Frequently Asked Questions

You can find all the current Certificate of Deposit (CD) rates on our rates page.

To learn more about DATCU’s loan rates, visit our loan rates page.

There are several types of checking accounts that DATCU offers. Some checking accounts may have a monthly service charge, if applicable. Our most popular checking account is free checking. This account does not incur a monthly service fee. 

Yes. It is free when you sign up for e-statements; otherwise, it is $5.95 per month and a checking account is required. Learn more about this service.

The savings account alone does not have a debit card. However, if you have a free checking account you can withdraw money at the ATM from your savings.

There are several options available to our membership. We can do an auto transfer from the savings/checking. You can transfer a payment from your account in home banking. We can also debit an account from another institution through ACH. Members can set up ACH in DATCU Online and the mobile app. Members can also come to one of our branches and pay by check or cash.

There are also several convenient methods of paying your credit card bill. You can set up an auto transfer each month through online banking. You also can mail a check with payment coupon, or visit any one of our ten branch locations. Use this address for payment:

DATCU Credit Union
Attn: Payments
P.O. Box 827
Denton, TX 76202-0827

Visit one of our branches and we can reset your PIN.

When making a payment to the loan, let the teller know you are making an additional principal payment.

We make it very simple and convenient. If you do not have online banking, just sign-up for online banking where you will have the ability to make a payment from another financial institution through our online banking.

Yes, DATCU’s free online banking offers you a convenient way to monitor your accounts, view transaction history and balances, and also view all checks.

Sometimes this difference is due to debit card transactions that are pending and waiting to clear member accounts.

DATCU makes every attempt to make sure our members are receiving their statements and information in a timely and accurate manner. However, there are costs associated with mailing out statements and especially when the statements are returned to DATCU. A bad address fee is charged to an account when we do not have an accurate and up to date address for our members.

Visit one of the personal service representatives and we will look further into this.

311980725. You can find this number on the bottom of your checks.

You can apply for a loan online. However, at this time, you will need to come in one of the branches or open an account by mail.

The call center is better equipped to service the calls coming into the credit union. However, they can always transfer any member to a branch for additional information, if needed. Most branches are geared to servicing the membership that are coming into the branch and may not always have the time or opportunity to take calls.

There are no penalties; if anything, you will save money.

No. It simply adds a month to the end of your loan, extending the contract.

1. Use this link to Deluxe's site.
2. Sign in to online banking and select the checks tab.

Yes. You can access different accounts online. However, there are stipulations.

Once an authorization has been given, you will first need to try to solve the transaction dispute with the merchant. If dispute is not resolved, we will need you to come in and speak with a representative to try to dispute the transaction.

If paid by check, it will take 7-10 business days. You can request to receive and pick up the title in Denton, if payment is made by cash. This is not a frequent transaction, so approval must be submitted and the title department will need to be notified so that they can pull the title from the title vault area.

Wire to:
DATCU
5940 S Intestate 35 E
Corinth, Texas 76210
Routing# 311980725

Credit:
Member Name
Member Account#
Account Type: (Checking or Savings)

*DATCU CHARGES A $5.00 FEE ON ALL INCOMING WIRES

Need to take a payment break? It's OK with us.

Want to skip a loan payment? Our valued Texas members don't owe us any explanation. Dealing with a light paycheck or heavy medical bills? We've all been there. Buying holiday gifts or treating yourself to a trip? Bon voyage. Just resume your loan payment next month, and we'll consider things all square.

Product Features

• A Few Restrictions: Sorry, credit card and mortgage payments aren't eligible.
• Breathing Room: We understand that sometimes finances get tight.
• Do It Annually: You're allowed to skip one payment per loan per year.
• No Processing Fee: There's no charge for taking advantage for this perk.

Lighten Your Load

Anyone can face a temporary financial crunch. That's why DATCU has a Skip-A-Payment program that puts extra cash in your hand for gifts, a special trip, or unexpected expenses. To be eligible, you have to have made 12 payments on your loan. If you make loan payments via Payroll Deduction or Direct Deposit, your skipped payment will be deposited into your savings account. If you have credit insurance, the original terms will remain the same.

How to Join

• Use our online resources
• Speak to a DATCU team member
• Visit a DATCU branch

1. Follow the link on this page.
2. In the section for ACCOUNT ACCESS/LOGIN NAME, click NOT REGISTERED
3. Follow instructions (steps 1-4) to create login information and make security selections.

*You will need your Account Number to sign up for online banking-If you do not have this information, please call 940-387-8585 for that information.

1. Download the DATCU app to your smartphone or mobile device. (Free in the app store under DATCU.)
2. Use the same username and password used for DATCU’s Online Banking.

*You must be registered for DATCU’s Online Banking. If you do not have this information, please call (866) 387-8585 for that information.

1. Follow the link to online or mobile banking on this page.
2. Select the STATEMENTS tab.
3. Click Enable All.

1. Follow the link to online banking on this page.
2. Select the STATEMENTS tab.
3. Click View.
4. Select the month you would like to view.

1. Sign in to DATCU Online.
2. Click on the Payments tab.
3. Click on EXTERNAL PAYMENTS located in the dark green bar just under the tab.
4. On the next screen, click on "FROM EXTERNAL ACCOUNT"
5. Click View External Accounts.
6. Click the "Add Account" to add bank information.

1. Sign in to DATCU Online.
2. Click on the Payments tab.
3. Click on "FROM EXTERNAL ACCOUNT" 
4. Choose the "FROM" account in the drop down menu.
5. Choose the "TO" in drop down menu.
6. Enter the amount.
7. Click the slider to select if you want it be a recurring Payment.
8. Select "Payment Date"
9. Click "Make Payment"

*Once the payment information has been saved, the scheduled payment will show under the EXTERNAL TRANSFERS section.

Due to the large number of applications received, only the most qualified candidates are contacted.

Yes. Applications are kept on file for one year.

If a position is posted on our website, it is open, active, and the interview process may already be underway. If a particular position is no longer posted, it has been filled or is no longer available.

All job offers are contingent on the results of your criminal background check, credit check, pre-employment drug screening, and previous employment verifications. Financial institutions have specific regulations on hiring with which we must comply.

If you are an individual with a disability and would like to request a reasonable accommodation as part of the employment selection process or have additional questions about the application requirements or process please contact jobs@datcu.org.