They're always so nice here. I love everyone. Someone tried to use my card in Flordia and the caught it before the money was released. I went to the office and was able to get a brand-new in less than 15 minutes.
TWO SECONDS AWAY FROM CLOSING MY ACCOUNT WITH DCECU!
The app is deeply flawed! The Credit Card portion could be greatly improved. Transactions don't show up for days and when you transfer money to the Credit Card to pay it off, that takes days to show up, as well, when the Checking/Savings Accounts show up instantly. The Credit Card portion also doesn't show the exact amount you owe for that month. It shows the minimum owed ($25).
I always pay my complete balance shown on the app (transactions due and some transactions not yet due) early, and I won't use my card for sometime and there is still a balance! This has been happening so, I reached out via messages on the app and my customer service representative was STEVEN. Steven is arrogant, sarcastic, and flat out rude to customers. I called to talk to a supervisor to get this all straightened out and that was completely useless!
Staff at DCECU are rude and inattentive. I do not recommend for banking purposes.
The only reason that I am leaving 1 star is because I had to select one. This company seems great at first and for a couple months it was a really good credit union; good rates, friendly staff (for the most part), easy loan process, and everything could be done online so I didn't have to drive to sign loan papers. Because of this I ended up purchasing 2 vehicles with them as the loan provider. The first still no issues as of yet.
However, about 6 months after purchasing my second vehicle I got a call saying that I was late on my truck payment which I knew wasn't true because it is a direct withdraw every week and I made sure that it did every week. Turns out the reason it was showing late was because the proof of insurance that I provided them when signing the paper was no longer good enough. Now I was expected to upload a declaration page to this 3rd party insurance portal, which I didn't have to do with my other loan or any vehicle that I have ever had a loan for. Either way I worked through the timely process with the bank to get everything submitted. I then also paid this "past due" balance (which I was told would be refunded once they confirmed I had insurance all along) to make sure that I did not receive any further late fees, which I didn't feel was my responsibility as I had provided everything they requested at the time of signing the papers for the loan.
Fast forward a month and I got the same call again today, 4/30/21, telling me my account was past due because of late fees and the CPI that they continued to try to charge me. I am currently waiting on a call back after a loan officer calls my insurance company to verify the info I already sent them. I have since got an email address to send the declaration pages to (that I was denied last month) and I sent the confirmation from the myinsurance portal saying they received it and was working with the credit union, as well as copies of the declaration pages.
I am disgusted to say the least how unprofessional this credit union has turned out to be. They expect you to do their work for them and then they charge you bogus fees if they are to incompetent to review information for themselves. Or they loose it and don't want to lift a finger to find or fix their mistake.
If I were you, I would seriously consider whether or not you have other options otherwise you are going to be expected to go above and beyond what a normal credit union would expect of you. You may also pay untold bogus fees so they can profit off of their own incompetence.
Want to give Taylor a HUGE SHOUOUT!!!! She did a above, beyond & wonderful job helping me out with a problem today that was not my fault!!! So thankful for your help Taylor, thank you is not enough, but I sure appreciate your help. Once again thanks DCECU for having great employees who take a few extra minutes to help. Sue Tonk also want to clarify that it wasn't anything DCECU did either, I belong to DCECU and Taylor took the time to straighten it all out!
Been a loyal member of the credit union for almost 3 years now. Never had a problem with them. I really appreciate getting money back from them, I believe it's quarterly. Look forward to doing more with DCECU in the future.
I've worked for multiple financial institutions (not DCECU) in the past, so I have a great understanding of how deposit accounts, loans, etc. are originated and serviced.
I've never been a customer of another institution as frustrating to work with as DCECU. Their online banking is essentially pointless for anything other than viewing activity, as changes to contact information, external payment accounts, automatic payments, etc. cannot be done online.
They also take account security overboard, to the point it's a chore to simply call them to change those details over the phone that they don't allow to be done through mobile banking or online banking. Listen, I desire strong security protocols, but even big banks/card providers like Chase, Citi, Bank of America, etc. have much more efficient and less painstaking ways to verify identity.
My wife and I recently got new phone numbers, which we called to update with them over the phone (after being local to DCECU's service area, we recently moved a couple hours away but still have consumer loans with DCECU). You would think updating your phone number and stating your former one was inactive would mean that former number is changed in every facet of one's customer profile....but not with DCECU. After being notified upon logging into my online banking that a verification text would be sent to my former number, I was left dead in the water - unable to get any type of verification code that was required to log in, even after having updated my phone number over a week prior. A phone call to DCECU led to me being explained that my phone had been updated in some areas of my customer profile but not others. And it was not explained as being a mistake, but as being their typical protocol.
To sum it all up - find another financial institution to work with. Pretty much any other bank or credit union will be easier to deal with.
During this covid pandemic my checking account went negative. So understandably my checking account was closed. I didn't receive any assistance or uia in this time of hardship. DCECU Kristen in member services refuses to help turn my checking account on so that I can pay my bills now. Even with a large check deposited the credit union isn't as great as I thought. I'd suggest going to a different credit union DCECU obviously has no heart.
Andrew was super friendly and helped us find the strains that worked best for us! Thanks dispo!
Overall good service here but recent experience with drivethru forced by covid was painfully slow.
Dow Chemical Employees' Credit Union (DCECU) is a not-for-profit financial institution that has been serving its members since 1937. With a focus on providing exceptional service and competitive rates, DCECU has become one of the most trusted credit unions in Midland, Bay City, Saginaw, and surrounding communities.
As a member-owned credit union, DCECU is committed to putting its members first. This means that all profits are returned to the members in the form of lower fees and better rates on loans and savings accounts. Members also have a say in how the credit union is run through an elected board of directors.
Personal Banking Services
DCECU offers a wide range of personal banking services to meet the needs of its members. From checking accounts with no monthly fees or minimum balance requirements to savings accounts with competitive interest rates, DCECU has everything you need to manage your finances.
In addition to traditional banking services, DCECU also offers online banking and mobile banking apps for added convenience. Members can access their accounts from anywhere at any time using their computer or mobile device.
Loans
Whether you're looking for a new car or need money for home improvements, DCECU has you covered with its wide range of loan options. With competitive interest rates and flexible repayment terms, getting approved for a loan at DCECU is easy.
Mortgages
Buying a home can be one of the biggest investments you'll ever make. That's why it's important to choose a lender who understands your needs and can help guide you through the process. At DCECU, we offer fixed-rate mortgages with low down payment options so that homeownership is within reach for everyone.
Credit Cards
With low-interest rates and no annual fees, DCECU's credit cards are an excellent choice for anyone looking to build their credit score or earn rewards points on everyday purchases.
Community Involvement
At DCECU we believe in giving back to our community by supporting local charities and organizations through donations and volunteer work. We also offer financial education programs designed to help our members make informed decisions about their finances.
Conclusion
If you're looking for personalized service from people who care about your financial well-being then look no further than Dow Chemical Employees' Credit Union (DCECU). With over 80 years of experience serving our community we have earned our reputation as one of Michigan's most trusted financial institutions. Join us today!
dcecu.org
