Online Banking (PAL@net)


Online banking brings you easy, convenient access to your DCFCU accounts from work, home, or anywhere with a personal computer and Internet connection. Online banking enables you to:


To sign up for online banking, click here.


Desktop Banking has been developed to function best with Microsoft Internet Explorer 6.0 service pack 1 or higher. You may obtain it at Do not use BETA versions please. MAC users with Safari browsers, please use the Microsoft Internet Explorer provided to you.


One of the main concerns we heard from members as we developed this product was privacy of transaction data as well as protecting the Credit Union's internal network and member data.
NOTE: If utilizing online banking via TCP/IP we recommend placing behind Firewall or DMZ. We Also recommend site authentication via Network Solutions utilizing port 443.Explanation to follow:

Member Security
For the member's protection of confidential data, internet desktop banking employees two forms of security:

1. Dual Pin/Password verification
2. 128 Data Encryption.

The Credit Union has the option to utilize 1 or both although N.C.U.A. would highly recommend implementing both security measures.

Dual Password Protection requires the user to enter a password, in addition to A "PIN" number to ensure account information is not accessed by any unauthorized users. We require this of our membership so to provide another form of defense thereby ensuring secure transactions to your accounts.

Data Encryption is a process which transposes account information which is sent from our host server to your browser. The coded data cannot be interpreted or altered without using a defined "key". The "key" deciphers the information from our server which in turn allows you to view your account information securely at your desktop.
Currently the level of RSA data encryption that our server will provide is 128-bit.  128-bit encryption is the highest form which is available with Internet Explorer 5.5 SP2 and is the recommend data encryption to secure all your transactions.


The second facet of our security is protection of the Credit Union's internal network and member information from access by unauthorized internet users. (Host to server is strictly via a serial connection unless utilizing TCP/IP then a firewall is required as discussed above) Internet transactions are routed to the Credit Union from the client via a T1/FRAME RELAY/ISDN or dial-up connections. When requests reach the Credit Union router, the traffic is either sent to the home banking server (a specific, secured port address), or to a proxy server. The proxy server allows us to isolate our local network from the public Internet. The online banking server is connected via a serial port or TCP/IP to the main computer that houses the account information. Only a valid transaction request from the member via a pin and password can cause information to be downloaded from the Credit Union host computer back to the client via the internet. Utilizing these methods will disallow unauthorized access to our network including all member information. The online banking server stores no Pin, Password or specific account information what so ever, it is solely a pass thru via a serial connection from the host server, unless utilizing TCP/IP it then will be defended via a proxy/firewall device.

NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency.
Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act
Equal Housing LenderNational Credit Union Administration