Digital Federal Credit Union

This is the best bank ever! To start off, this location has a coin machine inside. If you are a DCU member this is awesome! You can have all your coins counted and it takes nothing away from you.
The bank is always clean. Not once have I gone into this bank and saw trash everywhere. Even around the coffee machine, it’s always clean!
The staff is why I love this bank so much. The tellers are all awesome and have such awesome personalities. They really seem to care about their members. When I finally got my new car, they all were dying to come out and see it. I cannot ask for a bank with better staff.
Dcu has free checking and savings so if that doesn’t make you want to go here, I don’t know what will! Take a stop by this bank, it is worth it!

I joined DCU a few months ago. I love the rates and programs that they have to offer. I have another account with Boa. I am planning to close that account to do business with DCU.
Very good credit union

DCU Is the worst, I can’t imagine what they would do with a young person who doesn’t check their statements…
1) dealing in Massachusetts they know the insurance carrier adds the lien holder at the time they Stamp the registration… With that DCU would then be notified if the Insurance coverage changes…
2) They added $ 8386.00 and changed my interest rate to 18% and never changed my automatic payment… What a horror show that would be straightening at the end of the loan. They never notified me of the pending charges…
3) They stated they refunded the complete insurance upcharge, only when pressed they stated only a small charge of $ 200 remained. They finally removed the last $ 200
4) They added a $ 100 admin charge after the stated all charges were reversed.
5) They misled and omitted information on every call.
6) I received my first statement after my 5^th automatic payment was made. (I guess after their dirty work is done they will send you statements…)
7) A representative told me in December all correspondence were e-​mailed, In January they told me they were mailed… I received my first statement ever from DCU in January… You decide.
8) I’ve bought at least 35 new vehicles in my life, DCU is the first lending institution to charge me with insurance. I just now forgot how to register a vehicle?
Beware!!! They suck you in with a great auto loan rates and add thousands to your loan and don’t tell you. Pay careful attention to your balance… I can’t imagine the nightmare at the end of the loan trying to figure out where the extra $ 9000. in charges came from 4 years later.
I bought a new F-​150 and registered it in Massachusetts. I provided all documents they requested and the dealer carried the paperwork to my insurance agent and on to register the truck (any Mass resident knows the Insurance company registers the lien holder at that time) after all that’s why the dealer carried the paperwork… I signed up for automatic payments and all is well, so I thought on 08/​01/​2015.
I received NOTHING from DCU… No Statements, NO Letters… NOTHING. Every month I check my bank account to verify my payment was being deducted… THEY Were…
NOW THE DECEIT FROM DCU… On or about 12/​09/​2015 I signed into my DCU account and noticed I owed $ 4500. more than I borrowed. Shocked I called and spent about 20 minutes on the phone. They said I never notified them I put Insurance on the truck with them as the lien holder so they added $ 8386.00 on to my account. I talked to the insurance dept and it seemed like everyone else at DCU and they said I was all SET!!! They LIED… They took most of it… They left a $ 200. charge for the first few days I owned it… More calls to everyone involved and the removed the last of THAT charge…
I asked if there was any other charges put on my account and they assured me there was none… THEY LIED again…
Five days later I checked my account again and saw where they took the $ 8386.00 charge off and added $ 100. admin charge…
AGAIN I called and they took that charge off and AGAIN I asked if there was any other charges or extra interest charged to my loan because of the bogus charges and AGAIN they said NO… They LIED AGAIN. I know, I know its hard to keep track of all their deceit and lying… THEY SUCK… BUT WAIT… there’s more… In January I received my FIRST statement from them AFTER my 5^th payment was made and noticed they charged me interest on the inflated balance so I called them again… They couldn’t help me with the extra interest they charged me… but they did tell me they also charged me 18% interest on the inflated balance…

I began my refinance process on October 8^th. The initial process went very smoothly. Submitting all the documentation on line was easy. I felt this was going to be great. Then the communication stopped. It’s now 1÷19÷16, I have no closing date in sight. Keep getting told that we’re «almost there», but I am losing interest. I do hate giving negative feedback as I really enjoy their new online services and regular banking transactions. I will update if I learn anything new. I’m almost tempted to just start over with another institution.

First off, I hate giving a bad review. It’s not something I take pride in at all, but in this case I feel that others need to be aware.
I recently got married and my husband opened a money market account for us to share. He then sent me a form which I needed to complete in order to be added as a joint owner. We were trying to do this quickly so that we could process a refinance.
First issue: When we called and inquired we were told that there is an affiliate in Denver, where we reside, at which we could get a joint owner added. We took our lunch break and the completed form, walked across town and found out that you could not add a joint owner at an affiliate location.
Second issue: On ¹¹⁄₂₄ I went ahead and submitted the completed form via email in hopes of completing the process. I received an email on ¹¹⁄₂₅ that was the original recipient forwarding the form to another section of the bank for processing. On ¹¹⁄₃₀ I followed up to see status and heard nothing back.
Third issue: On ¹²⁄₂ I heard back that a single line on the form hadn’t been filled out (the information needed for the line was at the top of the form) and that they were unable to process. Instead of letting me work with the person who reached out I was instructed to start the online submittal over. Yet again sending my private info to either a shared email inbox or a general fax line.
Fourth issue: On ¹²⁄₄ I re-​submitted the forms never to hear anything again. On ¹²⁄₇ my husband received an email letting him know I was added as a joint owner on the account. I attempted to set up an online login, as no instruction was provided, and failed. So I called the number provided in the email.
Fifth issue: Once I was connected I had to answer a stream of questions about both myself and my husband because I did not have his PIN or password (he would have shared but as we both work in tech security we are highly sensitive to bad security practices and as such we share no password information — it’s a very bad security policy). When asked what I was trying to accomplish I stated that I just needed a copy of the statement to provide for a refinance. The customer service representative informed me that I would not be able to do that over the phone but that I could login online. I asked to please have her assistance in setting up an online profile and was informed I would have to share my husband’s. There is NO way to setup a separate password/​PIN from his to access just the money market account. But if I leverage his it would give me access to not just the money market account which we wish to share, but ALL of his accounts — none of the others am I a joint owner on.
It is now ¹²⁄₈. A process that was started on ¹¹⁄₂₄ to simply get me added to a single joint money market account so that I can print a statement for our refinance… is still not complete. Additionally, I’m no longer comfortable with the security practices of this organization. Such a frustrating experience.

I got an auto loan from DCU and I loved the experience because I did not have to visit the physical bank. This was a deal breaker for me because an other credit union RBFCU asked me to visit their branch to be a member and proceed with the loan.
I was referred by a friend to DCU, uploaded documentation online and got the cheque the next day through Fed Ex over night shipping which was great. The whole process was smooth. I work weekdays and I was trying to purchase a vehicle and could not visit the branch during week days and I am lazy to do anything on week ends. The whole online process was excellent.
I recommend DCU for their ease of business and Auto Loans.

This is one of those ”if I could give them negative stars I WOULD” review. I don’t even know where to begin. I applied for a classic vehicle auto loan — they approved my application for $ 25k, or up to 90% of the value of the vehicle. I put down a $ 500 dollar deposit on the vehicle based on this approval. I submitted all of my paperwork, and at that point, I was told an appraisal of the car was required. Sure, no problem, I thought. I asked for a list of approved appraisers — they denied the request and wouldn’t offer any guidance in that department. OK… cool, I did my research and found a verified licensed appraiser, with over 30 years of experience, his specialty being classic cars. I fork over $ 375 for him to complete the appraisal within a few days so that I can submit the paperwork to DCU. They call me once I sent the papers and say the loan is actually not approved after all — without any justification as to why. When I asked for assistance in figuring out why the sudden change in the approval status, the Rep eventually just says ”I’m not getting into this with you.” OK… thanks for the help. Finally a Manager gets on the case and mentions that there are no pictures of the car in the appraisal document — I say that I have them, but the Rep never told me those were also needed. Some communication would’ve been nice as to what to expect here, right? I submit the photos and at that point also submit a national third party vehicle inspection report from LemonSquad (which is $ 275 dollars). DCU at that point requests that I resubmit my drivers license photo because the last copy was too shiny — OK… sure, I’ll do anything it takes since I’m already down 600 dollars based on DCU telling me I was approved. Bear in mind, DCU never said I was PRE approved, they said I was indeed approved for the loan. Then they ask the dealer to provide the title and VIN information. Suddenly, I receive a call from DCU saying the loan is denied about an hour later. At this point, they wouldn’t offer me any explanation as to why. When pressed to speak to another Manager, I was told it’s Friday at 5pm and none are available so tough cookies. Then I’m told the request is officially denied in the system and there’s nothing I can do about it. When pressed even further, they said there were some inconsistencies but would not offer any examples or explanations. I understand sensitivity of this information\data, but this entire process has been a complete nightmare. I’ve dealt with mortgage lenders, as well as other car lenders, and have NEVER experienced such horrible service. Thanks for nothing DCU. You wasted my time, and my hard earned cash.

I opened a car loan account with them and had to close it within a week as they do not do direct transfers and only do checks. That is where the nightmare started. Even though no Loan Account existed any more they still kept ACH payments withdrawals from my linked BOFA account. You would imagine that would be cancelled automatically. After 2 withdrawals & even after complaining and trying to get the issue resolved they were at a loss. Finally had to close my account there. Very immature banking system and definitely not ready to compete with the more mature banks.

I would give negative stars if possible. I had a complaint about the Lexington, Ma branch. I called the 800 number and initially the rep was nice. He was backpedaling about my experience at the branch. But when I said that DCU seems like the type of company that DOES NOT care about the community they are in, he hung up.

I painfully refinanced my house using DCU. The initial web site application process seemed smooth, but once I began interacting with the mortgage officers and administrators, things went south quickly. Extremely poor communication throughout every step of the process. I now have a mortgage through them, yet two months later, have not received any information about how to access my mortgage online. I guess I’ll just trust that they are receiving my payments? Do not use this bank for mortgages.

I just switched my personal banking from Bank of America to DCU like I did with my business last year. Jocelyn at the Franklin branch was so helpful and professional while setting up my accounts, credit cards and debit cards. She also set me up with online banking and the app on my phone. The whole experience was really good. My two favorite things so far about DCU is that I can call up and speak with a human being immediately and that their schedule of fees for my checking account was less than one page. I am so glad to be a member!

Their customer service is horrendous. I don’t live in MA and have only interacted with their reps on phone. They have so much attitude that it’s unbelievable. They give a nonchalant treatment to any concern or question. I also tried applying for Mortgage with them. The rep started an application and pulled my credit without informing me when all I needed was a good faith estimate. Then the mortgage rep, Peter assigned to my case was complete DB. I decided to get mortgage with another company just because of their pathetic customer service.

EDIT: After more than enough great experiences to make up for their money transfer service it’s safe to say that DCU deserves a 5-​star review from me. Keep it up DCU! I will continue to use them for all of my finances from here on out.
ORIGINAL: I would say I’m overall pretty happy making the switch to DCU. I refinanced my auto loan for the sake of ease, being that my last auto loan was through my credit union that I had while living in California.
I probably would’ve given 5 stars if it weren’t for the POP Money transfers. By far the worst banking experience I can recall and I have no idea why they even use this third party service. On two separate occasions I tried to transfer money to a friend and they both didn’t work. Both times they kept the fee for failed transactions. Wtf?
Please get rid of this horrible money-​transfer service!!!

The Banking part of DCU is Great and I like the fact the I can get my check Two days before pay day But there Mortgage people are rude and not very nice and they take days to call you or email you back and if something go’s wrong your always at fault not them I think next time I need a Mortgage I will Definitely Go somewhere Else

Phone customer service is very poor; they give you different information than what you get in a branch. Bill pay system is out of date. Month statement is quirky since copies of the checks are not included in the PDF file; you need to download two files to get the statement and then the checks. Landlord tenant account system is horrible. They require that you come into a branch to deposit or transfer any funds.
For simple checking and savings, this bank is fine. Overall, however, I would not recommend this bank.

Hi, I want to share my very bad experience with DCU credit card. I accept it is a easy card to get it and low interest rates. But their services are awful. I use their mobile (android app) app to monitor my dcu accounts (loan, credit, savings). The first screen after you login will show you all accounts with Balances. However they are not total balances you need to pay/​have in your account. They are principle balances, which means any interest amounts you need to pay will never be shown there. You can see then in next page, after u press on account number. So once time i missed to pay my interest of 0.7 usd, as there is no principle balance to pay. And i requested (couple of times) them to remove the late fee of 1.3 usd, and don’t report it to credit credit beauro But they never had patience to listen to me, and calling it as my mistake even after explaining so much, what their mobile app bug is.
At the end of day, it is always same, what you get is for what you pay. Low fees, because of low quality products and services.

I had a car loan through them for like 3.5 years due to the low interest rates. I paid off the loan a month ago and called because I never got my title. They told me conflicting dates for dates they informed the DMV that they released the title. The employee told me 3÷2÷15 and the manager got on the phone told me 3÷9÷15. They told me they could not provide any proof that they ever told the DMV to release the title and the fact it was lost in the mail is not their fault. They refused to assist me or have a duplicate mailed PLUS they said it would cost me $ 50.
I called the DMV and the woman said the title was released 3÷3÷15 (neither date I was told) and she would be happy to send me a duplicate free of charge.
You know their service is bad when the DMV provides better service!

I go here all the time. The people here are great for the most part. I had an older man as a teller once and he was very bitter, and in my opinion, quite rude to me. Another time, one lady had no idea how to fill out a form (which I don’t blame her for. It was confusing), but she also didn’t know how to notarize another paper I had. I’ve been here countless numbers of times and I never had any other problem. The tellers are great to talk to, too!

Now I admit I worked here but it was a LONG time ago, and this credit union doesn’t even resemble the one I worked for…
That said, I live on the west coast, and they have been MY credit union since 1993! I know all the local ATMs that don’t charge a fee :) I also get cash when I make a purchase. Never had an issue when on the road, or home, getting money when I needed it.
Their loan rates are competitive. They are technologically savvy: they had an iphone app I can deposit checks with WAY before some banks. My husband’s credit union STILL doesn’t have this.
I’ve never had a card declined, or an issue with my debit or credit cards with them. Not once in 25 years.
I am thinking back to try and remember any time that I questioned my loyalty to this place, and I just cannot think of one. Their customer service has been stellar, on phone and on chat. Their fees are nearly non existent also.
They’ve got me forever at this rate. I am working on converting my husband, but we all know that when you’ve been with a bank a long time, changing over is a royal PITA and that bank will have to do something pretty bad to make you go through it. LOL. His credit union is much smaller and a bit behind, but works for him and is local.
That said, I’m a fan! They’ve had my mortgage, my car loan, my visa, a computer loan, various checking and savings accounts, you name it. No complaints.

I’ve been a DCU customer for 25 years, and I love it. No fees for anything, higher interest on checking and lower on Visa than the big banks, friendly and efficient service, they refund your ATM fees from other banks, they have free bill paying and a full service website, etc. They have features I haven’ t seen at other banks — the ability to set up sub-​accounts on the web, and the ability to transfer money between DCU accounts, including to other people’s accounts, from their website.
My favorite new feature is the ability to deposit checks using my iphone camera; so cool and efficient.
I’ve bought 4 cars with DCU loans — they always have the lowest rate, and they will give you a loan check, so when you find the car you want, you have «cash» in hand to buy it on the spot: makes for great negotiating.
I also signed my kids up for kid accounts — they waive the $ 5 opening balance.
This branch has a notary and a machine that «eats» your change for you — for no fee, unlike the ones at groceries stores. Also a drive-​through ATM, yay, plenty of parking, free coffee, and a comfy waiting area.
I’ve recently had to deal with TD Bank for business accounts and my awful experience with them makes me appreciate DCU even more.
They aren’t perfect: I wouldn’t recommend them for a mortgage. They aren’t great for business accounts (e.g. you can’t connect them to QuickBooks).