit funds to all accounts using any of the following methods:

How do I withdraw cash?

You can make a withdrawal from your Dominion Energy Credit Union account in a number of ways:

Visit a Dominion Energy Credit Union branch, a Credit Union Service Center, Dominion Energy Credit Union ATM or a CU24/CUHere ATM. Find a location or ATM near you.
Call our Member Service Department at 800-268-6928 to request a withdrawal check.
Log in to Online Banking, click on Transactions, and then “Send Check." Select which account and how much you wish to withdraw. We will automatically send you a check.
It’s also always free to ask for cash back when you make a purchase with your Dominion Energy Credit Union Debit Card.
You may also request a withdrawal check through our Private Teller phone service.

How can I access my accounts and money if there isn't a Dominion Energy Credit Union branch near me?

With our 24-Hour Access services and shared branches, we are as close as your computer, phone or mailbox.

24-Hour Access

Online Banking: Pay bills, view account balances, and transfer money
Mobile Banking: Deposit checks, view account activity, and pay bills
Mobile Wallets: Make payments with Dominion Energy CU credit and debit cards
Private Teller: Make basic transactions, such as withdrawal checks and check account balances
Cash back: Get cash at stores when you use your debit card and PIN
Debit cards: They work just like a check, and there's no fee to use them to make purchases. Plus, your first 3 ATM withdrawals per month are free.
Send or receive cash with account-to-account transfers or cross-account transfers

Branches & ATMs

Make basic teller transactions at Co-Op Shared Branches nationwide
Avoid fees at Dominion Energy Credit Union, Wawa, Sheetz, and North Carolina CashPoints ATMs
Visit over 75,000 CU24/CUHere no-surcharge, deposit taking ATMs and certain CO-OP Shared Branch locations*
Get up to $6 in ATM surcharge rebates each month for out-of-network ATM fees*

*DECU will reimburse up to two ATM surcharges (ATM owner fees) incurred per month on withdrawals from a checking account using your DECU debit card up to a maximum of $3 per withdrawal for a maximum refund of $6/month. Please note: the ATM owner may charge a fee. Rebates will be given automatically at month-end.

Still not sure? The Call Center can help you with any questions you have, as well as certain transactions. Reach us at 800-268-MYCU.

*Not all CO-OP Shared Branches have a CU24/CUHere no-surcharge ATM. For no-surcharge ATMs, please visit the CU24/CUHere locations. A surcharge is the ATM owner's fee; regular DCU ATM fees still apply at non-DCU ATMs.

How can I access my Credit Union account after retirement?

No matter where you are, you're never far from your money.

We're only a phone call away with free Private Teller 24-hour automated phone service and our Member Services call center.
With Online Banking, you can make transfers, pay bills, request withdrawal checks, apply for loans, open certificates, and more.
Deposit checks with Mobile Deposit.
We also offer ATM and debit cards, automatic deposits, and other eServices that make banking from anywhere easy.

How can I find out my account balance?

You can find out your account balance in a number of ways:

Visit a Dominion Energy Credit Union branch, a Credit Union Service Center, Dominion Energy Credit Union ATM or a CU24/CUHere ATM. Find a location or ATM near you.
Call our Member Service Department at 800-268-6928 to check account balances.
Log in to Online Banking, select which account you would like to verify account balance.
Log in to Mobile Banking select which account you would like to verify account balance.
You may also check your balances through our Private Teller phone service.

Account Changes

How do I change my address/name/etc.?

To change your address, simply fill out the address change form and mail it or fax it to us. You can also call us at 800.268.6928 and a Member Service Representative will be happy to help.

You can also change your address in Online Banking. Click on "Account Services," "Contact Info," update the information recorded, and click "Submit."

For other account changes, like a name change, adding services, adding/removing a joint owner, etc., you will need to fill out and sign an account change card and mail or fax it to Dominion Energy Credit Union.

I have a joint account; does the joint owner need to sign when I make a change to the account?

You will need the joint owner’s signature to add new services, if you want that person to be joint on the service.

For certain other account changes, like updating your address, we do not require a joint owner’s signature.

How do I add a joint owner to my account?

Fill out the Account Changes and New Services form. Make sure all account owners have signed the form under “Account Ownership” AND “Account Designation.” If the joint owner is a minor, please have an adult/parent sign "signing for" and then put child's name. Mail or fax in the form to the address on the form.

Automatic Deposit

Use this form to make changes to your current payroll deduction. You may also send us a signed fax or email stating the amount you would like deposited from your paycheck, which account you would like the money deposited to, and how often you are paid. Please note the change to your payroll deduction may take a pay period to show up. Payroll deduction is only available to employees of Dominion Energy Resources.

Can I have my severance, pension and social security checks deposited at the Credit Union?

Yes! You will need the following information to get started:

Dominion Energy Credit Union
P.O. Box 26646
Richmond, VA 23261-6646
800-268-6928
Bank Routing (ABA) Number: 251082644
Checking account number: Your 10-14 digit number found in the middle of your checks for direct deposit into checking

If you wish to do direct deposit to your savings, your account number will be up to six digits.

How do I sign up for payroll deduction?

Once you are a member, click here to sign up for payroll deduction. You may also send us a fax or email stating the amount you would like deposited from your paycheck, which account you would like the money deposited to, and how often you are paid. Payroll deduction is only available to employees of Dominion Energy Resources. Please note it may take a pay period for your payroll deduction to take effect.

Can I sign up for payroll deduction or direct deposit?

Yes! In fact, Dominion Energy Credit Union gives you additional flexibility with your paycheck. Direct Deposit your entire paycheck to Dominion Energy Credit Union or just a set amount each payday (this is called Payroll Deduction). You can also choose to have money go to your Dominion Energy Credit Union account or loan, even if your Direct Deposit goes elsewhere.

Can I do payroll deduction or direct deposit to more than one place?

Yes, you can sign up for payroll deduction to multiple Dominion Energy Credit Union accounts, even if you have direct deposit or payroll deduction going elsewhere, too. Dominion Energy Resources lets employees have direct deposit to up to three accounts.

Why was my payroll deduction not taken out of my last Dominion Energy paycheck?

For some Dominion Energy employees there occasionally are “free pay days” Free pay days are created and controlled by the Payroll Department of Dominion Energy Resources.

A free pay day occurs when a month has three period ending dates (a period ending date is about one week prior to the actual pay day). On a free pay day no Credit Union payroll deductions are taken. Dominion Energy employees can access their pay schedule on the company’s intranet site.

How do I sign up for direct deposit to my Dominion Energy Credit Union account?

Please contact your employer to sign up for direct deposit.

You will need the following information to sign up:

Dominion Energy Credit Union
P.O. Box 26646
Richmond, VA 23261-6646
800-268-6928
Bank Routing (ABA) Number: 251082644
Checking account number: Your 10-14 digit checking account number for deposit into checking

If you wish to do direct deposit to your savings, your account number will be up to five digits.

ATM/Debit Cards

How do I get a new or replacement ATM card or Debit card?

To request a new or replacement ATM or debit card, fill out the ATM Card/VISA debit card form. Mail or fax in the form to the address shown. You can also call us at 800.268.6928.

If your ATM or debit card has been lost or stolen, please call 800.268.6928, or call 888.918.7703 after hours.

Why was my debit card denied when I have money in my account?

There are a number of reasons why your debit card may have been denied/didn’t work. Please call us at 800.268.6928 to find out the exact reason.

What do I do if my ATM/Debit card was lost/stolen?

If you suspect your Dominion Energy Credit Union debit or ATM card has been lost, stolen or is being used fraudulently, please contact us at 800-268-6928 immediately. After hours, you can report a lost/stolen card by calling 888-918-7703.

Which ATMs can I use without paying a fee?

It’s always free to use a Dominion Energy Credit Union ATM. For your convenience we also belong to a network of CU24/CUHere ATMs, some of which are surcharge free and deposit taking. Click here to search for a CU24/CUHere ATM near you. Call us at 800-268-6928 if you have any questions about whether an ATM is surcharge free.

Members with a Dominion Energy Credit Union debit card receive the first three ATM transactions a month free (ATM owner may still surcharge). It’s always free to make purchases and ask for cash back with your debit card.

Do you refund ATM surcharge fees?

Yes! When you incur ATM surcharges, we’ll refund the fees up to $6 per month.* The best part is, you don’t need to do a thing! Any rebates will automatically appear at the end of each month.

Why is my name on my credit and/or debit card not my full name?

A new VISA® mandate requires that the length of cardholder names on VISA credit and debit cards is limited to no more than 21 characters including spaces. At the next standard reissue date, if you have not already received one, you will receive a card with a shortened version of your name.

What ATM networks can I use?

Dominion Energy Credit Union belongs to the following networks: CUHere, CU24, Star, Plus, Member Access.

What are CU24/CUHere ATMs?

This is a network of ATMs where you can get cash, make transfers or deposits (not all ATMs are deposit taking - you will need to search for deposit-taking ATMs) and in some cases avoid surcharges. Click here to search for a list of CU24/CUHere ATMs near you.

Why is there a purchase limit when I buy gas at the pump?

As part of their fraud prevention programs, gas merchants may set dollar limits for purchases at customer-activated pumps when payment cards are used. These limits often correspond to fraud protection limits granted by various credit card vendors. In most circumstances, card companies generally protect gas merchants up to $75 for pay-at-the-pump transactions. The pay-at-pump limits are imposed by the gas merchants themselves, not by the Credit Union, and it is not specific to individual members/customers.

Members who find they exceed the $75 limit may wish to pay inside the station which may result in a higher limit, or pay for gas in multiple transactions.

How do I use a debit card?

With a debit card, you don’t need a separate ATM card. Use it at ATMs and at any merchants who accept Visa debit cards.

To use a debit card as an ATM card, just insert your card into the ATM and enter your PIN. The amount is immediately deducted from the account you’ve selected.
To use a debit card to make purchases, hit “credit” at the payment terminal and sign the receipt. Or select “debit” and enter your PIN. You can even get cash back. The amount will be deducted from your account within a day or two.

How do I reset my ATM card or debit card PIN?

Call 866-985-2273 for the Card Services Automated System. Follow the prompts to enter the information required, which you should have ready:

Your 16-digit card number
Your 10-digit day or evening phone number
The last 4 digits of you Social Security Number

Make sure to stay on the line to set or change your PIN. For your convenience, you will be able to choose your PIN.

Still not working? Make sure that the phone number you enter when asked is one that Dominion Energy Credit Union has on file for you. You should always notify the Credit Union if your telephone number changes.

How can I verify a debit transaction?

Visit a Dominion Energy Credit Union branch, a Credit Union Service Center, Dominion Energy Credit Union ATM or a CU24/CUHere ATM. Find a location or ATM near you.
Call our Member Service Department at 800-268-6928 to check account balances, or reset debit card ATC chip.
Log in to Online Banking, select which account you would like to verify transactions.
Log in to Mobile Banking select which account you would like to verify transactions.
You may also check your transactions through our Private Teller phone service.

BillPayer

I am having problems opening Bill Payer. What should I do?

Please contact member services for resolution.

Is Bill Payer free?

Our Bill Payer product is free up to 50 payments per month. Bill Payer payments in excess of 50 per month will incur a $0.50 per transaction fee. Click here for more information on Bill Payer.

How do I sign up for Bill Payer?

Simply log in to Online Banking and click on “Bill Payment” and follow the prompts. Once you are enrolled, you can access Bill Payer by logging in to Online or Mobile Banking.

Holiday Club

How do I get my Holiday Club funds?

To increase efficiency and for security purposes, Holiday Club funds will now be distributed electronically. Your funds will automatically be deposited to your DECU checking account if you have one; otherwise they will be deposited into your regular Savings account November 1.

When can I sign up for Holiday Club?

Members can open a Holiday Club account at any time of the year. For more information on Holiday Club accounts click here. To sign up for a Holiday Club account click here.

When can I make changes to my Holiday Club account?

Members can increase their payroll deduction to their Club account at any time. You can reduce your payroll deductions or close your club account without incurring the handling fee handling fee between November 1^st and December 15^th. There is an early withdrawal fee to withdraw funds before November 1.

To increase the amount going to your Holiday Club account click here.

Checking and Savings

How do I reorder checks?

Click here to reorder your checks online. For your convenience the amount of your purchase will be deducted automatically from your account. Or simply call us at 800-268-6928 and a Member Service Representative will be happy to help.

You can also reorder checks in Online Banking. Click “Account Services” and then “Check Reorder” and follow the prompts.

What is Dominion Energy Credit Union’s routing number?

Dominion Energy Credit Union’s routing number is 251082644.

How do I dispute a charge on my Dominion Energy CU checking or savings account?

If you feel there is an unknown charge on your Dominion Energy CU checking or savings account, please contact us and report the charges, the merchant, and the dates on which they occurred. We will then close your debit or ATM card, order a new card for you, and create a provisional credit on your account.

Our fraud department will then conduct an investigation into the matter. Please keep in mind that you only have 60 days to file a claim. Due to several factors, the investigation and chargeback could take several months to a year to complete.

If you are disputing a charge (incorrect amount, incorrect merchandise, etc.) on your Dominion Energy CU checking or savings account for something that you initiated, please contact the merchant and ask them to review the transaction and ask for a refund. If they don't, please contact us and complete and return the appropriate Dispute Form as soon as possible. Our dispute department will then conduct an investigation. Again, you only have 60 days to file a dispute, and the same time factors indicated above for fraud claims exist.

For credit card fraud and disputes, please see credit card FAQs.

What is a savings certificate?

A savings certificate is the same as a certificate of deposit or CD. When you open a savings certificate, you are investing a specific amount of money for a specific amount of time (known as the term). Savings certificates typically earn a higher interest rate than a basic savings account.

To learn more about our Savings Certificates click here.

To open a Savings Certificate, click here for a certificate application, log into Online Banking, or call our Member Service Department at 800-268-6928.

What is overdraft protection?

Your account is automatically signed up for free overdraft protection from your Dominion Energy CU Savings. If you do not have enough money in Checking to cover a transaction, we will pull the funds to cover that transaction from your savings account. This service is now available for checks, automatic drafts, and debit card transactions. With checks and automatic drafts, the money will come over in increments of $100, or for the amount needed if your balance is below $100. With debit card transactions, we will pull the exact amount needed.

Overdraft Protection from Savings will kick in before Courtesy Pay. You are automatically opted in for Courtesy Pay on checks and automatic transfers. However, you must opt in for Courtesy Pay on Debit Card transactions.

How do I set up a Courtesy Pay alert?

Log in to Online Banking
Click “Settings”
Click “Alerts”
From the drop-down menu in the top right-hand corner, select “History Alert.”
Under “Account,” select the account you would like to monitor.
Under “Transaction,” select “Description.”
Under “Description,” type “Withdrawal Courtesy Pay Fee”
Select a delivery method
Select a frequency
Click “Save”
Your alert should now appear under your “History Alerts” on your “Alerts” page

Are my deposits federally insured?

Your shares are insured up to at least $250,000 through the National Credit Union Administration (NCUA) just like the deposit insurance protection offered by the Federal Deposit Insurance Corporation (FDIC). NCUA is a well-respected federal agency backed by the full faith of the Federal Government. No credit union member has ever lost a penny of insured funds in the entire history of NCUA.

Several options are available for additional share insurance coverage for members with more than $250,000. This NCUA brochure gives an overview. You can learn more about NCUA share insurance online and by using NCUA’s share insurance estimator. Please call Member Services at 800-268-6928 for assistance and to discuss

Credit Card

How do I apply for a credit card?

Log on to Online Banking and click "Loan Applications."
Apply online.
Applications may be mailed or faxed to Dominion Energy Credit Union.
You may also apply by phone by calling 800-268-6928.

What should I do if my Visa payment comes back returned to sender?

If your payment is returned to sender, please temporarily mail your payments to Dominion Energy Credit Union.

P O Box 26646
Richmond, VA 23261-6646

Please attach a note telling the Credit Union that your payment was returned so that it can be processed correctly.

How do I report fraud or dispute charges on my credit card?

If you suspect fraudulent activity on your credit card account, or need to dispute a charge, call 866-820-5967 or 800-268-6928 as soon as possible.

You can also dispute credit card charges through View My Visa.

If a card transaction is blocked, what number should I call?

If your transaction is blocked during normal Credit Union business hours at 800-268-6928.

If your transaction is blocked after hours, contact Cardholder Services at 888-918-7703.

When do my CURewards points expire?

The expiration date of your points, and the amount of points to expire, can be found under the "CURewards Points Activity" portion of your monthly statement.

Points/cash will expire four years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (i.e., points/cash earned in calendar year one will expire on the last business day of calendar year four).

What should I do if View My Visa isn’t working?

If your browser isn't working, try switching to Firefox, Safari, or Google Chrome instead. If the problem still persists, call Member Services at 800-268-6928.

How do I check my credit card balance?

You can check your credit card balance by:

Signing in to Online Banking or Mobile Banking. Your credit card with the balance will be listed on the main page after you log in, or select "View My VISA."
Calling our Member Service Department at 800-268-6928. If after hours, follow the prompts to hear your balance.
Calling 866-820-5967 and follow the prompts.

If this is the first time you are checking your credit card balance in Digital Banking:

Sign in to Online/Mobile Banking
Click "View My Visa"
You will be direct to the “Add Card” page. Add the information requested and click “Submit."

Credit card balance can also be found on the home screen of your Digital Banking account.

How do I find out the amount due on my credit card?

The amount due on your credit card will be on your credit card statement each month.
You can also check the amount due on your credit card by logging into Online/Mobile Banking.
You can always call us at 800-268-6928 to find out the amount due on your card.

How do I pay my credit card bill?

You can pay your credit card bill in multiple ways:

Log into Online/Mobile Banking and do a Funds Transfer from your DECU savings or checking account to your credit card. Please note that the transfer will not post to your credit card until close of business day.
Log into Online/Mobile Banking, click “View My Visa”, and add your credit card. Then select “Make a Payment” to pay from your DECU account or another bank account. You can choose one-time or automatic payments.
Pay with EZ Pay on dominionenergycu.org. Click "Make a Payment" and enter your debit or bank account information.
Pay your bill through US mail using the coupon and envelope sent with your statement.
Pay at a Dominion Energy Credit Union branch.
Call Member Services at 800-268-6928 to make a transfer from your DECU account.
Pay with Bill Payer at another financial institution - just add your Dominion Energy Credit Union credit card as a payee.

How do I access my credit card statement online?

Once you are logged into Online/Mobile Banking > View My Visa, you can view your most recent credit card eStatements. You must be signed up for credit card eStatements.

How do I request a replacement credit card?

To request a replacement card, please call our Member Service Department at 800-268-6928.

What do I do if my credit card was lost/stolen?

If you suspect your Dominion Energy Credit Union credit card has been lost, stolen or is being used fraudulently, please contact us at 866-820-5967 immediately or report it quickly online by logging into Online/Mobile Banking and using the "View My Visa" link.

If you have lost your card or suspect fraud, you can lock and unlock your card in View My Visa.

How do I transfer balances?

It’s easy to transfer balances and it could help you save big and pay down debt faster! Here are easy ways to transfer:

Log into digital banking > view my visa > services > balance consolidation
Complete and return the balance transfer request form here
Call Member Services at 800-268-2698 or visit a branch

Is there a fee for using my credit card in a foreign country?

Visa® will charge a 1% Foreign Transaction fee, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash advances, and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates.

Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange rates between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa® from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date.

To get an indication of the rate you may receive when using your Visa card, use the Visa currency converter.

How do I check my CURewards points/Cash Rewards balance?

Log onto Online/Mobile Banking and click "View My Visa." and check your CURewards point/Cash Rewards balance. You can also find your CURewards points/Cash Rewards on your credit card statement. Your points/cash balance is also available under your credit card information in Online/Mobile Banking.

How do I redeem my Cash Rewards?

For step-by-step instructions on how to redeem your Cash Rewards, please click here.

How do I redeem my CURewards points?

Visit "View My Visa" to redeem your rewards. Another way to redeem points online is to log into CURewards. You can also call 800-900-6160 to redeem rewards for travel or 800-621-4112 to redeem your rewards for merchandise.

I’m having issues logging into the CURewards site. What should I do?

Members having issues with the CURewards site should contact them directly at CURewards Customer Service: 800-637-7728.

How do I earn rewards points with a credit card?

When you sign up for a Platinum Rewards card, you are automatically enrolled in the CURewards™ program. You earn one point for every dollar spent with your Platinum Rewards card.

You can redeem your points for flights, cars, vacations, experiences, hotels, cruises, merchandise, and more! You can see a full list of the program’s current choices at https://www.curewards.com/.

Unrestricted Air Travel

Redeem points for a round-trip airline ticket to any destination, on any airline, at any time with no restrictions. The U.S. 48/Canada point value will earn a $325 credit at the time of purchase toward an airline ticket from the contracted CURewards travel agency. Other credit amounts are available at different point levels. If your travel plans are flexible, you can also select from our free restricted ticket program which covers the ticket price.

Redemption of Points

35,000 points = one round-trip airline ticket to U.S. 48/Canada coach class. Other destinations are available with different point redemption amounts and options.

Terms & Conditions

Your points will expire four years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. Points and their expiration date are listed on statements. No points earned for cash advances or balance transfers. Points for returned items will be deducted from point total.

You will need to login into Online Banking - View My Visa or the CURewards site to redeem.

How do I activate my Credit Card?

Please call 866-820-5967 and follow the instructions to activate your VISA® Credit Card. To select a PIN for your Credit Card, please call 866-820-5967. (You may want a PIN for your Credit Card in order to withdraw cash at ATMS, get cash back, etc.)

How can I place a travel note on my credit card account?

You can put travel notes on your credit card account quickly and easily within Digital Banking - View My Visa. Simply click "Communications" then "Travel Notes" and enter the required information.

You can also contact Member Services at 800-268-6928.

I have a Dominion Energy CU credit card and want to switch to a different Dominion Energy CU credit card. What do I need to do?

You will need to complete a credit card application on our website or print and mail an application.

Please note, while you can transfer over your balances, any CURewards points/Cash Rewards must be redeemed before changing cards as they will not carry over. Balance transfers do not qualify for cash back, CURewards, special introductory rate and other offers for new cards.

Credit Union Service Center

What is a Credit Union Service Center?

A Service Center is another credit union or a stand-alone center that has agreed to be a “shared branch” and conduct basic transactions.

What types of transactions can be done at Credit Union Service Centers?

You cannot open a Dominion Energy Credit Union account at a Service Center, but you can make basic transactions like deposits, withdrawals, check your balance, etc. There is no fee for using a Service Center. However, ATMs at some Service Centers may charge a surcharge.

Click here to search for a Service Center near you.

eStatements

How do I sign up for eStatements for my checking, savings, and certificate accounts?

Sign in to Online Banking
Click “Account Services”
Click “eStatements”
Select an account to enroll
Click “Continue” and follow the prompts

How do I sign up for credit card eStatements?

Log into Online Banking using your user ID and password. Once you are logged in, click on the card name listed in blue on the left hand side of the Online Banking main screen. A new window will open. Click on "Online Services" located on the blue line at the top of the screen. Choose "Enroll in eStatements" and follow the prompts.

Please note you will need to have pop-ups enabled.

I signed up for eStatements but never received the email notification that my statement was ready. Why?

We always send email notifications that your eStatements are ready to view. If you are not receiving the notifications, please:

Make sure we have the correct email address on file for you
Check your email’s junk folder and spam settings
Make sure you have not manually opted out of emails from Dominion Energy Credit Union
Check that you are opted into eStatements by logging into Online Banking and clicking “Account Services” and then “eStatements”

If none of these solves the issue, you may also call us at 800-268-6928 and we will be happy to double check your settings for you.

Can I get eStatements and still receive my statements by U.S. mail?

No. You may only receive statements in one format.

Loans

What are your current rates?

Find account and loan rates here, and find mortgage rates here.

What is the difference between Annual Percentage Rate (APR) and Annual Percentage Yield (APY)?

APR is the Annual Percentage Rate and it is the total cost of credit expressed in a yearly rate including interest and finance charges.

APY is the Annual Percentage Yield reflecting the total amount of dividends paid on a deposit account, based on the dividend rate and the frequency of compounding for a 365-day period.

The key difference is APY is the potential effective yield for deposits and APR is the effective cost/rate for loans.

If I sign up for automatic repayment of my loan, can I get a discounted rate?

We currently offer a .25% APR discount for payment by payroll deduction or automatic transfer. The .25% APR discount is not available for mortgages and credit cards.

How do I apply for a car loan?

Applying for a car loan is easy:

Apply online
Log in to Online Banking and click “Loan Applications.” This will take you to the online loan application, where you can click “Apply for a Vehicle Loan.”
Call 800.268.6928

How long do I have to wait before I apply for a loan?

No time at all! There is no waiting period before you can take advantage of all our member benefits. The moment you become a member, you can start applying for auto loans, mortgages, and every other service we have to offer.

How do I apply for a mortgage?

Click here to apply for a mortgage. We currently offer first mortgages on primary and second homes in Virginia, North Carolina, South Carolina, and Ohio.

How do I check the status of my loan application?

To check the status of your loan application, log on to your application to view it. You can also call us at 800-268-6928.

Do you offer land only or home construction loans?

At this time we do not offer land only or home construction loans.

For information on our first mortgages click here
To speak to someone in our Mortgage Department please call 866-300-8240

What is GAP insurance?

When you drive your new or used vehicle off the dealer’s lot it begins to depreciate in value. This could mean that there is a big difference between what you owe on the loan and what your auto insurance will pay in the event of a total loss. In the event of a total loss, GAP insurance pays the difference between the value of your vehicle and what you owe on your loan. It also covers your insurance deductible up to $1,000 and you can receive $500 towards the purchase of a new car.

You can add GAP insurance to your Dominion Energy CU car loan at any time; just call us at 800-268-6928.

Membership

Are all Dominion Energy Employees eligible to join?

Yes. Employees, retirees, and contractors of Dominion Energy and all of its subsidiaries are eligible for membership. Your immediate family and household members are also eligible. Moreover, remember, once a member, always a member. Your account can remain open even if you leave your place of employment.

Do you offer business accounts?

No, at this time we do not offer business accounts.

I am already a member of another Credit Union. Can I be a member of both?

Yes! Think of it as having a financial product menu - you choose the products from each institution that best suit your financial needs.

What is the difference between a Credit Union and a bank?

Credit unions are not-for-profit financial cooperatives that work for the benefit of their member-owners. Banks are for-profit financial institutions that conduct business to maximize the investment return for their stockholders.

As a not-for-profit financial cooperative, any credit union earnings are given back to you, our members, in the form of higher savings rates, lower loan rates, fewer fees and more great products and services.

Credit unions are democratically controlled and run by a volunteer board of directors elected by and from the membership. At banks, only investors have voting privileges, customers have no authority in the overall governance of their bank.

Who is eligible to join Dominion Energy Credit Union?

Dominion Energy Credit Union membership is open to all employees, retirees and contractors of Dominion Energy and their immediate family and household members*. “Once a member, always a member”, even if you change jobs, move or retire.

Click here for a membership application to get started today!

*Immediate family includes children, grandchildren, grandparents, parents, siblings and spouse, regardless of their place of residence. Household members = person(s) living in the same residence as a member. For example, your cousin would be eligible to join if their parent (your aunt or uncle) joined, and for their parent to be eligible to join, your parents (mom or dad) would first need to join.

Is Dominion Energy Credit Union federally insured?

Your deposits at Dominion Energy Credit Union are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA) which works just like the FDIC. Additional coverage options may be available - please call for more information. You may also wish to visit https://mycreditunion.gov/. For more information visit www.ncua.gov.

How long do I have to be a member of Dominion Energy Credit Union before I can apply for other products and services?

You can apply for other products and services at the same time you apply for membership. Members are immediately eligible for all of our other products.

Why would I join Dominion Energy Credit Union if I am already a member of another credit union? Can I belong to another credit union?

Yes, you can join more than one credit union. Because membership in Dominion Energy Credit Union is free, it is a smart way to get access to even more great rates and services. You can pick and choose the services that work the best for you.

Plus using credit unions over a bank will save you money with fewer fees, lower loan rates and higher savings rates. In fact, a 2015 report done by the Credit Union National Association found that high-use Dominion Energy Credit Union households save $1400 a year!

Online Banking

How do I sign up for Online Banking?

To sign up for Online Banking click “Enroll Today!” in the direct Online Banking log in on the top of the page. You will be prompted for account information to sign up. You must enter your name as it appears on your Dominion Energy Credit Union statement.

How do I access Online Banking?

Registered users: The Online Banking login is at the top of each Dominion Energy Credit Union page. Simply enter your user ID and password and click "Log In" to continue the process.

New users: Click on the “Sign Up” link in the Online Banking login box at the top left of the page. Follow the prompts to enroll. Enter your information exactly how it appears on your statement.

Note: you will need to have your member number handy in order to sign up. Here are ways to access it:

Reference your Welcome kit
View your statements
Call member services

How do I get a password?

When you sign up for Online Banking, you will create your own password. Your password must contain alpha, numeric, and special characters. The minimum password length is eight characters.

What happens if I forget my password?

If you don't know your Online Banking password, click on the "Forgot Password" link under the log in box. As a security measure, Online Banking will allow you five invalid password attempts before you will be locked out. After an hour, you will be able to try one more time before having to go through forgotten password support. If you are locked out, click on the “Forgot Password” link on the login page.

I’ve been locked out of Online Banking, how do I reset my account?

To protect you and your account against identity theft, if you enter the wrong login information multiple times your Online Banking account will be locked. Please call us at 800-268-6928 to unlock your account.

How often should I change my password?

You should change your password frequently and when you believe it has been compromised. Once in Online Banking, you may change your password as often as you like. To change your password, click on "Preferences" and then "Security." From there you will be able to change your password under the "Password" tab.

Can anyone else access my account?

No. Your online account information is available only through access methods that have been rigorously tested for their secure access. The information is not public. Only you can access it using your user ID and password. Unless you share your password, no one else can access your account information online. For more information, visit our Security section.

When do my transactions appear in Online Banking?

Most of your transactions will post immediately to your account. Credit card transactions will take a full business day to appear. All check requests will be mailed by the next business day. You may also schedule future-dated transfers.

Can I make transfers to other Dominion Energy Credit Union accounts?

Yes. If you have requested and been set up for cross-account transfers you will see the accounts listed when you log in to Online Banking.You can also make one-time or scheduled transfers to another member's account in Online Banking.

Yes. You will still receive a paper statement through the mail. However, you may find Online Banking so convenient that you no longer use your paper statement. As an Online Banking user, you are eligible to sign up to receive eStatements. With eStatements, you can view your statements (since 2000) online anytime by logging in to Online Banking.

How do I view recent credit card activity in Online Banking?

Once you are logged into Online Banking click "View Your Visa" on the home page. This will bring up a new window with your credit card account history in it.

Please note:

You will need to enable pop-ups.
Credit card history will not show up if you click on “View Recent Transactions.”
You have to register a credit card in View My Visa before it can be used and you’ll need to add new cards anytime you receive a new card number (it’s best to add new card before deleting the old card).

Having trouble opening View My Visa? If you are using Internet Explorer as your browser, trying switching to Firefox or Google Chrome instead.

Do I need to enroll in Mobile Banking before I log in for the first time?

No. Just download the app and use your Online Banking credentials to log in. You do need to enroll in Mobile Deposit in Online Banking, however. In Online Banking, click “Settings,” and then “Mobile Deposit Enrollment” and follow the prompts to enroll.

How do I manage multiple accounts in Online Banking?

Cross accounts will be visible upon logging into Online Banking. Please note, you will need to have cross-account transfer set up to access multiple accounts in Online Banking. Click here for a cross-account transfer form. You will also need to know the Online Banking password of the other account.

Why am I being asked to change my password in Online Banking?

Securing your identity and account information is a top priority. As an additional precaution, Online Banking users will automatically be asked to change their password sometimes.

How do I nickname my accounts in Online Banking?

To help you easily identify your various accounts, you can add account nicknames. This is especially helpful with joint accounts. If you are a joint owner on accounts, the masked account numbers can be confusing to view in the account overview screen. In order to simplify the viewing of these accounts you can add account nicknames. These nicknames will be viewable in online banking, mobile banking, and the mobile banking apps. To setup the nicknames, login to online banking, click on "Account" under Your Preferences in the menu. You can then select the order that the accounts are displayed in the Account Overview.

What is the multi-layer identification system?

The multi-layered security enhancement protects your online Dominion Energy Credit Union accounts with an even higher level of security. This system enables you to verify that you are accessing our secure website.
When logging in to Online Banking, the multi-layered security system uses multiple methods (i.e. user ID, password, Secure Access Code) rather than a single layer (i.e. password and user ID) to establish your identity.

Why do we need a multi-factor security system?

Dominion Energy Credit Union is committed to protecting the confidentiality of your personal information and safeguarding your banking activities when interacting with us online. Online banking scams such as phishing, pharming and spyware have caused some banking customers to lose confidence in the security of online banking and to opt out for more traditional in-person banking methods. Therefore, Dominion Energy Credit Union has taken proactive steps to implement an advanced multi-layered security system. These security enhancements, which follow the most recent FFIEC recommendations, will better protect you against online theft and fraud, thereby providing you with more peace of mind when banking online with Dominion Energy Credit Union.

What is a unified experience?

A unified experience means the look and feel of online and mobile banking is consistent on all of your devices. It does

not mean that the exact same features and functions are available on every device. It is intended to improve your experience by making navigation simple and familiar regardless of device.

Do I have to get a Secure Access Code (SAC) every time I log in?

No. You may, however, be asked for a secure access code if you manually delete your browser’s cookies, if your browser settings automatically delete cookies, or if a routine maintenance deletes them. Simply be aware that following any routine computer maintenance, you may be prompted to register that computer again when you attempt to log in to Dominion Energy Credit Union Online Banking.

Do I have to get a Secure Access Code (SAC) every time I log in?

My spouse is joint on this account. Will they need to set up separate security features?

No, for your convenience the system only requires one enrollment. The person that completes the initial login should share his or her specific information (i.e.: user ID and password) with anyone who is joint on the account. This will enable both users to easily access their account information on future logins.

Can I un-register my device?

Yes. Deleting cookies on your browser settings will un-register that specific device.

Please note: A routine maintenance procedure typically involves deleting your cookies. Simply be aware that following any routine computer maintenance, you may be prompted to register that computer again when you attempt to log in to Dominion Energy Credit Union Online Banking.

What do I do if I need help?

Email the Member Services Department at mycu@dominionenergy.com or call at 800.268.6928.

When I login to Online Banking it asks if I would like to register my device. What does this mean?

By registering a device, you are telling the security system that this is your own personal device. Registering a device allows you to bypass the Secure Access Code process. The system will go directly to your account overview after entering your user ID and password. For your protection, we do not recommend registering any device that has multiple users or public access.

Please note, if you delete cookies in your internet browser you will need to re-register your device the next time you log into Online Banking.

I’ve tried to sign up for Online Banking, but it will not accept my information.

Please make sure that you enter your name exactly as it appears on your Dominion Energy Credit Union statement. You should also enter all information in caps. Call us at 800-268-6928 and we will be happy to walk you through the enrollment process.

Mobile Banking

What is Mobile Banking?

Mobile Banking allows you to securely access your accounts anytime, anywhere from your mobile web browser.

Which accounts are available through Mobile Banking?

You can view all of your Dominion Energy Credit Union accounts once you are logged in to Mobile Banking.

How can I access Mobile Banking?

Just visit your app store to download the iPhone® or Android™ app. You will be asked for a secure access code the first time. You may want to register your device so you won't get asked each time.

Can I use the same user ID and password that I use for Online Banking?

Yes. To access your Mobile Banking account, use the same user ID and password that you use to access your Online Banking account.

Is there a fee to use Mobile Banking?

It's free to use Mobile Banking. However, mobile and data rates may apply from your wireless provider.

Is Mobile Banking secure?

Yes. Our mobile site has many of the same security features as Online Banking. Just like Online Banking, Mobile Banking leverages the powerful technology available through a digital certificate from Verisign, Inc., protecting the security of the site with Secure Socket Layer (SSL) 128-bit encryption. In addition to the encryption technology, we have installed multiple firewalls to protect your accounts from unauthorized access from outside Dominion Energy Credit Union.

You can also require an authorization code when submitting transactions in Mobile Banking. To configure your authorization code, simply click on "Preferences" and then "Mobile" in Online Banking.

How can I be sure that my information is secure if my phone is lost or stolen?

Users are required to enter a valid user ID and password to access the secure Mobile Banking app. So even if your phone is lost or stolen, your account cannot be accessed without your user ID and password. You can also deactivate Mobile Banking in your Online Banking preferences.

You should contact your wireless service provider to have your device deactivated.We further recommend that you put a password or other security code on your smartphone.

What do I need to have in order to access Mobile Banking?

You will need to have a smartphone or other device with a web browser and Internet connection. You will also need to have signed up for Online Banking and enabled Mobile Banking.

What mobile devices are supported?

You can access Mobile Banking from any Internet-enabled mobile device, such as an iPhone, iPad, Android, Kindle or Nook.

How do I reset my account if I've been locked out of Mobile Banking?

To protect you and your account against identity theft, your Online and Mobile Banking account will be locked if you enter the wrong login information multiple times. Please call us at 800.268.6928 to unlock your account.

Mobile Deposit

What is Mobile Deposit?

Mobile Deposit is a FREE service that allows you to deposit a check to your account using a mobile
device. It’s a secure, fast, and convenient method to complete a transaction anytime, anywhere.

What can I deposit with Mobile Deposit?

With mobile deposit, you may deposit original checks, cashier’s checks, official checks, U.S. Treasury
checks, or any other payment instruments, drawn on a financial institution within the United States and
payable in U.S. currency that is payable to you.

Which accounts accept Mobile Deposit?

All Dominion Energy Credit Union savings accounts (including Basic Savings, Christmas Club, Wealth Builder, and
Wealth Maximizer accounts) and checking accounts are eligible for Mobile Deposit.

How do I use mobile deposit?

To launch Mobile Banking for the first time:

Enroll in Online Banking using the purple box in the top left of this website.
In Online Banking, click “Settings,” and then “Mobile Deposit Enrollment” and follow the prompts to enroll.
Download the Dominion Energy Credit Union app from Google Play or the Apple App Store. (Search “Dominion Energy Credit Union” in your app store.)
Open the Dominion Energy Credit Union app on your mobile device.
Log in using your Online Banking username and password
Click on “Mobile Deposit” on the menu and follow the prompts to deposit your check.
Please note: Before taking the photo, endorse the back of the check and be sure to include that it is a Mobile Deposit:
                                                 “For Mobile Deposit Only”
                                                       Account Number
                                         Member’s Signature (your endorsement)

To learn how to make a mobile deposit, click here.

Make sure to wait for confirmation that your transaction is complete. Please note that the amount will not immediately appear in your account activity. You may check the status of your deposit by phone or by Online or Mobile Banking. You will receive an email if the deposit is declined after it has been accepted by Mobile Banking.

How many checks can I deposit through mobile deposit?

You can only deposit 1 check at a time. You can deposit up to 5 checks a day or 20 checks a month.

How much money can I deposit with mobile deposit?

$2,500 is the most you can deposit per check through mobile deposit. You can deposit up to $2,500 per
day.

How do I know if my mobile deposit has been completed?

A confirmation page will appear on your phone letting you know that your check deposited successfully. Standard check holds will apply. You can view the deposit in your transaction history.

When will money deposited with mobile deposit be available?

Most deposits will be credited to your account, less any holds, within a few minutes of the mobile deposit. Otherwise, your account will be credited by 5:00 PM Eastern Time on the current business day if the deposit was made by 3:00 PM Easter Time. If your deposit was made after 3:00 PM Eastern Time, it may not be deposited until after 3:00 PM Easter Time on the next business day. (Business days are Monday through Friday, except holidays.)

Why am I unable to deposit my check?

Is your check legible? Check images should not be too dark, reflective, or blurry. Each check
image must include the front and back of the check. The following information must be clearly
readable: amount, payee name, drawer signature, date, check number, account number,
routing and transit number, MICR (Magnetic Ink Character Recognition) line, and any
endorsement or other information written on the check.
Are you using an approved device? Your device may not be approved for mobile capture. At
present, the supported Mobile Devices are iPhones, iPads, and phones and tablets using Android
OS and that allow the Dominion Energy Credit Union app to be added.
Does the check amount match the amount you entered? Make sure you have not made an error
in entering the dollar amount of your check.
Did you already submit your check? A check cannot be submitted twice.
Are all four corners of the check visible? Mobile capture may not allow folded, torn, or cropped
check corners.
Did you endorse your check? You must sign the back of the check.

What are the fees and restrictions for mobile deposit?

Mobile deposit is a FREE service! Online Banking and Mobile Banking, which are required for Mobile
Deposit, are also FREE!

Please note, however, that standard checking holds and fees will apply. For example, overdraft fees
when a transaction is made with nonsufficient funds apply. For a full description of checking fees, please
see the Membership Agreement and Disclosures. Please see the Mobile Deposit Terms and Conditions
for a full list of restrictions on mobile deposit.

What do I do with my check after I use mobile deposit?

Check your account statement to make sure the deposit has been credited to your account. Keep your
check in a secure location for 14 days from the date you made the deposit. Then shred or destroy the
check.

What happens if I see an error with my mobile deposit?

You must notify the Credit Union of any suspected errors regarding checks deposited through Mobile
Deposit within 60 days after the Credit Union account statement is sent to you with the error. As with all
account errors, we will not make changes to your statement more than 60 days after it is sent to you.

Is Mobile Deposit safe and secure?

Yes! Our mobile site has the same security features as Online Banking. Just like Online Banking, Mobile
Banking and Mobile Deposit take advantage of the powerful technology available through a digital
certificate from Verisign, Inc., protecting the security of the site with Secure Socket Layer (SSL) 128-bit
encryption. In addition to the encryption technology, we have installed multiple firewalls to protect your
accounts from unauthorized access from outside the Credit Union.

Why are there holds on mobile deposits?

For security purposes and to ensure the funds for large deposits. These are the same holds that we place on deposits in the branch.

The first $225 of any mobile deposit will be available the same business day, unless the deposit was held for the reasons above. The next $5,300 will be available the second business day. Any funds exceeding the $5,525 ($225 + $5,300) will be available five business days after the deposit.

For example, and assuming no federal holidays, you deposit $700 on Monday. $225 will be available later on Monday. The remaining $475 will be available on Wednesday.

Why do some transactions show as pending transactions and not deposits?

This is due to a technical limitation in our digital banking system. We apologize for the ambiguity.

Can the credit union get a hold on a deposit released?

Releasing holds is determined on a case by case basis. Please contact the credit union if you would like a hold released.

Mobile Wallet

What are mobile wallets?

Mobile wallets are a form of contactless, secure payments on devices using an NFC-enabled smartphone.

What kind of phone do I need to use mobile wallets?

Google Wallet's Tap and Pay works on Android devices running 4.4 (KitKat) or higher on any carrier network. Not all devices running KitKat will support Tap and Pay. For the most up-to-date information, visit google.com/wallet.

Apply Pay works on Apple devices operating with iOS 8.1 or later. For the most up-to-date information, visit apple.com/apple-pay.

Android Pay works on all Android smartphones and tablets with KitKat 4.4+. For the most up-to-date information, visit android.com/pay.

Samsung Pay works on Samsung Galaxy S6® and S6 Edge® devices and Samsung Galaxy Note® 5 with Android Lollipop+. For the most up-to-date information, visit samsung.com/us/samsung-pay.

How do I activate Mobile Wallets?

Google Wallet:

Go to your phone’s “Settings” and touch “More settings.”
Make sure NFC is turned “On.”
Go back to Settings and check for a “Tap and Pay” option in the menu. If there is one, you can start adding cards to your Google Wallet.

Apple Pay:

Add cards on iPhone 6 or newer within the Wallet app. Just tap the plus sign and follow the onscreen instructions, OR:
On iPad Air 2 or newer and iPad mini 3 or newer, start by opening Settings, tap "Passbook & Apple Pay", then tap "Add Credit or Debit Card".
For Apple Watches, please add your card using the steps above. You will then be promoted to add it to your watch.

Android Pay:

Download the Android Pay app from Google Play
Add your credit or debit card by taking a picture and confirming the details

Samsung Pay:

Download the Samsung Pay app from Google Play
Follow the prompts to link your Samsung Pay account and set up touch identification or a PIN
Touch “Add a credit or debit card” and follow the prompts to take a picture and confirm your card details

How do I use mobile wallets?

Look for the Tap and Pay, Apple Pay, or contactless icons when you check out at a store. Check with the vendor to make sure the terminal is enabled for contactless payments. Hold your phone to the contactless reader.

For Google Wallet, select the card you want to use.

For Apple Pay, keep your finger on Touch ID without pressing it. If you want to pay with a card other than your default card, don't put your finger on Touch ID, wait for the card image to appear, and then tap it to pull up your list of cards.

Are mobile wallets secure?

Yes—more secure than magnetic stripes! It replaces actual data on the physical card (i.e. the credit card number) with “virtual data,” or a secure token from VISA®. Even if hackers steal tokens, they will not be able to obtain other data associated with your card. The information is useless without your device and the device’s secure log-in information (i.e. your phone’s PIN). If a large retailer’s database is hacked, this principle still applies: the token will be useless without the phone and its user.

You only have to enter your card once when using mobile wallets. Aside from that, your card number is not stored anywhere on the phone, but rather replaced by a non-sensitive “token” that is used to transact.

What is the difference between Google Wallet and Android Pay?

Google Wallet has become exclusive to person-to-person (P2P) payments whereas Android Pay can be used for consumers who wish to make in-store and online purchases.

Can I load the same card on two phones?

Yes.

How do you set a default card?

Apple Pay:

Launch the Settings app on your iPhone or iPad that's compatible with Apple Pay.
Tap on Passbook & Apple Pay.
Tap on Default Card.
Tap on the card you want to use as your default.

Android Pay:

Open the Android Pay app.
If you have multiple Google Accounts in Android Pay: At the top left, touch your name, then choose an account.
Double tap a card, then touch Set as default card.
Or touch and drag a card to the "Default card" spot at the top of the app's Home screen.

Samsung Pay:

The last-used card will always appear. Tap to select a different card.

What happens if my phone is lost or stolen?

Every mobile wallet secures your card information by encryption or protected code. Mobile wallets are also protected by phone passcodes, PIN before purchase options, and the ability to disable the app remotely. Set up biometric identification, a PIN, or other authentication method to control access to the app.

If someone stole your phone, that person would need your phone’s password (or biometric identification, PIN, etc.) before s/he could make a payment. Your phone’s password is independent of the mobile wallet and in addition to the authentication required for mobile payments.

If your phone is lost or stolen, each mobile payment solution can be shut down remotely.

Apple Pay: Use the Find My iPhone app on another Apple device or sign in to icloud.com/find to find your device and turn on Lost Mode, which suspends Apple Pay payments.
Android Pay: Use Android Device Manager to lock your device from anywhere, set up a new password, or erase your phone’s personal information.
Google Wallet: Use myaccount.google.com to remove access to your account on the lost device from anywhere.
Samsung Pay: Use the Samsung Find My Mobile service to remotely lock your device from anywhere, erase your payment cards in the Samsung Pay app, or erase your phone’s entire storage.

Scholarship

What are the eligibility requirements for the Dominion Energy Credit Union scholarship?

To be eligible for the Dominion Energy Credit Union scholarship, the applicant must be:

A member of Dominion Energy Credit Union or an immediate family or household member of a Dominion Energy Credit Union member.
A graduating high school senior with a minimum GPA of 2.5 on a 4.0 scale.
A rising college freshman attending an accredited college or university during the upcoming academic year.
For more information on the scholarship program, click here.

How do I apply for a Dominion Energy Credit Union scholarship?

Scholarship applications are available online in January of each year. Applications must be submitted online. Please note an official high school transcript will be required as part of the application process. We recommend that applicants apply and request transcripts early to avoid any possible delays. For more information on the scholarship program, click here.

Touch ID

Can I use Touch ID with the mobile banking app?

Yes, you can log in with touch ID on iPhones^® and iPads^® that contain Touch ID hardware. These include iPhone 6 or higher and select Android devices.

Here's how to use Touch ID:

1. Log in to the mobile banking app. Open "Settings" and then "Security Preferences." Tap the Touch ID on/off switch.

Tap the Touch ID on/off switch

2. Tap "Continue"

Tap continue

3. Enter your ID and Password

Enter your ID and password

4. Touch the Touch ID button

Touch the Touch ID

5. Touch ID should now be "On"

Touch ID should now be on

6. The Touch ID sign-in option will be available the next time you sign in

Transfers

How do I request a wire transfer?

We must have a signed Wire Transfer Agreement on file before we will wire funds from a member’s account. Click here for a Wire Transfer Agreement form. Once you have a form on file, simply call us to request a wire transfer.

How can I send or transfer cash to other accounts?

You can transfer cash to your family members safely and securely with any of our convenient options:

Account to account external transfers: Transfer funds from your checking account here to a checking, savings, or money market account at another bank or credit union, and vice versa. All you need is a Dominion Energy CU Checking account and Online Banking with Bill Payer
Zelle: send money to friends and family from your checking account to theirs right from within Digital Banking.
Cross account transfers Transfer between your Credit Union account and another member’s account on which you are the primary or a joint account owner
One-time transfer to another DECU member account: See “one time transfer” instructions

How do I send a wire transfer to my Dominion Energy Credit Union account?

To send a wire transfer to your Dominion Energy Credit Union account, you will need the following information:

Send to:
VIZO Financial Corporate Credit Union
1201 Fulling Mill Road, Middletown, PA 17057
ABA#231387550
For further credit to:
Dominion Energy Credit Union
Acct#251082644120
For final credit to:
Your name
Your Dominion Energy Credit Union Account Number

How do I make an Account to Account External Transfer?

In Online Banking, simply click “Bill Payer," "Bill Payments," and then the "Transfers" tab. You can transfer funds from your checking account here to a checking, savings, or money market account at another bank or credit union, and vice versa.

Easy to set up
Free inbound transfers
Minimal fee for outgoing transfers - only $2.00 each
Transfers typically take 1-3 days to complete

How much does it cost to transfer money from my Dominion Energy Credit Union account to an external account?

The charge for an account to account transfer from your Dominion Energy CU account to an external account is $2. There is no charge to transfer money from an external account to your Dominion Energy CU account.

How do I make a transfer?

To transfer funds between your Dominion Energy Credit Union accounts you can:

Log into Online Banking, select “Transactions” and click “Funds Transfer.” You can do an immediate transfer or schedule the funds to transfer on a specific date. Transfers can be set up for one time or recurring.
Call us at 800-268-6928 and we will be happy to transfer the funds for you.
Transfer funds at any ATM.
You may also do transfers through our Private Teller phone service.

How do I sign up for cross account transfer?

To transfer between your Credit Union account and another member’s account you will need to sign up for cross account transfer. Click here to sign up for cross account transfer. You must be primary or joint on the sending account to make a cross account transfer (this is different than cross-account transfers between accounts on which you are primary or joint)

Once you sign up for cross account transfer, transfers can be made through Online Banking or by calling our Member Service Department at 800-268-6928.

How do I make a one time transfer to another DECU member?

Specify whether the transfer is a single transfer or if you want to link to the other account so it is easier to transfer in the future
Next, you will need the destination member number (add leading 0's if the member number does not equal 10-digits)
You will need to know if the destination is a savings, checking, money market or loan. You can’t transfer directly to another members credit card
For anything but a loan, you will use an “S” followed by the four digit identifier (eg S0000, S0001, S0010, S0004, S0007). For a loan you will use an “L” followed by the four digit identifier
Finally, you will need to know the first three letters of the recipient’s Last Name