To find answers to some commonly-asked questions, use the FAQ search box below, or peruse by category.
Hi John, we're sorry to hear that you're struggling with mobile deposit. All four corners of the check must be in the frame, and the image must not be blurry for it to not generate an error.
Deposits are not immediately available - Dupaco's funds availability policies apply, with $200 available once the deposit is posted and the remainder in 2 business days. Mobile deposits will post according to the following schedule:
Deposits made before 4 p.m. CT Monday through Friday will be posted the same day within 5 hours.
Deposits made after 4 p.m. CT Monday through Friday will be posted by 10 a.m. CT on the next business day.
Deposits are not posted on Saturday, Sunday or Holiday; They will be posted by 10 a.m. CT the next business day.
Hi Kathy, the interest statements have been mailed and should arrive in mailboxes this week. They will also be available in Shine later today (1/30/2018).
Hi Josephine, we have a minor account that would allow anyone under 18 (with the parent listed as a joint owner) to open a checking account and obtain a debit card. To open an account, please give us a call or stop into a branch - we'd be happy to set one up for your child!
Hi Jalila, we'll have someone give you a call and help you get logged into Shine.
Hi Colleen, yes, we will be offering Pay Pause again this year! Members who are eligible will receive a letter by next week, or you will see a banner notice in your Shine Online Banking account starting November 14. If you have additional questions about Pay Pause, please give us a call at 800-373-7600.
Hi Tessitore, we will have someone from our commercial lending department reach out to you.
Hi John, we will have someone reach out to you to help you get access to a fee-free ATM as there are certain ones that are this way.
Hi John, to access your Visa info, you have to first click on the card. Then, you'll be able to see your info on the right hand side.
Hi Delores, yes, you have to be a member of the credit union to get our loans. Becoming a member is easy - we'll have someone reach out to you!
Hi Alisyn, members must be at least 15 years of age and have an account in good standing to obtain a MoneyCard debit card.
We may match rates for members. It would be decided on a case by case basis. The depth of a member's relationship with Dupaco will be factored in as part of the decision.
Hi Miranda, There are a couple options for online communication with Dupaco. Our chat function is available during business hours, and the easiest way to get to it is through Shine Online Banking (available only on the desktop version of the site at this time). Another option is to send a secure message through Shine. This is available both on mobile and desktop versions of Shine. Regarding our app, for troubleshooting we recommend you call the credit union so that we can provide assistance, and we apologize your experience has not been better.
Hi Marty, thanks for letting us know. We will have someone reach out to you to troubleshoot.
Hi Casey, if, for example, you have a biweekly payroll distribution to a loan, we would redistribute payroll so that two biweekly payments were "skipped." Instead of applying those payroll funds to the loan, the funds would go to the payroll remainder account which is usually the checking. If you have questions about your own account, please give us a call at 800-373-7600, and we would be happy to help you!
Hi Colleen, yes, Pay Pause is back this year. Members with eligible loans will see a pop up in Shine Online Banking beginning November 13 and receive a letter in the mail the same week. If you have any questions, feel free to call our loan department at 563-557-7600 / 800-373-7600, ext. 202.
Hi Teresa, we will have someone reach out to you. Thanks!
Hi Tara, yes, Dupaco is doing Skip a Pay again this year. It is now called Pay Pause, but is the same program. If you're eligible for Pay Pause, you will receive letter by mail, which mails Nov. 14, and you will see a banner ad as well as a pop-up announcement in Shine Online Banking.
Hello, yes, if you have a share account (savings), we can issue you a cashier's check. If the check is payable to yourself, there is no fee associated with it, but if it's payable to someone else, there will be a $3.00 fee.
Hi Nipa, a savings account is your share of ownership account, so it is required for all of our other products, such as VISA, checking, etc.
Hi Gail, your PIN will arrive separately in the mail a few days after your MoneyCard.
Hi Megan, yes, you can make a deposit on a non-Dupaco ATM machine. Since you don't have a Dupaco branch nearby, some other alternatives to look into include shared branches, mobile deposit, and direct deposit for your payroll checks.
Hi Tina, Youâ€™re right, how to bank should be an individual choice and you shouldnâ€™t feel pressured to use online tools. Thatâ€™s why we offer a variety of ways to bank, including transacting in person. Our tellers are trained to suggest other means of account access to members as a courtesy (education and awareness of other Dupaco services), but these efforts should never make you question your choice to bank in person. For that we apologize!
Tara, Yes we do offer Skip a Payment on certain loans. To find out if you are eligible you may either log in to Shine Online Banking (you'll be presented an option to skip a payment if you are eligible) or call Dupaco. Thanks for your interest!
Hi Mary, you can find your member number at the top of your statements. This can also be done via Shine online banking. Once you log in, click on the Documents & Statements tab towards the top Dupaco banner, then click on any statement and download it. You can then find your member number at the top right corner of the downloaded statement. Hope this helps!
Hi Michael, Dupaco is already on Apple Pay. In fact, we were the 26th financial institution in the U.S. to offer it. As for Android Pay and Samsung Pay, we are currently in the process of getting them put in action. We are anticipating deployment of these two mobile payments options sometime in early 2016.
Hi Mark, Dupaco is sponsoring live streaming with TH (Telegraph Herald) Media. The link is: http://www.thonline.com/live/
The 3.90% interest rate is on balance transfers and cash advances. You will automatically receive that rate on any balance transfers you make between now and 2/28.
The 5.99% is an introductory APR, for qualified members, for 182 days from the issuance of the card. When the discounted period expires, the APR on existing balances will increase to the new non-discount rate on the first day of the billing cycle.
Hope this helps!
Yes you can use your Dupaco debit card out of the country. Just make sure you let us know when you will be travelling.
Yes you can.
Members who qualified for Skip a Pay should have seen the option to register once they signed into their Shine Online Banking account. If you have qualified and do not use Shine, you should receive a letter in the mail later this week. Thanks!
Are you looking at your account via the Dupaco app or on a desktop computer? You will only be able to see the outstanding charges on your debit card on a desktop computer. Let me know if you have any further questions. My email is email@example.com
I'm not sure what the issue could be so I'll get our IT department in touch with you shortly. Thanks!
Kurt and Susan,
I'm sorry to hear no one has responded to you about this issue. I will have someone from our IT department get in touch with your as soon as possible. Thanks for understanding!
Daniel, Dupaco's routing number is 273974581.
If you were to transfer money from your Holiday Club account to a different account, you would have to transfer all of the money in the account and which would then deactivate the account. This is because Dupaco offers a higher dividend at the end of the year for those who contribute to their Holiday Club accounts as an incentive to save. If you would still like to withdraw funds from your Holiday Club, call Dupaco at 800-373-7600 ext. 0, or stop in!
Hi Sara! We will have a member service representative get in touch with you very soon. They will help you with whatever you need from miles away!
Deb, we can set up automatic transfers from savings to checking when your account falls below zero. Please contact us and we'll be happy to set this up on your account.
Although automatic payments should come to a stop, it never hurts to call Dupaco to ensure your loan is paid in full. Feel free to call us at (563) 557-7600.
Yes, we can finance a home in Colorado or any state in the continental U.S. except for Texas. A Dupaco lender will be able to take your mortgage application over the phone.