Online Banking FAQs

Have a question about Online Banking or the Mobile App?
online banking faqs


Tutorials are also available.

The Mobile App is available in the App Store or Google Play.
Select the Enroll link located below the Online Banking sign in box at and follow the steps. A step-by-step tutorial is available for new users using the Mobile App or Dow Credit Union Website.
  • For security purposes, the Mobile App will automatically sign out anytime you close the app or navigate to a different app.
  • If your web browser session remains inactive for 10 minutes you will automatically be signed out for security reasons.
You can find your 6-digit member number (also referred to as your account number) on your Dow Credit Union Membership Card, statement, or checks.
You can change your username or password at any time by signing in and navigating to Security settings. A step-by-step tutorial is available for the Mobile App and the Dow Credit Union Website.
Select the Forgot? link available within the sign in screen. You will be required to verify personal information and complete 2-Step Verification.
For security reasons, your account will automatically unlock after 24 hours of no attempted sign ins. Additional attempts to sign in will restart the 24 hour lock out period.
Stop by or call our Member Contact Center at 989.835.7794 or 800.835.7794 during normal business hours.
Select any share or loan from the Accounts section, then choose Alert preferences. A step-by-step tutorial for adding alerts is also available.
Dashboard cards can be added, removed, resized, and reorganized based on your personal preference. Select Organize dashboard at the very bottom of the Dashboard page.
Select the checking account that the check cleared through. Then choose the transaction to view details and the check image.
Select your checking account then Reorder checks.
Choose any share or loan and then select Documents.
Yes, you have access to 18 months history.
Dow Credit Union does not endorse the use of Online Banking for business purposes and does not support providing passwords or personal account information to any other person or company. Online Banking is intended for personal use only.
Online Banking users are required to be members of the credit union. A joint owner who is not a member and wishes to use Online Banking must become a member first.
Yes. You can easily start a conversation to do an inquiry on your account or send documents through the secure messaging feature.
For support, go to our contact page and you can either live chat, call or email us between the hours of 7:00 am to 6:00 pm Monday through Friday. If you are signed in to Online Banking (or the Mobile App) and need assistance, you can always send us a secure message. A response will be sent by the end of the following business day.

External Transfers

Up to $5,000 can be transferred in and up to $5,000 can be transferred out per day using External Transfers.

When adding an account from another financial institution, we must confirm ownership of the account. To do that, we will send two small credit deposits to your other institution’s account and one withdrawal (debit) may be made from the account in the same total amount as the deposits. You will be required to enter the two credit amounts deposited in order to verify your account. These transactions generally take 1-3 business days to process.

To verify the small deposits

  • On the side menu tap your name at the bottom > Settings > External Transfers
  • If you enter the small deposit amounts and they match our records, the account will be enabled for External Transfers.

Dow Credit Union does not charge a fee to process an External Transfer.
Up to 5 inbound and 5 outbound External Transfers can be completed in 1 day.
Funds can only be transferred to and from accounts within the U.S.
At this time, only external savings and checking accounts can be added.

If you would like to make a Dow Credit Union loan payment, follow the instructions below

Navigate to the Transfers page and select “Make a transfer”

  1. Select the External Account in the “From” dropdown and your Dow Credit Union loan in the “To” dropdown.
  2. Enter the desired payment amount.
  3. Select “More options” to select your frequency and date (e.g. Monthly on the 20th).
    *Please note that transfers begin processing on the evening of the date selected and funds will actually move the morning of the following Business Day.*
  4. Submit the transfer.

If making a payment on a mortgage loan please complete the following

  1. Complete the steps above, but select a Dow Credit Union savings account in the “To” dropdown as a temporary holding account.
  2. Select “Make a Transfer”.
  3. Select the temporary holding account in the “From” dropdown and your Dow Credit Union loan in the “To” dropdown.
  4. Enter the same payment amount.
  5. Select “More options” to pick the same frequency and set the date to at least one Business Day after the first transfer is scheduled.
  6. Submit the second transfer.

    Note: If the funds are not available in the account when the loan payment attempts to pull, the loan payment may not occur. We recommend monitoring your account to ensure your monthly payments are made.
Instead of using paper checks, ACH (Automated Clearing House) entries are created and transmitted electronically, making transactions faster, easier and more secure. Dow Credit Union submits the transactions to the ACH network to transfer funds between the accounts specified.

Transfers will start processing after 7pm on the transfer date selected. Funds will need to be available in the account that day. The funds will then post the following business day.

Transfers scheduled after 7pm or on a weekend/holiday will not start processing until the following business day.

Sign into Online Banking to view account activity and verify the transaction is complete.

2-Step Verification & Security

2-Step Verification (sometimes referred to as two-factor authentication, or 2FA) provides a stronger authentication method to access your account. 2-Step Verification will change the way you access your accounts by using an additional step to verify that you are the authorized account user when you sign in from a new or unrecognized device or browser.
2-Step Verification works similar to your existing sign in procedure but uses an additional step to verify that you are the authorized account user. When you sign in from a device or browser that isn’t recognized, you’ll be asked for a 2-Step Verification code that will be sent to you via a method that you choose during registration. The methods to receive the code are through Authy, a free app on your device; a SMS text message to your mobile phone; or through a voice call to your landline or mobile phone.
While the 2-Step Verification code works the same for both the web browser and Mobile App, there are small differences in the way your access will be authenticated with subsequent sign ins. With the web browser, you may choose to save a trusted device by checking the box next to "Don't ask for codes again while using this browser" which bypasses the 2-Step Verification. The Mobile App will let you configure an app passcode and you may also choose to use the device’s biometric feature, such as a fingerprint, if available. If you try to sign in using an unrecognized device or browser, you will be required to go through the 2-Step Verification to access your account.
2-Step Verification codes are sent to the phone number entered during Online Banking enrollment. If you need to access your Online Banking account without your phone or you are in a low coverage area, you can always choose the Authy app as your delivery method, instead of text or phone call. Authy can be downloaded across multiple devices, including your desktop computer. When you install Authy, be sure to sign in with the same email address and phone number combination used during 2-Step Verification enrollment.
Authy is a free app for your mobile device or desktop which generates secure tokens for 2-Step Verification.

To support the security measures we put in place to keep your data safe, we require the use of a modern browser. As new versions of browsers are released, our Online Banking platform will deprecate support for older versions. Below are the details for each supported browser.

  • Microsoft Internet Explorer - Support for version 11 ended on December 31, 2020. Any older version of Internet Explorer may be denied access to the platform.
  • Microsoft Edge - Microsoft Edge will be supported at the latest version only. The Online Banking platform may deny access to older Microsoft Edge versions 60 days after a new version is released.
  • Google Chrome - Chrome should automatically update and major updates are released approximately every 12 weeks. If Chrome is two versions older than the current stable channel version, our Online Banking platform may deny it access.
  • Apple Safari - Each year Apple typically makes upgrades to Safari during the fall. Approximately 60 days after a new version is released, our Online Banking platform may deny access to older versions. However, this change requires that the new Safari version is available on both MacOS and iOS devices.
  • Mozilla Firefox - Firefox should automatically update. If Firefox is two versions older than the current stable channel version, our Online Banking platform may deny it access.
Yes, we use cookies in conjunction with our online banking product to establish a unique session with your computer to prevent fraudulent and/or unauthorized access to your account. Our online banking product places three different cookies. These cookies are randomly generated strings and contain no member data. One cookie is used to manage the current online banking session and is only valid for the duration of the session. In addition, when clicking the “Sign Out” link, this cookie is invalidated on the server. The other two cookies are used as part of the “Don't ask for codes again while using this browser”  functionality. Additional cookies are used for website statistics in order to identify unique visitors. No member-sensitive information is stored within these cookies.
Unless your username and password have been compromised, your account and account information are still secure. If you feel your sign in credentials have been compromised, you can reset your username and password through Online Banking or the Mobile App at any time. Contact the Credit Union if you would like to de-authenticate your device or to disable all Mobile App access for your account. You can also deactivate devices from the Security settings when signed in.

While we recommend that you don’t access your accounts through Online Banking on a public or shared device (see, there are some things you can do to reduce your overall risk and safeguard your personal information.

When you sign in to Online Banking, make sure that you DO NOT check any boxes that state “Don't ask for codes again while using this browser” or similar, to ensure that you are not agreeing to save/store your password.

Dow Credit Union members who use Google Chrome should review their browser settings and make sure they are using Open a new tab, not Continue where you left off on Startup. This will ensure that other users of the public or shared device will not be redirected to the last page you visited when they re-open the browser.

Navigate to Settings, select On startup and select Open the New Tab Page (see screenshot below).

Also, whenever browsing any sensitive websites online such as online banking, it is a good idea to use Incognito Mode in Chrome or Firefox.

This will ensure that all cookies and active sessions are cleared when you close the browser.


Account, Loan & Credit Card

Navigate to your Profile then Settings, then choose Dow Credit Union to review account settings and ensure that you haven’t hidden the share/loan you wish to view (or transfer to or from).
Select the share/loan from the Accounts card on your Dashboard for transaction history.
The Available Balance may differ from the Actual Balance when pre-authorized transactions or unsettled deposits place a temporary hold on funds in your account. We encourage you to keep careful records and practice good account management. This will help you to avoid transacting without sufficient funds and incurring the resulting fees.
Navigate to your Profile then select Add Share/Loan to access the application center.
Navigate to your Profile then select Add Share/Loan to access the application center.
Access the Mortgage Solutions portal from the Apply Now button located on the Mortgage Loans or Home Equity Loans page at Or from your browser at Once you decide to request a Mortgage Pre-Qualification or select which mortgage loan type you want to apply for, you will be prompted to create a “Mortgage Application Login and Password”. The Mortgage Application logon is not your Online Banking logon.
Pending holds and ACH transactions can be located by viewing share history.
Your credit card transactions will not display in the Activity or Transaction sections at this time. To view your Visa Credit Card transactions, you may navigate to the Accounts card and select the Credit Card. From there, you can select Manage cards to be directed to the full Visa Credit Card management site.

To apply a payment to your Visa Credit Card from your account at the credit union, you can complete a transfer by selecting Make a transfer under the transfers section. You would then select your Visa Credit Card as the transfer to account.

If you would prefer to pay your Visa Credit Card from another Financial Institution or schedule the payment for a later date, you may navigate to the Accounts card and select the Credit Card. From there, you can select Manage cards to be directed to the full Visa Credit Card management site.

The link for YourRewards is not available within Online Banking at this time, but we are actively working to get it added as soon as possible. In the meantime, you can access YourRewards by going directly to the YourRewards site: (please be aware you would have to create a separate log in for this direct link) or you can contact the YourRewards company directly at 844-773-9273.


Select the Transfers menu, then select Make a transfer.
Select the Transfers menu, then select the accounts you wish to transfer to and from, input your amount, and then select More options to designate a transfer frequency and start date.
  • Web browser: Navigate to the Transfers menu, then select Transfer to a member. Select the account that you would like to transfer the money from. Enter the information of the member that you would like to transfer money to (first 3 letters of last name, member number (account number), type (Share for savings or checking), the share number (00 for Prime Share and 05 for Checking) and the amount you would like transferred.
  • Mobile App: Select Member transfer from the side navigation menu. Follow same steps as web browser.
  • NOTE: Future scheduled or recurring transfers to another member are not supported online at this time.
Yes, select the Payments menu, create the new payee (e.g. Add a company or Add a bill) and schedule the transfer through Bill Pay.

Deposit Check

The ability to take a picture of a check (with a U.S. routing number) for deposit to your account.
Sign in to the Mobile App, then select Deposit checks. Select which accounts you’d like to deposit into. Enrollment will be completed within two business days.
Sign in to the Mobile App then select “Deposit checks” from the side-navigation menu to begin the process. Enter the amount listed on the check and select which account you’d like to deposit to. Please sign the back of your check and write “For Mobile Deposit only at Dow Credit Union.” Then tap the screen to take pictures of the front and back of your check and submit to make your deposit.
There is currently no fee for depositing checks through the Mobile App. However, depending on the data plan with your wireless provider, you may incur charges when accessing the Internet. Please consult your wireless service plan for details or contact the provider.
Yes. Checks must have a U.S. routing number.
Yes. You are allowed to deposit up to $15,000.00 per day and up to $50,000.00 per month.
Up to the first $225.00 of your deposit will be available immediately. The remaining funds will be available by the end of the next calendar day.
As per the End User License Agreement (EULA): You should retain the original imaged item that has been deposited via the Mobile App for a reasonable period of time in order to verify settlement and credit or to balance periodic statements, but in no case beyond ninety (90) days from the date processed. You are required to properly destroy and dispose of such original item after such time.
You will receive an email when the check has been forwarded for processing. There is a chance it could still be rejected or adjusted, but if it does, you will be notified via the Mobile App within 2 business days.
Please call Member Solutions at 989.835.7794 or 800.835.7794, extension 4568.
It depends on the error message you receive. Make sure you have all 4 corners of the check in the picture, have good lighting, are holding your device at least 1 foot above the check, and that your device has the ability to auto-focus. Otherwise, your check will likely not be accepted. Some checks may not be formatted properly for our system and will require deposit via one of our other channels.
Due to nightly maintenance, the system may be temporarily unavailable when you attempt to make your deposit. Your deposit will be posted by the end of the next business day.

There are a variety of reasons why a check might be rejected:

  • You may have exceeded your daily or monthly amount limits
  • You may have already deposited this check
  • Poor picture quality
  • Any other Dow Credit Union rules (e.g. no checks payable to a business)

If you believe that this is in error, please contact us.

Generally, this occurs when the amount entered doesn't match the amount detected on the check.
If there was a reject reason that you were able to resolve (e.g. image quality, missing endorsement, exceeded daily limit), you should be able to redeposit. If your check gets detected as a duplicate in our system or was returned for any other reason after it was deposited, you will not be able to redeposit it via this channel.
It is a good idea to somehow note that you've already deposited it; however, writing "VOID" will permanently void the original check and will therefore make it no longer a negotiable instrument should your deposit get rejected during processing.
No. Check images are never stored on your device. Check submissions and deposit history are encrypted when transmitted to/from our secure server.
Our check processing vendor is located in the Central time zone.

Biometric Authentication

Biometric Authentication is an alternate method for signing in to the Mobile App that uses biological characteristics - rather than a passcode - to verify your identity.
No. Biometric Authentication can be used instead of entering your password at sign in, but you will still need to retain a valid password.