Dutrac Credit Union Online Banking – Here is a summary of the questions we hear most often. If you don’t see the answers you need, please contact us or stop by any of our locations. We are always happy to help.
If you are currently logged into Accessline, call (563) 557-5000 to access your accounts. Have the following information ready:
Dutrac Credit Union Online Banking
Accessline is free, but shipping, text message or Internet connection charges may apply for online and/or mobile banking.
Dutrac Community Credit Union, 337 S Main St, Monticello, Ia, Banks
The routing number is 273974549. Routing numbers are used for direct deposits, transfers to or from other financial institutions and domestic transfers.
Your 7-digit account number is easily found on the bottom of checks next to the routing number and on the original account documents. If you don’t have checks in hand and need your account number, contact us.
Why does the ATM tell me to insert and remove the card, but then asks me to leave it there? Should I trust this car?
Yes! With the increased activity of scammers and pin fraud in the area, it is necessary to ensure the security of your financial information. Please note that it is committed to providing the best service to our members. This two-step measure is in place to protect you – our member – and your finances. If you have any questions or concerns, please contact a financial services consultant at (56) 582-1331 or email us.
From Humble Beginnings To Serving 21 Counties, Dutrac Celebrates 75 Years
GAP stands for “Guaranteed Auto Protection” and is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume that your new vehicle will depreciate more than 20% after the first year of ownership, half of which occurs when you drive it off the lot. *
This leaves a gap between what you owe on your loan and the value of your vehicle if it is deemed a total loss due to an accident or theft. Our GAP program can reduce or eliminate the gap between what your auto insurance will pay and what you owe on your loan. Plus, it helps you get into your next vehicle by lowering your credit union loan by $1,000.
Our GAP Plus program includes deductible assistance designed to provide financial assistance when your vehicle is damaged but not considered a total loss. If the repairs cost more than your deductible, the deductible amount is applied to your car loan at the credit union, reducing your debt.
* Car depreciation: How much value will a new car lose? CARFAX November 9, 2018 Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan application or the terms of any loan agreement you have with us. Certain requirements, conditions and exclusions may apply. You will receive a contract before you have to pay GAP. Read the contract carefully for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You can cancel GAP at any time. If you cancel GAP within 90 days, you will receive a full refund of all fees paid. GAP purchased from state credit unions in FL, GA, IA, RI, UT, VT and WI may be with or without money back insurance. Prices for returnable and non-returnable products are likely to vary. If you choose a product with a refund, you can cancel at any time during the credit period and receive a refund of the unpaid fee. GAP purchased from state credit unions in CO, MO or SC can be canceled at any time during the life of the loan and receive a refund of unearned fees. GAP purchased from state credit unions in IN may be with or without money back insurance. If the credit union offers a refund provision, you can cancel at any time during the loan term and receive a refund of any unpaid fees. GAP-2488407.1-0419-0521 © CUNA Mutual Group, 2019. All rights reserved.
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Minimize disruption from car repairs with mechanical repair coverage. Request a quote today by stopping by any branch location or by calling a representative at 563-582-1331.
Yes. Our member choice payment protection can help if your income is reduced or eliminated due to involuntary unemployment, disabling injury or illness, or sudden death.
Bill Pay is a digital bill payment solution, at no cost to members, requiring only e-banking registration or use of its app. An introduction and instructions for setting up Bill Pay can be found on the two banking resource portals. Please contact a Financial Services representative for more information or if you have any questions.
Your checking account number, in most cases, is your joint savings account number with a “9” added to the end. You can find the checking account number on the bottom of your checks. It is the middle set of numbers.
Dutrac Hometown Hero
To deposit your money directly into your checking account, contact your staff or payroll department at work. If you have additional questions, please contact a qualified financial services consultant at members@ or call (563) 582-1331.
You can open your checking account online or at any location. Our favorite check printer is Checks for Less. Orders placed online will use the information currently printed on your checks.
To find your account, enter your checking account number – the second set of numbers at the bottom of your checks. If your name or address has changed since you last ordered checks, please contact us.
If you cannot order online by check for less, please contact us at the number above, send us an email or stop into any branch.
Dutrac Academic Scholarships Available
Yes, it applies to all transactions and can help prevent overdrafts by automatically transferring money to your checking account from another account or line of credit. There is a $5 fee for each transaction. Please note that the overdraft protection line of credit is subject to credit approval.
Yes, Courtesy Pay allows you to withdraw from your account up to the published transaction payment limit. There is a tax charge of $30 per item. Even if you have overdraft protection, Courtesy Pay is still available as secondary cover if your other source of protection is exhausted. Courtesy pay is not a line of credit; is a discretionary overdraft service that can be withdrawn at any time without notice.
To get extended coverage, which also covers ATM withdrawals and everyday debit card transactions, your consent is required.
Business accounts automatically have extended coverage. To get extended coverage, contact us. You can stop Courtesy Pay at any time by contacting us.
April Is Credit Union Youth Month
If you have any questions about overdraft protection or payment etiquette, please contact us or visit any branch.
A contactless card means you don’t need to insert your card into a point-of-sale (POS) card terminal. Instead, you simply hold your card within 1-2 inches of the POS terminal and your card information will be read and forwarded for payment.
Each contactless transaction generates a unique code, similar to chip transactions. This helps protect your card from fraud and keeps your information safe.
To report suspicious activity on your account or if you have been the victim of fraud, call (563) 582-1331 or your local police.
Merger Leads To Dutrac Office In Clinton
CardValet® is a mobile credit/debit card management application that helps reduce fraud by allowing cardholders to monitor their credit card accounts through their smartphone and control how, when and where their card is used.
It was developed in partnership with Fiserv and is available in the Apple® App Store or Google® Play. Once installed on your smartphone, CardValet can:
With uChoose Rewards, you earn points every time you use your Platinum Rewards or Business Platinum Rewards MasterCard—and at some merchants, you earn extra points.
You’ll start earning MasterCard Platinum Rewards or Business Platinum Rewards points with your first purchase. To view earned points, log in to the PC branch and enter your credit card. From there, click on “Access Card Information” to retrieve your credit card information. The uChoose Rewards link will be linked by their logo on the left side of the page.
Dutrac Community Credit Union, Neighborhood Destroyer.
It may take up to 30 business days for your points to be credited to your account and you must accumulate a point before you can start using.
After that, you can redeem any number of things by simply searching for “Total Points Available for Redemption” on the Points Details page of the uChoose Rewards site to see how many points you have available.
Then you can visit the Redeem Points page to choose from millions of options whether you prefer products, travel experiences, activities, event tickets, gift cards, make a deposit to a checking account or get cash.
Points will expire three years from the end of the month they are posted and a maximum of 200,000 points can be earned per year.
Thirteen Going On Fourteen! Dutrac Community Credit Union Breaks Ground For New Branch Office
If you collect cash back when you redeem your points, the cash back will be returned as a credit to your MasterCard credit card statement. Minimum amount of 2500 points is required for cashback.
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