FAQs

Have a question about any of our services?  You may find the answer here.  If you can’t find the answer you’re looking for on DuTrac's web site, please contact us by e-mail members@dutrac.org, by phone at (563) 582.1331, or (800) 475.1331 or visit any one of DuTrac's convenient locations. We’ll be happy to assist you.

Home Loan FAQs

At what stage of the home-buying process should I visit my credit union?

It is best to visit your credit union's mortgage department before you even begin to shop for that new home. A basic pre-qualifying exercise will give you a feel for how much home you can afford. Mortgage Pre-approval will take this one step better, and will not only provide you with affordability information, but also will give you a leg-up in the negotiation process. There is no doubt that a buyer with guaranteed funds has more leverage in a negotiation than one who is still waiting to hear back from their lender.

What is a first mortgage?

A first mortgage is exactly what it says it is - the first loan on a certain piece of property. No other lien has been taken out on this home. When you first buy a house, the loan you typically receive is a first mortgage.

What is a second mortgage?

A second mortgage is also what it says - the second loan against a specific piece of property. Consider this example: Let's say you have a first mortgage on your home. The value is $100,000 and you have a $60,000 balance left to pay on your loan. The $40,000 difference is considered equity, or the part of the home that you own outright. If you wish to further borrow against that $40,000, you would be taking out a second mortgage on the home in order to do so. Why borrow against this equity? In many cases, the interest rate you pay on your mortgage is lower than many other types of loans. Interest is also frequently tax deductible for a first or second mortgage, but not necessarily for a car loan or a credit card. (Consult your tax advisor for more information on tax deductibility and home loans.)

What does it mean to 'sell my mortgage on the secondary market'?

Fear not - This phrase is not nearly as ominous as it sounds. Frequently, your credit union can get you an extremely competitive rate on the secondary market. This is simply a network of large mortgage lenders that work with the credit union to deliver low rates to borrowers. If the member chooses, they can finance their home loan with a secondary market lender, and can do so through the credit union. The credit union may technically hold the loan for a very short period of time before 'selling it' to this other lender. The member often makes their loan payments to and receives loan servicing from this secondary market lender.

What do I need to bring to my mortgage loan application?

The following is a list of the recommended documents to bring to your mortgage application:

  • Most recent 2 years W-2 forms
  • Original pay stubs for the most recent 30-day period
  • Most recent bank statements
  • Copy of the purchase agreement and earnest check if buying
  • If self-employed 2 years of tax returns and all schedules
  • If a first time homebuyer in Iowa 3 years tax returns

PC BRANCH FAQs

What do I need to use PC Branch?

To use PC Branch, you need a PC or MAC with access to the internet and a browser such as Netscape Navigator (version 8.0 or higher), Microsoft Internet Explorer (version 6.0 or higher), or Mozilla Firefox.

How should my browser be configured?

Before you log-in, it’s important that you configure your browser to ensure the security of your PC Branch transactions.

Please review our Requirements page for further details.  Due to an issue acknowledged by Microsoft, having Content Advisor enabled can cause problems with secure sites.  If you are having problems logging into PC Branch, please make sure that your Content Advisor is disabled.  Go to Tools, Internet Options - Select the Content tab and click on disable under Content Advisor.

What security measures are used in PC Branch?

Several security measures are used:

Encryption Technology. PC Branch uses powerful encryption, which prevents monitoring of your account or transactions as you use PC Branch.

Personal Identification Number (PIN).  PC Branch requires you to enter your PIN each time you sign in.  For added protection you can change your PIN, further ensuring nobody else can access you account.  Remember to change your PIN frequently and memorize it.  Never write it down where it could be found and never give it to anyone else.

Limited Sign-In Attempts.  If after 3 attempts you are unable to sign in, PC Branch will automatically lock out your account to Internet access.  You can reset your password online or contact a financial services consultant for assistance.

Firewalls.  Advanced Firewall protections are also in place to secure PC Branch from non-authorized users.

Timed log-out.  After 10 minutes of inactivity in PC Branch, the system will automatically log you out, but you can log back in as many times as you wish.  This ensures your security should you leave your PC without fully exiting PC Branch.

What should I do if I get locked out of PC Branch?

If you are locked out of your PC Branch account, you can use the "Forgot Password" link on the password page of the login process. You will be required to confirm your identity to reset your password. You may also contact a financial services consultant at (563) 582.1331 or (800) 475.1331 during normal business hours.

What should I do if I forget my password?

If you forget your password, simply use the "Forgot Password" link on the password page of the login process. You may also contact a financial services consultant at (563) 582.1331 or (800) 475.1331.

What should I do if I can sign in, but the system will not show my account balance?

Be sure to check the setups of your browser.  PC Branch requires Java and Cookies be enabled in your browser setup.

Where is my credit card information?

The only credit card information available on PC Branch is your current balance.  For detailed information about your credit card account you need to enroll in mycardinfo.  “Mycardinfo” allows you to view current activity, past statements and much more.

When I make a transfer how soon will my new balance appear?

After you make a transfer on PC Branch, a confirmation screen will appear and will show your new balances in the “Available” section.  Your new balance becomes effective immediately.

I got logged off just as I was making a transfer. Was the transfer completed?

To ensure the transaction was completed you should log in again and view the Account Summary or the History screen.

Why can't I transfer to my spouse's/children’s account(s)?

Transfer to other accounts is available providing two items are in place.  First, you must be a joint member on the account you want to transfer to.  Secondly, you must request this access be set up.  To request this service contact a Financial services consultant at (563) 582.1331 or (800) 475.1331.

Is there a fee for PC Branch?  If I do certain things on PC Branch, is there a fee?

PC Branch is a money saving, time saving, convenient product offered by DuTrac Community at no charge.  There are no fees charged for having PC Branch, however some of the services performed or requested though PC Branch may have a fee associated with them.  (ie. Stop Payments on checks)

Can I e-mail staff with question?

Yes.  Simply send your question to members@dutrac.org and someone will reply as soon as possible.  For security purposes, we cannot e-mail specific account information.  Should you have questions about your account, please contact a financial services consultant at (563) 582.1331 or (800) 475.1331.

Can I use my AccessLine/SecureCard PIN to access my account information online?

No, you must use the password supplied to you specifically for PC Branch. Once logged in, you can then change the password to a code of your choice, as long as it falls within the password guidelines. To do this, go to the "Other Services" page in PC Branch and select "Change Password."

What are the guidelines for selecting a password?

Your password must be 8-16 characters long and must contain alpha and numeric characters.  When changing your password you will also see a list of restrictions associated with password selection.

Will I get a receipt for my transfers?

All transfers will be confirmed on screen and will appear on your regular statement. In addition, your transaction will appear in the History section in PC Branch.

Why can't I transfer to my IRA?

IRA transfers require special handling per IRS regulations and currently cannot be made through PC Branch.

I didn't change my browser setting before entering, will this cause any security concerns?

No, the browser settings will affect the look and feel of the screens on PC Branch only.  The same high level security and encryption is in place at all times.

When I make a transfer from my savings account(s) I see a message about Reg D, what is that?

Regulation D is a federal regulation that limits the number of transactions done in a savings account online or by telephone, among other things.  You are allowed 6 non “in person” transactions a month.  There is no limit to the number of transactions you can do in person.

Advance FAQs

Why should I use DuTrac’s Advance Personal Finance Manager (PFM)?

DuTrac provides the tools to help you easily manage and track ALL of your finances online from one source! DuTrac’s Advance assists you in creating a budget, identifying where money goes each month, sets spending targets, and identifies ways to cut back on spending while saving you more. Advance will also help you track your upcoming bills and incoming cash, while helping you create and track your personal goals! Make managing your money enjoyable, educational, and entertaining. It's secure, safe and easy. You've got nothing to lose, only money to gain!

How do I start?

To get started, follow these simple steps:

  1. Log into your PC Branch account.
  2. Add at least one new account.
  3. Customize the "tag" names on your transactions to get the most accurate financial picture.
  4. Enter fixed items into your Cashflow.
  5. Set up your Budgets.
  6. Check out Answers.
  7. Create a Goal!

If you have any issues with any of the above steps, please contact a DuTrac financial services consultant by calling (800) 475.1331 or email: members@dutrac.org.

Is my information secure?

Yes, your information is secure because Advance uses several layers of security. First, your account information resides behind a firewall that is protected from unauthorized entry. In addition, all sensitive data is encrypted in the data warehouse and sessions are protected by your password, the security built into your browser and SSL (Secure Sockets Layer) the standard security technology for establishing an encrypted link between a web server and a browser.

What happens to my financial institutions' usernames & passwords?

Your financial institutions' usernames/passwords are maintained offsite by Advance. Your added financial institutions’ usernames and passwords are NOT stored at DuTrac, nor can DuTrac staff access this information. Advance’s unique ID connects you with Advance; this allows for the automatic updating of your accounts.

Do you collect my data?

Yes, Advance collects data. But Advance does NOT collect any data specifically connected to YOU. For example, Advance collects averages that people spend on car loans. But Advance does not know the specific balance remaining on Joe Smith's loan used to purchase his collector '72 Camaro. That information is between Joe and his lender. So yes, Advance collects information, but it is anonymous. DuTrac respects your privacy and takes the matter very seriously.

Can a hacker access my financial data?

DuTrac has taken specific measures to ensure Advance is secure. DuTrac is also are required to have security suitable for interaction with other financial institutions. Security is of paramount importance to you and DuTrac, so DuTrac takes the steps needed to mitigate risks.

Can my identity be stolen?

The risk of stolen identity is extremely low. Make sure you keep your PC Branch username and password to yourself. This will limit access to your account under false pretenses. Furthermore, a DuTrac financial services consultant may ask for your username or email address, but NEVER your password.

I'm nervous about adding all of my accounts at other financials.

Using DuTrac’s Advance site is just as secure as using DuTrac’s PC Branch. There are several reasons:

  • None of your accounts are actually all in one place. Your accounts are still safely at their respective financial institutions. DuTrac’s Advance just allows you to monitor them in one convenient location within PC Branch.
  • Advance does NOT store any of your added financial institutions’ sensitive data or passwords.
  • It is in DuTrac’s best interest as a business to earn your trust. DuTrac would not create anything that would be risky to use because ultimately that would reflect poorly on DuTrac’s reputation as a safe and secure leader in the financial services industry.

What shows up on my Advance Dashboard?

You can view the following items from your Advance Dashboard:

  • Automatically uploaded accounts
  • Daily account transactions
  • Your customizable Advance widgets which can include goals, budgets, bills, net worth, and more.

What type of accounts does Advance support?

Advance supports the following types of accounts:

  • Checking
  • Savings
  • Credit Cards
  • Loans (auto, home, student, personal)
  • Brokerage (401k, IRA, and other stock accounts)

What financial institutions does Advance support?

Advance supports more than 6,000 financial institutions. If you're having trouble finding yours, please try these search tips:

  • Input your financial institution's EXACT name
  • Next, try searching with the least amount of words possible. (For example: You are searching for "State Employees Credit Union of Maryland." Try typing in "State Employees" and see if any applicable choices appear below your search box.)
  • If your financial institution has a nickname (i.e. SECU) try searching under those terms.
  • Lastly, if your financial institution has a state or unique word in it, try searching only by that term (i.e. "Maryland"). If you still cannot locate your financial institution, chances are that Advance does not support it at the moment. You can request your institution to be added by contacting a DuTrac financial services consultant.

How do I add an account within Advance?

Adding an account in Advance is quick and easy, please follow these steps:

  1. Log into your PC Branch account.
  2. Click the "Add" button next to the "Accounts" heading in your left sidebar located in the Advance tab.
  3. Enter your financial institution into the search box and click "Search."
  4. Verify your identity: Enter your information as you would when logging into your financial institution and click "Connect."
  5. Answer your security question(s) (if asked), and click "Connect."
  6. Classify your account(s) (choose the closest choice if the exact account type is not listed), and click "Save."
  7. Wait for your accounts to upload. If you have more than one account at this particular financial institution it will take longer to upload.

What should I do if I am having trouble adding my financial institution(s) within Advance?

If you are having trouble automatically adding accounts and have tried the Advance Search Tips (See also: "What financial institutions does Advance support?"), please let us know by contacting a DuTrac financial services consultant.

How do I handle cash transactions like ATM withdrawals within Advance?

You can split tag your cash transactions so your cash withdrawal gets properly distributed within Advance. (Learn more within “Advance split tagging FAQ.”) (See also: “How do I split tag my transactions?”)

How do I delete a previously added financial institution?

To delete an account, please take the following steps:

  1. Click on the account you wish to delete, located under "Accounts" in the left side of your screen.
  2. You will be directed to that account's detail page. Look to the small gray links at the top, next to your account's name. Click on the link labeled "Edit."
  3. At the bottom of the page, you will see the delete an account option. Click "Delete" to permanently delete your account from Advance. Your account should now be deleted.

How do I assign nicknames to my other financial institutions?

To personalize how you view other financial institutions:

  1. 1. Click on the account under "Accounts" in the left side of your screen.
  2. You will be directed to that account's detail page. Look to the small gray links at the top, next to your account's name. Click on the link labeled "Edit."
  3. 3. You will see a box that has your account's name. Type in a new nickname and click "Save."

That's it! From now on your Advance account will display the new name. You can change the name again at any time.

What Is a Tag?

A tag is a one-word description. Use Advance tags to categorize your transactions to get a good idea of how you're spending your money. When you add or update a financial institution, Advance will automatically pull in your most recent transactions and auto-tag (gas, food, clothes, etc.) them for you! DuTrac strongly suggests you edit your tags by clicking on the "edit" button associated with each transaction. Tags makes it simple for you to track your spending in entirely new ways, and customized tags give you a more accurate view of your complete financial picture and budget.

How do I edit a tag?

Advance will automatically "tag" your transactions, but to get a more accurate financial picture, it is best to customize tags specifically to you. To change a tag, please take the following steps:

  1. Click on the account that holds the transaction(s) you would like to edit (under "Accounts" on the left of your "Advance Dashboard" page).
  2. Click on any transaction to begin editing it.
  3. Review the "Title" of your transaction. If you wish to change it, simply edit the text.
  4. Click the "x" next to the existing tag if you'd like to change it. Start typing your replacement tag and autocompletion suggestions will be displayed. Finish your tag, or choose a highlighted suggestion from the list that appears.
  5. Optional: Click "split tags" if you would like to allocate portions of this transaction in separate tags.
  6. Click "Save Transaction."

How do I split the tags on my transactions?

If you would like to "split tag" your transactions, please take the following steps:

  1. Click on any transaction when an edit button appears next to it.
  2. Click the "split tag" link in the Tag area of the form.
  3. Enter your first tag and its allocated value (respectively) in the first row of fields that appear.
  4. Repeat the process for each tag, ensuring that the entire balance of the transaction is accounted for.
  5. Click the "add another tag" button if you want to split between more than two tags.
  6. Click "Save Transaction" to finalize the changes.

How do I apply custom titles and tags to similar transactions within Advance?

If you would like your changes to a transaction's title or tags to be applied to similar transaction(s), check the box in the "Create a Rule" area of the transaction editor. This will allow you to choose from a number of different recurrence styles:

  • Apply for transactions from ALL ACCOUNTS from ANY TIME PERIOD
  • Apply for transactions from ALL ACCOUNTS from THIS TRANSACTION MOVING FORWARD
  • Apply for transactions from THIS ACCOUNT ONLY from ANY TIME PERIOD
  • Apply for transactions from THIS ACCOUNT ONLY from THIS TRANSACTION MOVING FORWARD

How are budgets used within Advance?

By creating a budget, all of your spending from aggregated accounts begins to take form. As you spend and save money, Advance will show you how you're doing with what you've budgeted. Also, be sure to view the Advance video tutorials to establish your budgets on the Budget page.

How do I edit or delete a Spending Target within Advance?

To edit or delete your Spending Targets:

  1. Click on the navigation item "Budget" at the top of the page.
  2. Click on the spending target from the list that you'd like to modify.
  3. At the top of the page, click the "Edit" or "Delete" button. Deleting is permanent and will immediately delete a spending target.

What's the difference between a Spending Target and a Bill?

Spending Targets include routine expenses like groceries, entertainment or coffee. These expenses can be linked to a tag. The tag then links to your account transactions (if you've previously uploaded an account). Note: You can add multiple tags here. For example, if you create a spending target for "Transportation", this may include multiple tags such as: gas, tolls, car. Bills are recurring expenses such as rent, auto loan, or utilities. These expenses have a due date and you can input them into a calendar to keep track of your Cashflow and payment due dates. You can also set up Alerts to remind you of bills coming up on the calendar.

How do I use my Cashflow Calendar?

Use it to get a quick glance of when your bills are due, when your paycheck is coming, and for setting up budgets. Click the navigation item "Cashflow" to open it and click on a day to add a new income source or bill due date. Complete the transaction details and the item is added to your Cashflow Calendar. You can also select which accounts comprise your Cashflow by clicking “Choose Accounts” above the calendar.

How do I create a bi-weekly income?

When adding an income source within Advance, simply choose between bi-weekly and semi-monthly frequency options. Bi-weekly is once every two weeks (on the same day), whereas semimonthly is twice per month, separated from each other by 15 days.

What are Goals?

Goals are a way for you to visually track your financial progress. What do you want to accomplish? Make a goal and start seeing your financial wants and dreams become reality!

Why should I create a Goal?

Advance will help you monitor your financial goals. Seeing your goals will help you stay on track to achieving success! As you progress, Advance will let you know. Once completed, you will be rewarded with a job well done... your wallet will thank you!

What are Alerts?

Alerts are personalized notifications sent to your mobile device and/or email from Advance, which help you keep track of activities in your account(s). If you have set up a bill, Advance will alert you to when that bill’s due date is approaching. If you want to monitor your checking account to avoid overdrafts, you can set up a low balance alert to let you know when your account falls below a preset amount. For more details in setting up Alerts, be sure to view the Advance video tutorial on the Alerts page.

How do I set up my email and mobile phone settings?

From the Advance Dashboard, click on the navigation item "Alerts". You can now enter these preferences at the bottom of the Alerts page.

What cell phones does Advance support?

As long as your cell phone can send and receive text messages, you can choose the Advance Text Message option. Standard messaging charges may apply, so check with your wireless carrier for more details on text messaging fees.

How do I set up Alerts within Advance?

Here's how to set up your Alerts:

  1. Click on the navigation item"Alerts" at the top of the page
  2. Click on "Add an Alert" to get started.
  3. Choose your Alert type:
    - Account Balance Alerts
    - Spending Target Alerts
    - Bill Reminder Alerts/
    - Large Transaction Alerts
    - Goal Progress Alerts
    - Specific Store Alerts
  4. Choose the Alert Options:
    - Email
    - Text Message
  5. Click "Add Alert."

Advance is working in one internet browser, but not in a different browser. Why is that?

There are many browsers and DuTrac does the best to support as many browsers as possible. We currently support:

  • Mozilla Firefox 2+ (Windows + Mac)
  • Safari 2+ (Windows + Mac)
  • Internet Explorer 7+

If you have an older browser, please try upgrading to one of these supported browsers. If you experience a problem with one of DuTrac’s supported browsers, please contact a DuTrac financial services consultant.

My financial institution uses image/word verification. Does Advance support that technology?

Advance currently does not have the infrastructure in place to support such a transaction; however, DuTrac is working on a solution.

Is there a mobile app for Advance?

DuTrac is currently in the process of working with software companies to provide an Advance mobile app.

I have another suggestion/question about Advance!

Let us help you! You can contact a DuTrac financial services consultant by phone at: (800) 475.1331, by e-mail at: members@dutrac.org, on the web through our contact form, or by visiting one of our convenient locations.

 

MobileLink FAQs

What is MobileLink?

MobileLink gives DuTrac members the ability to use their phone or compatible mobile to view their account balance and perform various account functions:

Mobile App
Members with an iPhone or Android smart phone can easily access their accounts through the MobileLink app. Download the app today using the links to the right.

Mobile Browser
Use your browser-enabled mobile device to access DuTrac's mobile version of PC Branch. A perfect option for phones other than iPhone or Android.

Text Banking
A quick and easy way to inquire about basic account balance and transaction history information – all sent right to your phone via text message.

Mobile Alerts
MobileLink's Alerts allow members to specify the type of alerts they wish to receive regarding activity occurring on selected accounts, such as low account balance, via e-mail or text message.

How do I get MobileLink?

Download the app from your smartphone’s app store or log into your PC Branch account to enroll in the Browser or Text based services.

Do I need to sign up or enroll in MobileLink?

In order to use MobileLink, a member must first be enrolled in PC Branch. Additionally, text and browser based banking through MobileLink require the member to first register their device through PC Branch. For instructions on registering your device and using MobileLink, click here.

I do not have a smartphone or browser based mobile device. Can I still access my accounts on the go?

Members without smartphones or browser enabled mobile devices can still receive account balances and transaction information through MobileLink’s Text Banking. After registering your device and enrolling in Text banking, members can request account balances by texting “BAL” to 59289. Members can also receive transaction history by texting “HIST” plus the account code/nickname setup during enrollment, or receive instructions on the go by texting “HELP" to 59289.

Is there any cost for MobileLink?

DuTrac’s MobileLink is absolutely free.*
(*Standard carrier rates apply to text messages and data transfer.)

Can I register more than one account on my phone?

At this time, you can only register one account/user ID per device. If you attempt to register the phone to a second account, it will delete the original phone registration. When you initially sign up to use the app or texting service on your DuTrac account(s), you will be able to indicate which accounts you want to access through the mobile services.

Can I do transfers to and from my accounts?

At this time you can transfer to/from the account(s) set up on the registered device.

You may also transfer from the account set up on the registered device to any cross-accounts that exist within PC Branch which you have chosen to include as an account within MobileLink.

Is there an app for tablets?

Currently, MobileLink is not available for tablets.

Is MobileLink secure?

MobileLink uses powerful encryption and Firewalls, just like PC Branch, which encrypts and protects any transmission of data, including all member account information, as well as protecting from unauthorized or malicious intrusions.

MobileLink uses the same login information as PC Branch, including your secure image and passphrase dual authentication.

What if my phone gets lost or stolen?

In the event of a lost or stolen phone, MobileLink – and your account information - remains secure.

The MobileLink App does not store any personal information on your phone, and a password is required every time you log in to the app to protect from unauthorized access.

As an additional security measure, full account numbers are never displayed on any of MobileLink’s services. You can also log in to PC Branch at any time to deactivate a device to prevent any Text or Browser based banking from that phone.

BillPayer FAQs

What is BillPayer?

BillPayer is an electronic service that allows you to pay bills through PC Branch. With this service there is no more writing checks or mailing bills.

How do I enroll?

First, you must sign up for PC Branch and you must have a checking account with DuTrac.

If you have used PC Branch in the last six months, you can go to your PC Branch page and click on the "BillPayer" button (see "How do I get started using BillPayer?" for detailed information).

Whom can I pay?

Any individual or company you choose. For example, your utilities, mortgage, rent, babysitter or any vendor you choose. The only exceptions are any government agency, collection service, or company with an address outside the United States of America. Child support, alimony and maintenance payments are ineligible as well.

How does it work?

It’s easy! Schedule either a one-time or recurring payment requests through a DuTrac Community Credit Union checking account. On the scheduled payment date, your payment is processed by the Credit Union and is submitted to the payee the following day. Payments are made electronically to the vendor whenever possible. If the payee does not accept electronic payments a check will be issued.  Please note that payments are not processed on holidays or when the credit union is closed.

Which account can I use with BillPayer?

BillPayer can only be used in conjunction with your DuTrac Community checking account.

How do I get started using BillPayer?

Once you have enrolled, simply create your own list of payees.

How do I set up payees?

First, click on the "Payees" button in the BillPayer section. Second, add the payee in the "Add Payee" section. When creating a new payee, all fields must be completed. The only exceptions are the "Attn:" field and the "Ext." in the "Phone" field. If you fail to input information in all of the required fields, your payee will not be set up and you will not be able to make payments to this payee. Once you have set up a payee in the "Add Payee" section you will need to wait up to five business days before scheduling a payment. This allows our payment processor to verify your information. Please note that this five business-day delay is only imposed once per new payee that you create. 

Please ensure the payee is set up with the same address as the address on your payees invoice/statement. If you use a different address, it could be a different office/department that has no ability to apply your payment to an account that they don't recognize. If you have any address questions, call the payee to verify their information.

Once I enroll, how soon can I start to make payments?

If you set up a "New Payee", you must allow five business days before you can begin scheduling payments to that payee. This allows our payment processor enough time to verify payee information before the first payment is sent.

Do not wait until you are ready to pay bills to set up new payees. 

What is the difference between a recurring and one-time payment?

One-time payments are payments that are not the same dollar amount each month, or are not due each month at the same time or will only be due once. Recurring payments are for bills that are due at the same time each month for the same dollar amount.

How are my bills paid?

BillPayer payees can be paid by either CHECK or ELECTRONIC transfer. To verify which method your payee uses, look at the "Payment Method" column in the Payees section.

What is the difference between a bill paid by "Check" and one paid "Electronically"?

A "Check" payment is a paper draft sent though the US Mail system. You must allow sufficient time for the payee to receive this type of payment just as if you were mailing the payment yourself. An "Electronic" payment is sent out electronically and is the preferred payment method; however, some payees are not able to accept this type of payment. "Electronic" payments clear within two to three days.

When are my bills paid?

At approximately 10:00 AM on any given business day, all payments scheduled for that "Payment Date" will be collected and deducted from the appropriate accounts, processed and sent to our bill payment processor. Based upon the Payees preferred method of payment, our processor will either send payment to your Payee electronically or will cut a paper check to mail to your Payee.  Please note that payments are not processed on holidays or when the credit union is closed.

Is there a maximum amount I can pay?

Yes, the maximum amount for a single payment is $9,999.99. If you need to make a payment to a vendor that is larger than this amount, you must split the payment into two payments.

How do I check my payment status?

It’s easy to check on the progress of your payment. In BillPayer, click on the "Payment History" button and check under the column entitled "Status".

Explanations of terms are as follows:

  • IN PROCESS - Payment was deducted from your credit union account and submitted for processing.
  • CHECK SENT - The payee accepts only check payments. A check has been forwarded.
  • E-PAYMENT SENT - The payee will accept an electronic payment and it has been processed.
  • CHECK CLEARED - The check has been received and processed by the payee/payee.
  • INSUFFICIENT FUNDS -Your credit union account did not have sufficient available funds to process the payment. The payment was not processed.
  • PAYMENT ERROR - An error has occurred during transmission. The credit union will review for processing.

I made a payment to a Payee through BillPayer and it has not been credited to my account. What can I do?

Use the following steps to verify the status of a transaction:
In BillPayer, click on the "Payment History" button and check your history to ensure that no errors have been made during the payment setup process. Also, under "Payees" verify the account number, billing address, etc.

Make sure you have waited eight (8) business days.

Contact the Payee directly to inquire if your payment has been received. If this does not resolve the issue, you may e-mail DuTrac Community at members@dutrac.org or call (563) 582.1331 or (800) 475.1331.

How long will it take for a merchant to receive my payment?

On average, allow two days (Monday-Friday) for electronic merchants and seven days (Monday-Friday) for those merchants paid by paper check (for those unable to receive electronic payment). Saturdays, Sundays, and Holidays should not be counted when estimating payment dates. Your Personal Payee List will show whether a merchant is receiving payments electronically or by a check in the mail.

Please remember that DuTrac Community Credit Union cannot control the delivery of payments by the post office or the posting schedule of the merchant (when the payment is actually credited to your account).

What if I need a copy of a check?

You will need to call DuTrac Community at (563) 582.1331 or (800) 475.1331 and speak with a Financial Service Consultant to inform them of your request. Your account will be charged a fee for the check copy.

How is BillPayer different from Bill Presentment or ACH Debit Origination?

BillPayer is different from other products such as Bill Presentment and ACH Debit Origination in that it keeps member's in control of their bills and when and if they are to be paid. It is the members responsibility to designate the date and amount to be paid because payees will not directly take the money from the account the day it is due.

*Payees addresses and method of payment may automatically be changed. The reasoning for this is that we will continuously update the payees with the most accurate information and attempt to streamline the payment process for you. When the payee was originally being paid via check, we may automatically convert the address so that we may now make the necessary payments electronically.

Checking FAQs

What types of checking accounts do you offer?

We offer four types of checking accounts to meet our member's needs. We have our Relationship Checking account, our EcoPlus Account, our Value Checking account and our High Yield Checking account.  Whichever account you choose, you'll receive important extras, such as 24-hour access by phone, computer or ATM, and convenient branch access.  Finding the right checking account to best suit your lifestyle and financial needs is easy at DuTrac Community Credit Union.

How do I open a checking account?

You can open your checking account online* or stop in to any one of DuTrac's convenient office locations.

*When opening an account online, members are still required to stop into a branch to sign paperwork.
 

Is there a monthly service fee?

No, none of our checking accounts have monthly fees.

Is there a per check charge?

On our Relationship Checking account, if you write more than 40 checks per month, the charge per check is $.10 each for those over 40, with our High Yield checking account, if you write more than 20 checks per month, you will be charged a $.10 per check fee over 20 and with our Value Checking and EcoPlus accounts, you can write as many checks as you would like at no charge.

Is there a limit to how many checks I can write in one month?

There is no limit to how many checks you can write, however, on the Relationship Checking account, if you write more than 40 checks per month, you will be charged $.10 per check over 40.  On our High Yield checking account, if you write more than 20 checks per month, you will be charged a $.10 per check fee over 20.

Is there a minimum balance required?

There are no minimum balance requirements.  On our Relationship Checking account, you can earn dividends on your account when you maintain an average daily balance of $1000.  On our High Yield Checking account you will earn dividends on your account when you maintain an average daily balance of $2,500 or more.  Balances that are kept over $10,000 will earn even higher dividends.

Does my checking account earn interest?

Yes, the Relationship Checking account offers you dividends if you maintain an average daily balance of $1000 and our High Yield Checking account offers you dividends if you maintain an average daily balance of $2500 or more.  Balances that are kept over $10,000 will earn even higher dividends.

What is the minimum deposit to open my checking account?

$25.00

Will I receive an ATM card for my checking account?

Yes, you can receive a SecureCard ATM card immediately upon opening your checking account.

I don't like writing checks; do you have a debit card?

Yes, with a checking account you can be issued a CheckCard Plus or EcoPlus Account debit card.

Can I make deposits at an ATM?

Yes, you can make deposits in the state of Iowa using our SecureCard ATM card, CheckCard Plus or EcoPlus Account debit card.

How long does it take to receive my checks in the mail?

Approximately seven to ten business days, depending on the United States Postal Service.

What is my checking account number?

Your checking account number, in most cases, will be your share savings account number with a "9" added at the end.  Your checking account number can be found on the bottom of your checks.  It will be the middle set of numbers.

Do you offer overdraft protection?

Yes, we offer overdraft protection on all of our checking accounts with a line of credit or funds can be transferred from your savings account to cover an overdraft.

How can I get direct deposit of my paycheck?

To have your funds directly deposited into your DuTrac checking account, contact your personnel or payroll department at work. If you have additional questions, contact a financial services consultant at members@dutrac.org or call (563) 582.1331 or (800) 475.1331. 

How can I get account information including balances, checks paid, and deposits cleared?

DuTrac Community's online services offer you a choice of convenient ways to do your financial business with us. You can access account information, transfer balances, or pay bills any time of the day or night with our flexible services, including PC Branch, BillPayer, AccessLine, SecureCard ATM Card, CheckCard Plus and EcoPlus Account debit cards. You're never more than a phone call or click away from 24-hour access to your account information. 

What are your branch and ATM hours/locations?

Click here for the nearest location and their hours and here for the closest ATM locations.

Security FAQs

I'm hesitant about banking online. Can other people see my account information?

Your account information is just as secure as it is at your Credit Union branch. We've taken every step possible to be sure our system meets the latest security standards, including using the newest version of security encryption methods and software.

What about filling applications out online? How secure is that?

Your entire session, from beginning to end, is encrypted. Our system supports 128-bit encryption, so you must use the latest browser that supports this security level.

What kinds of security are available to Internet users?

There are two major types of security available: encryption and firewall.

What exactly is encryption, and how does it makes everything more secure?

Encryption is basically a way to rewrite something in a code that can then be decoded later with the right key. The encryption we use employs a mathematical process for the key that is made up of a certain number of bits (hence, 128-bit encryption). The higher the number of bits, the better the encryption. While using DuTrac's online services, all communication from you to the system and from the system to you is encrypted using 128 bits. In other words, when you input information to the system, your browser encrypts it using a 128-bit key, and then sends it to the system. The system decodes the information using the same key (which is predetermined when your internet banking session is started) and processes it.

What about information that is stored? Is it encrypted as well?

Information stored on our system is also encrypted using at least 128 bits.

What is a network firewall?

A firewall is a system or group of systems that enforces an access control policy between two networks. The firewall can be thought of as a pair of mechanisms: one that exists to block traffic, and the other which exists to permit traffic.

Why would I want a firewall?

The Internet is plagued with people who enjoy the electronic equivalent of writing on other people's walls with spray paint, tearing their mailboxes off, or just sitting in the street blowing their car horns. Some people try to get real work done over the Internet, and others have sensitive or proprietary data they must protect. Usually, a firewall's purpose is to keep the people out of your network while still letting you get your job done.

What can a firewall protect against?

Some firewalls permit only e-mail traffic through them, thereby protecting the network against any attacks other than attacks against the e-mail service. Other firewalls provide less strict protections, and block services that are known to be problems.  They are also configured to protect against unauthenticated interactive logins from the "outside" world. Firewalls are also important since they can provide a single "choke point" where security and audit can be imposed. Unlike in a situation where a computer system is being attacked by someone dialing in with a modem, the firewall can act as an effective "phone tap" and tracing tool.

What can't a firewall protect against?

Firewalls can't protect against attacks that don't go through the firewall.  Firewalls can't protect very well against things like viruses. There are too many ways of encoding binary files for transfer over networks, and too many different architectures and viruses to try to search for them all.

e-Statement FAQs

How do I know when my e-statement is ready?

DuTrac Community Credit Union will send you a monthly e-mail letting you know when your e-statement is available.

Do you send the e-statement right through e-mail?

No, DuTrac sends you an e-mail alert letting you know the e-statement is available.  You then need to log in to PC Branch to view the actual statement.

Is viewing an e-statement safe from hackers, phishers, and skimmers?

Yes, there are several security measures used with PC Branch, which is where you view your e-statement:

Encryption Technology.  PC Branch uses powerful encryption, which prevents monitoring of your account or transactions as you use PC Branch.

Personal Identification Number (PIN).  PC Branch requires you to enter your PIN each time you sign in.  For added protection you can change your PIN, further insuring nobody else can access you account.  Remember to change your PIN frequently and memorize it.  Never write it down where it could be found, and never give it to anyone else.

Limited Sign-In Attempts.  If after 3 attempts you are unable to sign in, PC Branch will automatically lock out your account to Internet access.  You need to contact a Financial services consultant to regain access.

Firewalls.  Advanced Firewall protections are also in place to secure PC Branch from non-authorized users.
Timed log-out.  After 10 minutes in PC Branch, the system will automatically log you out, but you can log back in as many times as you wish.  This insures your security should you leave your PC without fully exiting PC Branch.

How long do I have to view an e-statement?

You are able to view e-statements for a period of 14 months. 

Is there a way to save the e-statements past the allotted time of 14 months?

The e-statements themselves cannot be directly saved from the web site.  

 When I receive e-statements and print them from my own computer, will they print in the same format/have the same look as the statements I would receive from DuTrac?

If you print e-statements from PC Branch, there are two options to view and print:

1. View and print as text gives you a plain text version of your statement.
2. View and print as image gives you an exact reproduction of what you would receive in the mail.

My computer crashed with my statements saved on it. Can I always get a copy of my statement(s)?

Yes, you can go back 14 months on PC Branch to view your e-statements.  If you are in need of a statement that is older than 14 months, you can always contact DuTrac to obtain a printed copy.  A small fee may apply.

What happens if I change my e-mail address or internet provider?

You would still be able to access your e-statement by logging in to our secure PC Branch. You will be able to conveniently change your e-mail address while logged in to PC Branch.

Auto FAQs

Why should I get my car loan at a credit union?

Nationally, credit unions are among the most competitive vehicle lenders. We're not-for-profit, so our focus is on member service, not the bottom line. That allows us to typically offer lower loan rates and fewer fees than the competition. We're also owned by the very members we serve, so you know you'll be treated like more than just a customer. You are an owner, and it is our goal to make you feel that way whenever we can.

At what stage of the car-buying process should I apply for my loan?

Though you can wait until the very last minute to apply for a vehicle loan, your best bet is to visit your Credit Union before you even begin to shop. The application process will give you a clear idea of just how much you can afford. Armed with this knowledge, you likely won't get talked into a vehicle that's out of your price range. If you have your auto loan pre-approved, you can often save yourself a return visit to the Credit Union. Ask a financial services consultant for more information about auto loan pre-approval.

Is applying for a loan on my Credit Union's website safe?

Absolutely. Your Credit Union uses state of the art encryption technology to ensure your loan application and personal information remains secure. Upon retrieval of this information, we will handle your web-application with the same confidentiality we administer to all personal documents.

The Credit Union's loan rate is lower, but other financing gives me lower monthly payments. Why is that?

It could be for any number of reasons; you are probably getting a lower monthly payment because you are stretching out the term of the loan. (ie: You are making more payments over the life of the loan) Before getting sold on a lower monthly payment, compare apples to apples. There may be some serious downsides to a loan that on the surface looks unusually affordable.

...And be sure to investigate the payment-lowering options at your Credit Union - Chances are, we have an option that will fit your budget.

What does the phrase 'upside down' mean when referring to owning a car?

A borrower is 'Upside Down' on their auto loan when they owe more than the vehicle is worth. This typically happens in the early months of a loan, especially when little or no down payment has been made. One of the key disadvantages of being upside down comes from an insurance perspective. If your vehicle is totaled, your policy may only cover the worth of the vehicle, and not necessarily the full balance of your loan. DuTrac offers optional Guaranteed Asset Protection coverage to help reduce this risk.