DFCU Financial is closely monitoring the COVID-19 situation. Our top priority is the safety of our staff and our members.

Answers to some common questions are below, and if you're facing a hardship due to COVID-19, please check this page for options.


PLEASE NOTE: Our hours have changed. Click the button below for the latest information.

Branch Information 

Federal Stimulus Payments

Please consult the IRS's website for information on eligibility.

DFCU is unable to predict when an individual member may receive his/her stimulus payment. People who have direct deposit set up with the IRS have already started to receive them. This entire process can take from two weeks to four months, so eligible members may receive them at different times.  Please use DFCU Online to monitor your accounts for any deposits. 

If you're eligible for a stimulus payment but don't have direct deposit set up with the IRS, you'll receive a paper check in the mail. Once you receive that, you can deposit it safely using Mobile Deposit in the DFCU Online app.

You can set up a direct deposit relationship with the IRS at this web address.

If the account is open, the payment will still post to that account. If the account is closed--and we've not been notified--the payment will be returned to the IRS and it may be two-three weeks until it's resent. 

For further details on this, please visit the IRS's site.

If you're a retiree or on disability, you are eligible to receive a relief payment as long as your total income does not exceed the limit. The U.S. Treasury Dept. has stated that even if you don't normally file a tax return, you will automatically receive the payment. You do not need to file any additional forms.

For answers to all other questions regarding COVID-19 stimulus payments, we encourage you to visit the IRS's website, which you can find here.


DFCU Financial members have access to 1,700 fee-free ATMs in Michigan and nearly 30,000 nationwide (through the CO-OP Network) so you can withdraw cash from your savings or checking account free of charge. Some stores also let you withdraw cash free of charge at the point of sale.

You can also reduce the need for cash by using your DFCU debit or credit card. And don’t forget you can transfer funds between your accounts from the comfort of your own home with DFCU Online or via Telephone Banking.

You can deposit cash or checks at any of our ATMs at any time, or at our drive-thrus during business hours. If you have a smartphone, you can deposit a check just by taking a picture of it. Try the Mobile Deposit option within our Mobile Banking app.
The fastest way to make your loan payment is via DFCU Online. Click on the loan from your Accounts page, and transfer funds from your checking or savings account. If you’re not able to make a payment online, please give us a call during business hours at 888.336.2700 and we’ll be happy to help.
The easiest way to get a new card is to call the Member Service Center at 888.336.2700. Cards usually arrive within five to seven business days, but can be rushed for a small fee. 
Wire transfers can be handled via DFCU Online by uploading documents and ID, or via mail with copies of the form and ID (please call 888.336.2700 to start the process).
Our friendly Member Service Reps are here to help Monday - Friday 9 am - 5 pm, and Saturday 9 am - 2 pm.


Please check this page for the latest branch updates regarding services and hours.
Follow this link to make an appointment at the open branch nearest you, or call 888.336.2700. Please note that priority appointments will be given to those with urgent business, and remember many of our services are available online.
Due to the increased traffic in our drive-thru lanes and at our ATMs, we have enhanced our cleaning protocols. We are working diligently to keep our members and employees safe during this time, but encourage you to use wipes or wear gloves as you see fit.
Definitely. For personal loans, Home Equity Loans and Home Equity Lines of Credit, it’s easy to get started. Apply online for an instant loan decision.

For mortgages, click the “Apply Now” button associated with the loan officer nearest you.

Or, if you'd like to speak with one of our Member Service Reps, feel free to call 888.336.2700.

Online/Mobile Access

It's easy. Just head to our Online banking enrollment page. You’ll need your member number and the last four digits of your social security number. Call us at 888.336.2700 if you need help.
Follow the steps for Enroll Now and select “I have an access code” and follow the instructions for changing. Call us at 888.336.2700 if you need help.

If you've forgotten your password, you can reset it by clicking here.
DFCU Mobile, our easy-to-use app for iOS and Android devices, seamlessly integrates with DFCU Online so you can quickly and easily deposit checks, transfer funds, pay bills and check balances using your mobile device. Other features include secure messaging and customized phone and email alerts. DFCU Mobile also offers touch authentication and facial recognition for appropriately enabled Apple iOS devices. It's available on Google Play and the App Store...just search for "DFCU Mobile."
Mobile Deposit is a service that allows you to deposit a check simply by taking a photo of it with your smartphone or tablet. The image is transmitted electronically to us, and your funds are deposited without you having to visit a DFCU Financial branch.

It's easy to use:
  1. Endorse the check, and make sure to print "For mobile deposit only at DFCU Financial."
  2. Open the DFCU Mobile app.
  3. Select Menu, then select Transactions, then select Mobile Deposit.
  4. Select the account where you would like the funds to go and type in the amount of the check.
  5. Select Capture Image, then take a picture of the front and the back of the check.
  6. Review your pictures and retake them if necessary, then select Submit Deposit.
You're eligible to use Mobile Deposit if you:
  • Have accessed DFCU Online and accepted the DFCU Online Access Agreement
  • Have been a member for 30 days or more
  • Are on an active account
  • Are 14 years of age or older
  • Have an aggregate deposit balance of $500 or more
  • Live in the United States
Additional restrictions may apply. Please call 888.336.2700 if you need assistance.

Other Questions

As always, we strive to put our members' needs first, and are willing and ready to support those who are facing financial hardship due to illness or loss of employment.

Please review our COVID-19 Relief page for some basic information. We have a dedicated team of professionals ready to speak with you. If you need assistance, please call us at 888.336.2700 and we'll be happy to discuss options.

These phone calls are not from DFCU Financial. We do not proactively call or email members asking for personal information.

Members should be mindful of phishing calls or emails about the Coronavirus (COVID-19) situation. Phishing is when a fraudster poses as a legitimate company in an attempt to acquire personal information.

If you believe a phone call could be phishing, please immediately terminate the call and contact us at 888.336.2700. If you believe you have received a fraudulent email that claims to be from DFCU:

  • Do not reply to the email.
  • Do not click on any of the links in the email.
  • Monitor your account and call us right away if you notice any unusual activity.
In trying times like these, small actions make a big difference:
  • Practice social distancing and stay six feet away from others
  • Wash your hands for 20 seconds frequently, and try to avoid touching your face
  • Stay home as much as possible
If you can, try to support local businesses and restaurants by ordering take-out. To reduce potential exposure, please consider using your DFCU Financial debit card or credit card for purchases. And most importantly, stay healthy!


A few words from our president & CEO, Mark Shobe:

Access to Your Money and Financial Strength

Dear Member:

You likely have observed that many businesses have been required to close. DFCU Financial remains open to serve your needs because banking services are considered “essential” to the American consumer.

DFCU Financial is a 70-year-old company that most recently has benefited from ten years of economic growth and prosperity. As a result, we are in an extremely strong financial position. This enables us to remain open, and means there is no need to be concerned about the safety of, or access to, your money.

Consistent with the CDC's effort to institute social distancing, DFCU encourages you to use technology such as ATMs, our website, our mobile banking app, and the call center to service your needs. We are trying to limit in-person interactions at the branches whenever possible.

As always, we strive to put our members' needs first, and are willing and ready to support those who are facing financial hardship due to illness or loss of employment. We have a dedicated team of professionals ready to speak with you. If you need assistance, please call us at 888.336.2700 and we'll be happy to discuss options.

Thank you for your continued loyalty.


NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Unauthorized attempts to upload information and/or change information on this website is strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec.1001 and 1030.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 888-336-2700 for assistance. Also, all products, services and information available on this website are also available at any of our physical branches, where we would be happy to assist you further. Click here to view our Accessibility Statement.

DFCU Financial - Copyright © 2020 - Dearborn, Michigan - All rights reserved

While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2007, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $25,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA account, and that it be open when Cash Back is deposited. Cash Back to Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.