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DIRECT DEPOSIT 
Direct Deposit is a safe, reliable service that lets you arrange to have your paycheck, social security check, or retirement check deposited automatically into your account. Most members on Direct Deposit have their check deposited automatically into their DCFCU checking account each payday, there is no need to stand in line to deposit your paycheck, and your funds are available immediately for check writing or ATM withdrawal. Direct Deposit is an excellent time saver. Funds are deposited directly and automatically to your checking or prime share accounts, and portion may be applied to meet Credit Union loan payment obligations. Free Benefits with Direct Deposit... Any member who signs up for Direct Deposit of their Paycheck, or Direct Deposit of Government or Pension checks will receive FREE checks and a FREE Master Money or ATM card. Contact your employer´s payroll department to sign up for Direct Deposit of Paycheck or Pension. You can sign up for Direct Deposit of Social Security, or other Government checks at the Credit Union office. ATM CARD (AUTOMATED TELLER MACHINE 
For basic ATM convenience Downriver Community Federal Credit Union issues ATM cards that are accepted at most ATM´s nationwide. Your Credit Union ATM card enables you to make withdrawals, deposits, loan payments, transfers, balance inquiries, and advances on your DCFCU line of credit. DCFCU ATM cardholders enjoy no "surcharges" (different than "service fees") through DCFCU´s own ATM´s. Most ATM´s bearing the SC24 network logo are also free of "surcharges". 
An "electronic check card" and ATM card ALL-IN-ONE! You can use your Master Money card in ATMs to access your Credit Union checking, prime shares, special savings, and line of credit accounts. Plus, you can enjoy "debit card" convenience by using your Master Money card as an "electronic check card" when making retail purchases, as long as the merchant accepts MasterCard.
You'll have the freedom to buy what you need with the peace of mind in knowing that any funds that exceed your checking account balance will automatically be drawn from your existing overdraft accounts, such as Line of Credit or Savings accounts to cover the purchase.
PAL provides convenient, automated access to your accounts from any touch tone telephone 24 hours a day, seven days a week! It is safe to use because you must enter your exclusive Personal Identification Number (PIN) along with your account number to gain access. PAL is great for making balance inquiries; confirming that specific checks have cleared; verifying payroll and electronic funds postings; requesting withdrawals from savings, or advances on line of credit loans; transferring funds between accounts; and much more! PAL@NET ONLINE ACCOUNT ACCESS PAL@net brings you easy, convenient access to your DCFCU accounts from work, home, or anywhere with a personal computer and Internet connection. Right from your desktop computer, PAL@net enables you to:
For Service Center locations and hours:
Credit Union Family Service Centers Toll-Free Hotline: 1-800-800-9700 All locations have 24-hour ATMs.
NATIONAL SHARED BRANCHING More Locations, More Convenience
Your Credit Union membership just got even more convenient! We are now participating in National Shared Branching, a cooperative effort which allows you to access your Credit Union accounts at over 600 Credit Union Service Centers and outlets in 33 states. Whether you´re across town or out of state, you can now use participating branches to conduct financial transactions such as:
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