This error generally indicates that you have restricted the acceptance of cookies on your machine.   The DVCU uses what are known as session cookies. This means our cookies only track the state of the current session and do not gather any personal information. Change the setting on your browser to accept cookies, or if possible, to accept only session cookies and log on again.

If you have multiple account numbers, you must use a specific account number rather than your Social Security number to log into remote banking.

Your system may be trying to access our web site via your cache (temporary internet files) which are now outdated. First, try the refresh function of your browser. If that does not work, clear the cache files in your browser (see next question for details). If clearing the cache does not work, see if you are able to access any other secured sites other than ours (they start out https://).

In the event Remote Banking is down, you may be able to access your account via UltraAccess (the phone) using the same password at 602.548.8985 or 1.800.824.2377 and then follow the prompts.

To remove the cached files, clear the Temporary Internet Files folder. To do so, use the appropriate method:

Internet Explorer 4.0, 4.01, 5, 5.5

1. In Internet Explorer, click Internet Options on the View (or Tools) menu.
2. On the General tab, click Delete Files.
3. Then click OK.

Internet Explorer 3.0
4. In Internet Explorer, click Options on the View menu.
5. Click the Navigation tab.
6. Click Delete Files, and then click OK.

How to Empty Your Cache in NETSCAPE 4.0 or Higher

7. In Netscape on the MENU BAR, click on the EDIT option and select PREFERENCES.
8. The PREFERENCES box will appear.
9. To the LEFT there will appear a list of categories, double click on the ADVANCED category.
10. Still in the LEFT hand list of categories under ADVANCED three sub categories will appear: CACHE, Proxies, Smart Update.
11. Select CACHE from this list by clicking on it.
12. There are two 'types' of cache to be deleted: MEMORY CACHE and DISK CACHE.
13. Beside each type of cache there will be a box indicating the size of the cache and a button saying 'DELETE [Memory or Disk] CACHE'.
14. To empty each cache simply click on the DELETE button beside each.
15. You will be asked if you want to delete all files - select OK.
16. Select OK at the bottom of the window to set all your changes.
17. Close your browser and restart it to see the changes take effect.

How to Empty Your Cache in NETSCAPE 3.0

18. Choose the OPTIONS menu.
19. On the multi-tabbed dialog box that appears, choose the CACHE tab.
20. Now, click CLEAR MEMORY CACHE NOW
21. Then click CLEAR DISK CACHE NOW.

In order to view the IRA on your spouses account, you have to sign in under that account using that account number and password. Signing on your own account will not work because legally you are not joint on the Individual Retirement Account, although you may be beneficiary.

You can download your account history into MS Money and Quicken. If you have MS Money (97 or newer), click the Accounts icon. Click the View More icon next to the account type you would like to download. Click the download button, choose Microsoft Money as the Document Type. Choose all new transactions or input a specific date range. Click the Download button. When prompted, choose to save file to disk and accept the default name. After saving the file, you will be prompted to import the file into Money. If you have Quicken, follow the same steps as Microsoft Money, except choose Quicken for the Document type. When prompted, choose to save file to disk and accept the default name. Open Quicken and import the downloaded file (filename.qif)

The QIF file format specified that dates were formatted as a two-digit year. Quicken is unable to properly import transactions with a date in the year 2000 with only two digits. Intuit has recommended that a four-digit year be used instead of a two-digit year for QIF file formats. DVCU is making Intuit's recommended change to the Ultra-Access software. This change will format all dates in the QIF file download as a four-digit year. The change will be made as of December 31, 1999. This change will be compatible with Quicken 99 and Quicken 2000. It will not be compatible with Quicken 98 without a patch from Intuit. Click here for information directly from Intuit.

Sometimes installing new software in Windows can overwrite the file associations for other software. When this happens, you can follow these steps to open files types in any program you choose. Here's how:

1. In Windows Explorer, navigate to a file of the type you want to associate (GIF, JPEG, etc.). If needed, create a temporary file with the proper extension: From the Desktop, Right click and choose New, Text Document. Choose any name you like, but change .txt to .qif. When prompted to Rename, click Yes.
2. While holding the shift key down, right click on the newly created .qif icon.
3. In the pop-up menu, choose Open With. A box will open asking you to choose a program to open that file type.
4. Pick Quicken from the list.
5. Since you always want Quicken to open .qif files, put a checkmark in the box that says: Always use this program to open files of this type.

Instructions for Windows XP
1. Click on Start - "My Computer" - Tools - Folder Options - File Types
2. If QIF File Type already exists, and has not downloading correctly, then scroll down and select it, and then select "Delete".
3. Select "New"
4. Type ".qif" as the new file extension and click on OK
5. Select the newly create QIF extension and click on advanced
6. Click on "Change Icon" and Browse to: "C:\Program Files\Quicken\qw.exe". Click open and select one of the icons.
7. Create a new action by clicking the "New" button
8. The action is "open" and the application used to perform the action is "C:\Program Files\Quicken\qw.exe -x %1".
9. If the following error message is displayed :
"The specified program could not be found. Make sure the file name and path are correct."
then browse to, and select the Quicken location at C:\Program Files\Quicken\qw.exe. Then type "-x %1" (without the quotes) after the application location. Select "OK".
10. Select the textbox close to the Quicken Icon and type: Quicken Download
11. Select the newly created action and hit the enter key.

A copy of your credit report can be obtained from Equifax, Experian or Premier Informnation Center. There is a charge for every copy you request.

To re-establish your credit history, check out Consumer Credit Counseling Services.

To find the current exchange rates, click here. To find an ATM while on vacation, visit www.visa.com/atms.

Credit Union funds are insured. For more information on how credit union funds are insured, check out the National Credit Union Administration.

For information on student loans as well as information on loan balances and payment options, see SallieMae.com.

You simply add the balance for each day during the billing cycle and then divide by the number of days in the billing cycle. For example, you have a $0 balance for the first 15 days of the billing cycle and then make a $3,000 purchase on the 16th day of a 30-day billing cycle. Your average daily balance would be $1500.
([$0 x 15 days] + [$3,000 x 15 days] = $45,000 / 30 days = $1,500).