The $25.00 in your savings account maintains your membership in the credit union. If we were to use the $25.00 to cover checks, your membership would not be in good standing, and possible expulsion from the credit union could result.

In order to better protect your money and account information, our tellers are instructed to ask for your membership card or a driver's license. While some tellers may come to know you, and therefore not ask for ID, others tellers may be new or not know you and ask for identification. We are not trying to make things difficult, just safer for you and your money.

When we accept a check for deposit or to be cashed, we must be able to verify the signatures of the person(s) endorsing the check. Therefore we will only accept checks made payable, on the front of the check, to a member of the credit union. Encourage the person who would like to sign the check over to you to open an account with us, then they would have no problems cashing a check at the credit union.

Your $25.00 in a savings account means you own one share of the credit union and are a part owner with full voting rights. Once you are a member/owner of the credit union, you are eligible to take advantage of the other services available at the credit union. If your savings balance falls below the $25.00 level, you will need to make a deposit to bring the balance to back up to $25.00 to maintain your membership.

All calls are immediately answered by the voice mail and your options are listed for you. If you would like to bypass the system and speak to someone you may punch in that person's extension. (to see a list of people's extensions, click here.) You will also get a person's voice mail if they are already on the phone with a member, they have someone at their desk, or they are currently away from their desk. We apologize that we cannot always answer your call, but we make every effort to return your call in a timely manner.

You may use machines owned by Decatur Earthmover as many times as you would like without being charged a fee. You may use your cards at other machines five (5) times each month without being charged a fee. After the five (5) free times at other machines, you will be charged $1.00 every time you use a non Earthmover ATM machine through the end of the month.

We do not charge a fee to use our machines (click here for a list of DECU machines), whether you are a member of the credit union or not. To get a list of other ATM machines that do not charge a fee to use click here.

There can be several reasons why the ATM machine failed to return your card. The ATM machine may have malfunctioned, if the PIN number is entered incorrectly three times the machine will also keep the card. Another possibility is if the card is not taken out of the machine within the allotted time period after the transaction is completed, the machine will keep the card. Lastly, the machine may have been instructed to take the card by us. If the card was reported lost, your accounts currently have negative balances, or if there has been NSF activity on your account, we will instruct the machine to keep your ATM card.

Our ATM cards have a withdrawal limit of $500.00 per 24 hour period. If there is a problem with the phone lines or the in-house system is down, we are unable to verify balances in your accounts. In this situation, the withdrawal limit is lowered to $100.00 per 24 hour period. We apologize for any inconvenience this may cause, but this prevents members from overdrawing their accounts by mistake.

Yes, you can. We post payments at all locations once a day. The payments will show available on your credit card two days after you make the payment.

If you purchased your insurance through the credit union, you need to be off work at least 14 days (not 14 business days). We do not have the claim forms at the credit union. If you need a claim form, contact Monica Edwards at 872-8151 or Leslie McReynolds at 872-8153 and they will have a form mailed to you. Once the form is completed return it to Monica or Leslie and they will submit the claim for payment.

Monica and Leslie can handle disability insurance claims for your loans if you purchased the insurance through the credit union. If you purchased the insurance through the dealer, you will need to contact them. You may call Monica Edwards at 872-8151 or Leslie McReynolds at 872-8153, they will be happy to answer any question you may have.

If you have a delinquent loan or credit card, you need to speak to Rosemary at (217) 872-4171. She will be able to speak to you about payment options and the status of your account. Once an account becomes delinquent, our loan officers will no longer be able to assist you, you will need to contact Rosemary at the number above.

We do not currently allow members to order new checks over the phone. The check order form that is included with your book of checks contains information needed to order more checks. If you have lost your order form, we can use a deposit slip from your checkbook to order new checks. It generally takes ten business days to receive your new checks in the mail.

We currently offer American Express Travelers Checks and American Express Travelers Cheques for Two. We offer them in denominations of $50.00, and $100.00. The regular checks are available with no fee. We do charge $1.00 per $100.00 worth of the Travelers Cheques for Two. Travelers checks are available from any lobby teller at either of our locations.

To start or change direct deposit of your payroll, just call Leslie McReynolds at 872-8153. She handles all direct deposit inquiries and changes. A direct deposit is when your employer send the money to us via electronic transfer from their bank to us. If your employer sends us a check to deposit for your payroll, your questions should be directed to Monica Edwards at 872-8151.

The credit union provides $250,000 of American Share Insurance coverage and an additional $250,000 of Excess Share Insurance coverage for a total of $500,000, per share account, in coverage.

You should contact the business/creditor, who initiates the transacion, and they will stop the payment for you.

The credit union tries to make deposits available to you immediately, if possible.  In certain cases, a hold may have to be placed on a deposited check.

You can name 1 joint renter and 1 deputy on a safe deposit box rental agreement.

Debit cards are available for primary checking accounts.  The debit card takes the place of writing a check, so it cannot be used with savings accounts.

You can cash a check for no fee if you are utilizing the credit union's services.   

For tax year 2008 members under age 50 can deposit $5000 and members over age 50 can deposit $6000.

Once the credit union receives your savings bond, it is sent off to the Federal Reserve Bank for redemption.  Once we receive the funds, the money will be deposited into your account.

All deposits made at an ATM are placed on a three business day hold.

All credit union transactions are processed with the current date and time.

Yes, we offer business savings,checking, loans and credit cards, with limitations.

The credit union does not provide temporary/starter checks.  Once ordered, it normally takes 10-14 business days to receive your new checks. 

You may be able to open a savings account with DECU.  Depending on your personal situation, you may also qualify for other credit union services.

You will need to provide a valid Illinois driver's license or valid Illinois state ID card and your Social Security card. 

Contact any branch and we can verify your information to have your password reset.  You can also reset your password anytime in online banking, through the "Forgot my Password" link. 

The person opening the account must be the trustee of the trust and must provide the full trust document to open an account.

DECU provides a night depository at every branch.  The transactions are processed on the next business day.

The total stop payment fee is $25.00, but you are only charged $5.00 initially.  If the check does attempt to clear your account, you are charged the remaining $20.00.  If the check never attempts to clear, you get the security of the stop payment at a discounted rate.

Safe Deposit Boxes are available for rent at our Dividend, Mt. Zion and Forsyth branches.

A notary verifies your signature on a specific document.  A Signature Guaranty includes insurance on the transaction and is used for securities transactions.  Both the transaction and your signature are guaranteed.

You must bring two forms of identifications (at least one must be a state issued photo id) as well as a recent statement for the account showing the balance and owners of the account.

Yes. You will need to wire transfer the money from that institution, however you will need to call that institution for their wiring instructions.

The credit union must pay for some services that we provide to you.  Therefore we charge the members who use these services a cost recovery fee.  Remember, DECU strives to keep your costs to a minimum.

You can use any DECU ATM and make as many signature purchases as you like, without any fees.  If you use a non-DECU ATM or use your card for PIN-based purchases, you can conduct 5 transactions fee-free each month.  Your 6th transaction and all subsequent transactions during the month will be charged a $1.00 fee.  Remember, the ATM owner may also charge you a fee for using their machine. 

If you happen to lose or misplace one of your Earthmover cards, the following steps will help you out depending upon which card you lost.

If you lose your:

Membership Card - Contact the credit union (875-2301 or online) so we may put a warning message on your account.  We will then request additional identification for all transactions.

ATM Card - Contact the credit union (875-2301 or online) so we may put a warning message on your account.  We will then request additional identification for all transactions.  We will also block your ATM card and you may then come to any of our branches to get a replacement card.

Debit or Credit Card -  Call 1-800-449-7728 to report your card as lost.  This will put a block on your card and start the process of getting your card reissued.  You should also call the credit union so we may put a warning message on your account.  We will then request additional identification for all transactions.