Here are some frequently asked questions to help you!
When can I use ACH On Demand?
ACH On Demand will allow members to have the option to receive their deposit 1-3 days sooner than the original post date if the files are sent from the originator prior to the actual intended post date. If these funds can be made available earlier than the post date, you will see these funds as “pending” in your DMCU account which means that your money can be posted to your account immediately if you wish to take advantage of this service. Keep in mind, it's not always guaranteed that we get ACH files early.
How can I access ACH On Demand?
The ACH On Demand feature can be found within your online banking or mobile app. The ACH credit will post directly to your account that it is pending, and it will not be directed to another account.
Do I have to pay to use this service?
To take advantage of DMCU’s ACH On Demand program, there is a $14.00 fee* for each posting. This fee will come directly from the share account of your choice. The $14.00 fee cannot be taken from the deposit, and the fees will not be reversed. Within your account, your fee memo will read ACH On Demand Fee.
What if I have ACH distributions?
Distributions that are tied directly to this deposit will post early to your account as well. AFT’s (Automatic Funds Transfer Service), will happen at their normally scheduled time.
Important! If you post your funds early, DMCU cannot reverse the posting, nor can we reverse the fee. No exceptions can be made.*
*A $14.00 fee will be applied to your DMCU share account of your choice. The $14.00 fee cannot be withdrawn from the incoming deposit.