Frequently Asked Questions

Remote Banking Information FAQs

When I attempt to log on to Remote Banking, I receive the following error message: "There has been a problem during transit. Please try again. If you still get the same error, Please sign on again." Or, "Your browser may not be supported."
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.
When I access my account via remote banking, since I am joint on my spouse's account, I can also view account information. Why isn't the IRA (Individual Retirement Account) also included for me to view on my spouses account?
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.
Can I download my account history from within Remote Banking?
Yes. You have the option of downloading from within remote banking, or executing this process from within your software application. From within remote banking, you can download your account history into Quicken, QuickBooks, or Excel. Technical support is available on current-year versions and the previous two years' versions.

1. In remote banking, click the account type you would like to download.
2. Click the Download Transactions button.
3. Choose your preferred Document Type, typically;
- QFX for Quicken
- QBO for QuickBooks
4. Choose all new transactions or input a specific date range.
5. Click the Download button. This will open your application and import the transactions.
Where can I set up eAlerts?
In remote banking, click on the eNotify link at the top. From there it will walk you through each step. If you have any issues, we are here to assist you.

If you have a DVCU debit card, you are automatically enrolled to receive fraud alerts. Full details are available here.
If I set up a debit card alert, will an alert be sent each time a debit card transaction debits my account?
You will receive a debit card authorization alert when a signature debit transaction is made. You will then receive a transaction alert when the transaction actually clears your account. Each alert is marked as either an authorization or transaction alert, and the content of the message vary slightly based on which type of alert it is. For POS (PIN) transactions, you will receive an alert when the transaction is complete. Since POS transactions happen so quickly, there is no need to send an authorization alert.

eAlerts Information FAQs

Can I set a dollar limit in the alert so I won't be notified unless it was for a predetermined amount (example $500)?
Yes. The only limitation is that all the cards on the account are subject to the same limit.
Will I receive alerts for transactions made by any joint accountholders or other authorized signers on accounts linked to my card?
Yes. All debit and credit cards associated with the member number will generate an alert based on the threshold you choose during the alert setup. The alerts you will receive will not contain any information on which card was used for the transaction. Please review your account for detailed information about your transaction history.
I received an authorization alert and now have a hold on my account. What is an Authorization hold?
When your Available Balance is less than your Balance, it may be due to an authorization hold. This is the practice within the financial industry of authorizing electronic transactions done with a debit or credit card and holding this balance as unavailable, either until the merchant clears the transaction (also called settlement), or the hold "falls off". Authorization holds for both debit and credit cards will fall off the account (thus rendering the balance available again) in three days after the transaction date. Signature based (non-PIN based) credit and debit card transactions are a two-step process, consisting of an authorization and a settlement.
How do I enroll for eStatements?
Log on to our secure site by visiting http://www.dvcu.org 1. Click on the remote banking icon in the upper right hand corner of the home page.
2. Input your member number or login nickname and finish the logon process.
3. Click on the Past Statements Link located in the upper right side of the screen.
4. Click on the button that states "I prefer eStatements".
How will I know when my eStatement is ready to view?
You will be sent an email alert informing you it is available.

eStatement Information FAQs

Where can I view my eStatements?
To view your statement log on to our secure site by visiting http://www.dvcu.org
1. Click on the remote banking icon in the upper right hand corner of the home page.
2. Input your member number or login nickname and finish the logon process.
3. Click on the Past Statements Link located in the upper right side of the screen.
4. Choose View or Save for the statement you want to access.
What are the benefits of enrolling for eStatements?
You will receive your statements days earlier than postal mail delivery. eStatements are more secure, as your account number is not at risk for mail theft. You get the additional benefit of receiving eLetters, versus paper letter notices. You have access to your statements when traveling, via the internet. You can save all your electronic statements on your PC, reducing paper clutter. You also have the option to print a paper copy when needed.
When are eStatements normally available to be viewed?
Typically the day after statements cycle. Regular monthly statements cycle on the last day of the month, Visa statements on the 18th, and Home equity LOC on the 23rd. Delays can occasionally occur.
How do I know if I have successfully enrolled in eStatements?
You will receive an email alert when your statement is available. If you experience any technical issues, we will be happy to assist you.

Miscellaneous Information FAQs

Why can't I access your web site? When I tried to access the site, a message came up that said I couldn't access at this time. When I contacted the credit union at a later date I was told the problem had been fixed but I'm still getting the same message.
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. 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.
Where can I get a copy of my credit report?
A copy of your credit report can be obtained from Equifax, Experian or Premier Information Center. There is a charge for every copy you request.
My credit history is not very good, where can I get credit help?
To re-establish your credit history, check out Consumer Credit Counseling Services.
Where can I find the foreign exchange rates and other ATMs when I go on vacation?
To find the current exchange rates, click here. To find an ATM while on vacation, visit www.visa.com/atms.
The safety of your funds on deposit at DVCU
Many of you have been following the recent news about the troubles of Fannie Mae and Freddie Mac as well as the closure of numerous banks and credit unions nationwide. You may also have heard CNN reporting that some Money Market Funds are not insured and that the public needs to be cautious of their funds in Money Market accounts. CNN is speaking about investment firms such as Fidelity, Janus, Vanguard and other such investment firms. Deer Valley Credit Union's money market accounts are considered "shares" in our institution and are covered by our NCUSIF (National Credit Union Share Insurance Fund).

We would like to provide you, our members, with some reassurance about the financial security of funds deposited at Deer Valley Credit Union. DVCU is adaquatly at 6.85% (as of March 31, 2012). Per NCUA's definition, an adaquatly capitalized credit union maintains capital at 6.00%. We are able to withstand fluctuations in the economy.

As the NCUA Share Insurance site explains, the shares in Deer Valley Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF), where not one penny of insured savings has ever been lost by a member of a federally insured credit union. Your savings are insured to at least $250,000 and backed by the full faith and credit of the United States Government.

You can also utilize the NCUA Share Insurance Estimator or contact our office at anytime to discuss how secure your funds are at Deer Valley Credit Union.
How do you calculate the average daily balance?
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).
What is DVCU's Routing Number?
Our Routing Number is: 322172807