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Online Banking


Welcome to the Democracy FCU Digital Experience

Where Financial Resources Meet Financial Freedom


Online Banking Features
Log in or register to access these services.

  • Dashboard

    Democracy FCU's Online Banking enables you to customize the information you see when you log into Online Banking. Choose how your dashboard is organized to view account balances, transactions, perform transfers and much more.

  • Accounts

    See all your transactions and account details, including current and available balances. Sort all transactions or quickly search by date, category, amount, type or check number. You can also categorize transactions so you can track your spending and hold yourself to a budget. Need an eStatement? This is where you’ll find them. 

    *Note - the balance with the small A is your available balance.

  • Link External Accounts

    You can bring all your accounts into one place with Democracy FCU Online Banking. You can choose to only view your external accounts or you can choose to allow transfers to and from the accounts.

  • Mobile Deposit

    Deposit checks from your mobile device from anywhere, anytime! Provide front and back photos of your check and confirm the amount. Funds deposited through mobile banking are processed like all other deposits and are subject to our Funds Availability Policy.

    *Note – must be completed using a mobile device and our mobile app.

  • Savings Goals

    Create and view multiple Savings Goals. Label goals and even include a picture! Include a target date to guide you to your goal and add funds at any time or schedule it to happen automatically. See how much you’ve saved and how much you have left with our goal bar. You can also set alerts to notify you if you’re nearing your goal, you’ve hit your goal or if you’re endangering your goal.

  • Budgets

    Create and view Budgets. Categorize them and watch your transactions automatically update your budget! Some transactions may need you to manually categorize them. See how much you’ve spent and how much you have left with our easy tracking. You can also set alerts to notify you if you’ve exceeded your budget or provide a budget summary update.

  • Bill Pay

    Paying bills has never been so effortless! Set up your payees and then with a few easy clicks your bill can be paid and/or scheduled to be paid at a future time. Once you log into online banking, select your payee, type in the amount owed and you’re done! 

    You can also set up eBills! Get your bills sent directly to Democracy FCU online banking where you can view balances, statement information and pay them all in one convenient place.

  • Transfers

    You can move money between your accounts with just a few clicks, including loan payments! For one time or recurring transfers you have the option to schedule or move right away. For easy tracking you can also view your scheduled and past transfers.

    *Note you must first add any additional accounts and have external accounts confirmed prior to conducting transfers.

Online Banking Features (Continued)

  • Person to Person (P2P)

    Send money quickly to another person (members and non-members) using P2P or Person-to-Person transfers. It works great for things like reimbursing a friend for lunch or rent to your landlord. Click P2P from the menu and enter the recipients email address or phone number, a memo (like “July’s Rent”) and the transfer amount. Click Send and you’re done! That easy!

    *Note - Contact us for transaction limits for P2P. 

  • Quick Apply

    The most convenient way to access applications for new accounts and loans, check rates, calculate payments and more!

  • Checking Services

    You may rarely run out of checks but when you do, it's a huge inconvenience. When you bank online with Democracy FCU, order checks (even customize them) online and save a trip to the branch. Additionally you can easily put a stop payment on checks you’ve written.

  • Message Center

    Create, reply to and view secure messages with Democracy FCU. Have a question about your accounts or online banking in general? Send us a message right from your computer or phone!

  • Settings (aka Widget) Options

    Get access to a wide range of settings. This includes editing your profile information, updating security information, changing the account color for different accounts, selecting a background theme, view and change your desired notifications, determine favorite widgets you want at the top in your menu, change your password and even update your contact information.

  • Locations

    Find our branches, surcharge free ATMs and shared branching information. 

    *Note - remember with shared branching you have access to over 5,000 branches in all 50 states where you can complete most of your regular transactions.

  • Manage Credit Card

    With this quick link to Access Point you will be able to view your credit card details.

  • eDocs

    Securely view your financial documents, which include your eStatements and eNotices.

Introducing Card Controls!

Our NEW Card Controls service will give you the peace of mind you deserve when it comes to controlling transactions processed on your debit/credit card(s).

With Card Controls, you can:

  • Turn cards on and off in seconds
  • Activate your cards
  • Complete credit card balance transfers
  • Report your card(s) lost or stolen
  • Block foreign transactions
  • Set up travel notifications
  • Stay on budget by setting spending limits
  • Authorize alerts and receive real-time notifications

Sign up for Card Controls Today!


Mobile Banking
Stay connected to your money with Mobile Banking.
Turn your phone or mobile device into a branch that never closes.

Mobile Banking Features

Mobile Banking FAQs

  • How do I enroll in Online or Mobile Banking?

    You must enroll in our Online Banking to use our Mobile Banking app. Locate our Online Banking widget on the home page. Then if you are...

    1. NEW USERS (never signed into a DFCU Online Banking website before): Click the “Register” button, accept the online banking disclosures and then continue with the enrollment process
    2. EXISTING USERS (if you have logged into your DFCU Online Banking account at least once on or before July 24): Enter your current username, the last six digits of your Social Security Number as your temporary password and follow the login process. 

    Once you've enrolled or logged into Online Banking, be sure to enjoy the new Democracy FCU Mobile Banking app as well! If you had the app on your device prior to the upgrade on July 25, 2017, you will need to be sure you have the newest version. Android users must uninstall the old version of the Democracy FCU app and reinstall the new one. iPhone users may need to update their application if automatic updates aren't turned on. 

  • How do I reset my Mobile Banking password?

    Go under Settings Security and select to edit your password. You will need to know your current password in order to change it. If you’ve been locked out of your account and can’t recall your password, click “Forgot Password” and follow the prompts to update.

  • What’s the difference between the mobile app and mobile-friendly site?

    The mobile app can only be used on the latest two versions of Apple iOS and Android mobile devices. The mobile-friendly site can be accessed using your web browser on most phones, tablets, and other mobile devices. 

  • What if I lose my mobile device?

    You can manage any "remembered device" or "PIN-enabled device" through Online Banking. Log into online banking, then open Settings >> Security to delete devices from your security profile. You should also consider changing your password. If your device is lost or stolen, monitor your accounts closely for any suspicious activity.

  • Can I pay bills through Mobile App?

    Yes, bills can be paid through the Mobile App for payees that have been created in Online Banking. 

  • Can I create Payees through Mobile App?

    No. The creation of Payees must be completed within Online Banking.

  • Can I transfer funds through Mobile App?

    Yes, you can transfer funds between accounts for which you have confirmed through Online Banking. 

  • Can I create or edit my budgets or savings goals through the Mobile App?

    No. The creation and editing of budgets and savings goals must be completed within Online Banking. 

  • Which devices are supported?

    Both Android™ and iPhone® apps are available.

Download for iOS

Go to the Apple Store

Download for Android

Go to Google Play

What are eStatements?

They are your monthly bank statements in electronic form! eStatements are delivered as PDFs within your Online Banking account.

  • They are available the same day they are created at the Credit Union
  • You'll receive an email that your eStatement is ready; simply login to Online Banking to review it
  • Scanned images of your checks written during the last period are included
  • The search feature allows you to easily find a certain transaction
  • You can also easily magnify any part of the statement for clearer reading

Getting started with eStatements is simple!
Enroll today!

  • Login to Online Banking
  • Select the "More" tab and click on the "eDocuments" 
  • From there, you have the option to subscribe for eStatements/eNotices

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