Frequently Asked Questions
How do I report a VISA Credit or Debit Card transaction that I did not authorize and need to dispute?
To dispute unauthorized debit card transactions, you can complete a dispute through online or mobile banking by navigating to ‘Dispute a Charge’ under the ‘Accounts’ tab. You can also visit your local branch or call our Contact Center at 302-739-4496 for the appropriate forms to be completed for the dispute.
To dispute unauthorized Credit Cards transactions, please call 1-866-795-1421.
What is my account number?
Your account number can be located:
- On your statements or eStatements in the right-hand corner.
- On the bottom of your checks (the second series of numbers).
The routing number is 231176554
If you have misplaced or forgotten your account number, please contact us, or stop in at any of our branch locations to obtain your full account number.
Please note: For security purposes, we will not include any account numbers via email.
How do I make a payment on my loan or credit card?
Visit Make a payment for payment options.
How do I reset my online banking password?
If you forgot your online banking password:
On the online banking Log In page, click the Forgotten password? link.
Click the the I Agree box to accept the Forgot Password disclosure and then Continue.
Verify your identity by entering your Username, SSN/TaxID, Email, and one optional (Birth Date or Zip Code), click Continue.
Enter New Password and Confirm New Password, click Save
If you are locked out and need a password reset, please call the Contact Center at 302-739-4496 during 8:00am – 6:00pm. Please have internet access when calling so that we can ensure you are able to login while a representative is on the phone with you.
What is my account number?
Your account number can be located:
- On your statements or eStatements in the right-hand corner.
- On the bottom of your checks (the second series of numbers).
The routing number is 231176554
If you have misplaced or forgotten your account number, please contact us, or stop in at any of our branch locations to obtain your full account number.
Please note: For security purposes, we will not include any account numbers via email.
How do I close my accounts?
You may close your account at any of our branch locations. You may also send via mail or fax to (302)-739-2366 a written request to close the account.
Account Closure Follow Up
Upon receipt of an account closure request, the account funds are mailed payable to the member at the address on file.
To ensure that the funds reach you, please verify that your current address and information is updated on your membership with us.
You can make changes in Online Banking, by contacting us, or by visiting a branch location.
Can I allocate my direct deposit or payroll deduction to multiple accounts?
Yes, you may allocate your direct deposit to multiple accounts. Please call (302) 739-4496 or visit a local branch.
How can I set up direct deposit?
To set up a direct deposit you must contact your employer and provide your account number and our routing number (231176554) or provide a voided check from your checkbook that contains your account information and our routing number. Additional information may be required by your employer.
How can I stop an automatic withdrawal from my account?
Please contact the company that is submitting the debit then contact us to complete a stop payment form (fees may be assessed).
For up-to-date information on our fees, see our fee schedule.
How do I add or remove joint owners from my account?
Request the Account Change form from one of our branch locations and follow the instructions below:
To add a joint owner, complete the Account Change form with a copy of the joint owner’s identification. Be sure to include the joint owner’s social security number.
To remove a joint owner, the joint owner will need to complete the Account Change form.
How do I add, remove or change a beneficiary on my account?
To add or remove a beneficiary on your share certificate or IRA, you can visit one of our branches or contact our Call Center at (302)-739-4496.
You must have the following beneficiary information:
Full name
Date of birth
Social security number
The appropriate form will need to be signed by the member.
How do I change my address online?
To change your address online:
1. Log into your account in online banking
2. Select Tools, then Settings
3. On the Contact tab, click the pencil icon next to Addresses
4. Update the information and click SAVE
How do I find my member number?
Your member number can be located on your statement in the right-hand corner.
Please note: We do not give member numbers over the phone for security reasons. Please visit a branch location or Live Teller through our drive-thru with your ID if you are unable to locate your member/account number.
How do I place a Stop Payment?
You may also place a stop payment at any branch location or over the phone at 1-(302)-739-4496.
Please note: There is a stop payment fee. All fees are subject to change. Find a list of current fees and service charges on the fee schedule.
How do I remove my email address from marketing emails?
You may request your email to be removed from marketing emails by clicking the “Unsubscribe” link at the bottom of the email.
What does a member do if they show a charge they did not make?
To dispute a transaction(s) on your credit card, call 1-(866)-795-1421.
Lost or stolen card? Please contact us immediately!
For lost or stolen VISA Debit Cards please call (800)-472-3272.
For lost or stolen VISA Credit Cards please call (866)-795-1421.
Can I open a Checking Account for my child?
Yes. Our Student Checking is available to our members from the ages of 13 to 21.
Can I deposit a check(s) made out to my child(ren) into my account?
We would consider the request depending on the amount of the check. Typically, we recommend that you open an account for the child.
For more information, please contact us or visit one of our branch locations.
Can I open a savings or checking account online?
Yes! It’s never been so quick and easy to open a new account or apply for a loan! Visit our website for more information.
Can I order checks from any place, or do I need to order from the Credit Union?
We recommend that you order your checks through our provider, Harland Clarke. You may order online at https://www.OrderMyChecks.com
You can also visit a branch location near you or use your online banking account to reorder your checks.
Does the Rewards Checking account earn interest?
Yes! All checking accounts earn dividends. Please refer to our Share Rates page for more information.
How can I get a copy of a canceled check?
You can get a copy of a canceled check through Online Banking. If you are unable to see the check online or you do not use Online Banking please call us at 1-(302) 739-4496 or visit our branch locations.
What is a canceled check?
A canceled check is a check which has cleared the depositor’s account and therefore marked “canceled” by the depositor’s financial institution. Copies of canceled checks can be used as proof of payment and are accessible for up to 7 years.
How do I know how long my checks are held?
Our policy is to make funds from your cash and check deposits available to you normally on the next business day after we receive your deposit or within 2 business days. Electronic direct deposits will be available on the day we receive the deposit. The release date will also appear on your deposit receipt.
How do I reorder personal checks?
You may reorder checks online at https://www.ordermychecks.com/ or through your online banking account.
How is the Checking interest calculated?
Depending on what type of checking account you have with Del-One, your interest amount will vary. Please view our current share rates.
Dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
For more information and additional assistance, please call us at 1-(302) 739-4496 or visit our branch locations.
How long is a credit union official check or personal check valid for?
Del-One Official Checks are valid for 90 days. Personal checks become stale-dated after six months from the date of issue.
What happens if I deposit a check and it bounces?
You will be assessed a fee. Please contact the person or company that wrote the check to alert them of the issue. This issue typically occurs when the checking account from which the funds were being withdrawn does not contain sufficient funds to cover the check.
Depending on the return reason the check may be redeposited. For up-to-date information on our fees, see our fee schedule.
For additional assistance please contact us or visit a branch location.
What is the cost for printing check copies and account statements?
For up-to-date information, see our fee schedule.
What is the minimum age requirement to open a Checking Account?
The minimum age to open a checking account is 13 with an adult joint owner on the account.
What is your check cashing fee?
For up-to-date information on our fees, see our fee schedule.
What should I do if I have a negative balance in my Checking Account?
You must make a deposit to correct the negative balance within 30 days. Stop by one of our branch locations or use our mobile deposit service within online banking to address the issue.
Where can I find my draft ID?
Your checking account 10-digit draft ID can be located on the bottom of your checks:
If you don’t have checks, contact us at 1-(302)-739-4496 with your member number to obtain the draft ID of your checking account. For security purposes, we will not include any account numbers via email.
Why did my check bounce when I had money?
You may have funds on hold from deposits or debit card purchases.
Please log into your account through Online Banking to view the clearing of your items. For further assistance, please Contact Us.
Why did my check clear for a different amount than was written?
There may have been an error with the entered amount on your check. Please contact us at 1-(302)-739-4496 or stop by any branch location so we may investigate the issue.
Can I open a savings and checking account if I have credit problems?
We pull Chex Systems and a Credit Bureau before opening accounts. We require a favorable Chex Systems report and the Credit Bureau is reviewed for collections items before we open accounts.
For more information about your specific financial situation, please contact us or visit a branch location.
Did you know you can check your credit report once annually for free?
Your credit score is an important part of your financial health, and we encourage members to review their credit report regularly. You can check your own credit score for free once annually by visiting www.annualcreditreport.com.
Are members able to call the 800 number and activate their credit cards?
To activate your VISA credit card, call 1-(866)-795-1421.
Are there any fees for using my VISA debit card or ATM-only card?
Some fees may occur while using your VISA debit card or ATM-only card. Please review our fee schedule to see our current fees.
Are there any service fees for ATM withdrawals?
There is no charge for using a Del-One ATM or CO-OP ATM.
Please refer to our Fee Schedule to see our latest ATM fees when using other ATM machines.
Stop by any location near you—we’d love to see you
Del-One Federal Credit Union has several convenient branch locations throughout the state and is part of the CO-OP Network, providing members with nearly 30,000 surcharge-free ATM locations.
Are there currency conversion fees to use my VISA Debit Card in a foreign country?
Yes, there are ISA fees when your card is used Internationally. Please review our fee schedule to see our current fees.
Can a member change their PIN number?
Yes. Please call 1-800-992-3808 to change the PIN for your ATM or VISA Debit card.
To change the PIN for your VISA Credit card, please call 1-866-795-1421.
Can I get a debit card for my savings account?
Debit cards are for checking accounts.
After you have linked your checking account to your debit card, you may link a savings account to the card for ATM withdrawals only.
Can I customize my debit card?
Yes! We offer custom debit cards. Simply upload your image to our online custom debit card form.
Can I get money from my savings account with my VISA Debit Card?
Yes. After you have linked your savings account to the card, you may select to withdrawal from your savings account at an ATM machine.
Can I request a Personal Identification Number (PIN) for my credit card?
To request a PIN change, call 1-(866)-795-1421.
Can I select my own personal identification number (PIN) on my VISA Debit or ATM card?
Yes, you may select your own PIN for your VISA Debit card or ATM card by calling 1-800-992-3808.
Can I stop payment on a VISA transaction?
No, we cannot place a stop payment on a VISA transaction. To reverse a transaction, you will have to contact the merchant for a refund unless the card was used without your permission.
Can I use Card Command Internationally?
Yes! You can access Card Command anywhere and at any time. In fact, we recommend our members sign up for Card Command before they begin their travels as Card Command allows you to shut off lost or stolen cards and set limitations on when and where you may use your card instantly.
Please note: international message and data rates may apply. Please speak to your cellular service provider for additional information.
Ready to take control of your cards?
From the Mobile Banking app, go to More > Tools > Card Command and follow the prompts to easily install the Card Command app
Can I use my Credit Union credit card to get cash at an ATM?
Yes, if you know your PIN you may use your credit card to complete a cash advance at an ATM. To find an ATM near you see our ATM and Branch Locator.
Can I use my VISA Credit or Debit card internationally?
Yes, you can use your debit card internationally. However, you must contact us with the country/countries you are traveling to and the dates to allow the proper use of the card.
Does Del-One offer tap-to-pay?
Yes, Del-One offers tap-to-pay, swipe, and mobile pay.
Do you offer Apple Pay?
Yes, you may use your Del-One VISA debit and credit card with Apple Pay on your supported Apple device.
Bring your cards with you wherever you go!
Whether you are paying in a store or within apps, you can use Apple, Android (Google), or Samsung Pay with your supported mobile device.
Contactless payment methods using your mobile wallet are secure: for every individual card transaction, there is a one-time, unique number that is communicated between the card and the terminal.
Please note: Most devices will already have a mobile wallet pre-installed. Apple Pay is only compatible with the devices listed on Apple’s support page.
How can I confirm that my VISA Debit or Credit card was ordered?
Please give us a call at 302-739-4496 to confirm your card has been ordered.
How can a member close a VISA account?
You may close a VISA account at any time by completing a VISA Credit Card Maintenance form. If the account is not at a zero balance, you are still responsible to pay the balance due on the account.
How can I get my PIN for my VISA Debit and/or Credit Card?
A PIN for VISA Debit and/or Credit Cards cannot be given out, however, you can change your PIN.
To change your ATM/Debit card PIN, please call 1-800-992-3808. For Credit card PIN changes, please call 1-866-795-1421.
How do I access my credit card through electronic services?
You can access your VISA account electronically through online banking.
How do I activate my VISA Debit Card?
To activate your VISA Debit Card, please call 1-800-992-3808.
How do I add an additional cardholder to my credit card?
You may add an authorized user by completing the VISA Credit Card Maintenance form. The authorized user will not be held responsible for any indebtedness on the account.
How do I cancel my credit card?
You may close your credit card by completing the VISA Credit Card Maintenance form. If the account is not at a zero balance, you are still responsible to pay the balance due on the account.
How do I dispute a charge(s) that appears on my credit card?
Call 1-(866)-795-1421 for all credit card disputes.
How do I earn points on my credit card?
Points for merchandise, travel, and cash back options are earned at a rate of one (1) point for every dollar spent; cash advances and balance transfers are excluded from earning points. All points are on a rolling six-year expiration plan, please visit www.uchooserewards.com for redemption information.
How do I find out about the purchases appearing on my credit card statement?
You may dial the automated customer service number 1-(866)-795-1421, view your account via online banking, or speak to a Contact Center Representative at (302)-739-4496.
How do I replace my credit card?
You may request a replacement card by completing a VISA Credit Card Maintenance form. You can request this form by visiting a branch location or contacting us.
Please note: Replacement fees will apply, please see our Fee Schedule and your credit card disclosure for up-to-date information.
Lost or stolen card? Please contact us immediately!
For lost or stolen VISA Debit Cards please call (800)-472-3272.
For lost or stolen VISA Credit Cards please call (866)-795-1421.
How do I report a VISA Credit or Debit Card transaction that I did not authorize and need to dispute?
To dispute unauthorized debit card transactions, you can complete a dispute through online or mobile banking by navigating to ‘Dispute a Charge’ under the ‘Accounts’ tab. You can also visit your local branch or call our Contact Center at 302-739-4496 for the appropriate forms to be completed for the dispute.
To dispute unauthorized Credit Cards transactions, please call 1-866-795-1421.
How do I report my Debit or ATM card lost/stolen?
For lost or stolen VISA Debit Cards please call (800)-472-3272.
For lost or stolen VISA Credit Cards please call (866)-795-1421.
How do I request a VISA Debit Card?
You can be issued a debit card instantly at any Del-One branch location or you can have one mailed to you by calling our Contact Center at 302-739-4496.
How do I set transaction limits in Card Command?
Setting up transaction limits is quick and easy. To set up transaction limits:
Open your Card Command app
Select the card you wish to make changes to.
Select “Spend Alerts“
Follow the on-screen prompts
Once you have finished select “Save“
Don’t have Card Command yet?
From the Mobile Banking app, go to More > Tools > Card Command and follow the prompts to easily install the Card Command app
How do I set up alerts in Card Command?
Setting up alerts is quick and easy. To set up alerts:
Open you Card Command app
Select the card you wish to make changes to.
Select “Alert Preferences”
Follow the on-screen prompts
Once you have finished select “Save”
Don’t have Card Command yet?
From the Mobile Banking app, go to More > Tools > Card Command and follow the prompts to easily install the Card Command app
How do I sign up for Card Command?
Signing up for Card Command is easy. Once you have downloaded the Del-One Card Command app, follow the on-screen prompts to sign up for an account and add your cards.
Learn more about Card Command on our Digital Accounts Access page.
Ready to take control of your cards?
From the Mobile Banking app, go to More > Tools > Card Command and follow the prompts to easily install the Card Command app
How do I turn on / off my cards with Card Command?
Turning your cards on or off is quick and simple. To set turn your cards on or off:
- Open your Card Command app
- Select the card you wish to make changes to.
- Select the “Card On/Off” toggle
Ready to take control of your cards?
From the Mobile Banking app, go to More > Tools > Card Command and follow the prompts to easily install the Card Command app
How do you apply for approval for a debit card?
You can be issued a debit card instantly when you open a checking account at a Del-One branch location.
How long does it take to get a replacement VISA Credit Card if my card is lost or stolen?
Rewards VISA and Student Rewards Visa Credit Cards may be instant issued at a local branch. If you are unable to visit a branch, it can take 7-10 business days to receive.
How much does it cost to replace a lost VISA Credit or Debit card?
Please review our fee schedule to see our current card replacement fees.
You can be issued a debit card instantly by visiting one of our branch locations.
How secure is Card Command?
Card Command is a secure application that not only protects your card information but allows you to set limitations on when, where and how much money can be spent. You can even turn off your card if your card becomes lost or stolen.
To learn more, visit our Digital Accounts Access page.
Ready to take control of your cards?
From the Mobile Banking app, go to More > Tools > Card Command and follow the prompts to easily install the Card Command app
My VISA card has expired, and I have not received my new card yet. Do I need to worry? Should I report it lost?
Your current card is valid through the end of the expiration month. You should receive a replacement card by the middle of the expiration month. If you have not received your card, please call our Contact Center at (302) 739-4496 or stop in any branch location.
What are EMV (chip) cards?
EMV — which stands for Europay, Mastercard and Visa — is a global standard for cards equipped with computer chips and the technology used to authenticate chip-card transactions.
This enhances the security of cards during point-of-sale transactions because the chip generates a new number for every transaction. The card is inserted into instead of swiped through a card reader, and a signature completes the purchase (when necessary).
What cards can I add to Card Command?
You can add any of your Del-One FCU Debit or Credit Cards to the Card Command app. To learn more about Card Command, visit our Digital Accounts Access page.
Ready to take control of your cards?
From the Mobile Banking app, go to More > Tools > Card Command and follow the prompts to easily install the Card Command app
What do I do if my VISA debit card does not work?
There are several factors as to why you may experience issues with your debit card. Below are some possible factors:
- If there are suspicious transactions and our Card Service cannot contact you, the card could be restricted.
- If you have used a Bad PIN several times, your card could get locked out.
- If you have exceeded your daily limit, your transaction could be declined.
It is important for you to keep your contact information up to date.
Call our Contact Center at 302-739-4496 or stop in any branch location for more information.
What do I receive for using your VISA (miles/points/rewards)?
For VISA Credit Cards: Points for merchandise, travel, and cash back options are earned at a rate of one (1) point for every dollar spent; cash advances and balance transfers are excluded from earning points. All points are on a rolling six-year expiration plan. Please visit www.uchooserewards.com for redemption information.
What is a PIN Number?
Personal Identification Numbers are referred to as PIN numbers. The specific 4-digit PIN number that you select allows you to authorize transactions when you use your debit, ATM or credit cards.
What is a VISA ISA fee?
An International Service Assessment (ISA) fee is an international processing fee charged by VISA to merchants whenever you use a credit card or debit card issued by a bank outside of the United States.
All fees are subject to change. Find a list of current fees and service charges on the fee schedule.
What is a debit card?
A debit card is linked to your checking account and draws from the available money within the linked account. When you use your debit card, funds are immediately withdrawn. You can enjoy these benefits when using a Del-One debit card:
- Fast, free, and easy
- Instant-issue cards
- Safer than carrying cash
- More convenient and safer than checks
Mobile Wallet – now compatible with Apple, Android and Samsung Pay
and much more!
What is Card Command?
Card Command is a mobile app service that allows you to take control of your Del-One debit and credit cards wherever you go. With Card Command you can receive alerts, define when, where and how your payment cards are used. You can even turn them “off” if they’re misplaced or stolen and back “on” when you’re ready to use them.
Learn more about Card Command on our Digital Accounts Access page.
Ready to take control of your cards?
From the Mobile Banking app, go to More > Tools > Card Command and follow the prompts to easily install the Card Command app
What is the difference between a Credit Card and a Debit Card?
A credit card is a line of credit loan. A debit card is linked to your checking account.
What is the maximum limit on a Credit Card?
The maximum limit on a credit card is $20,000.00. Credit limits are based on gross monthly income and credit scores.
Did you know you can check your credit report once annually for free?
Your credit score is an important part of your financial health, and we encourage members to review their credit report regularly. You can check your own credit score for free once annually by visiting www.annualcreditreport.com.
What number do I call after business hours to report a lost or stolen card?
Report your card lost or stolen as soon as you realize your card is missing.
For VISA Debit cards call (800) 472-3272.
For VISA Credit cards call (866) 795-1421.
What's the difference between a debit card and an ATM card?
A debit card is linked to your checking account and draws from the available money within the linked account. When you use your debit card, funds are immediately withdrawn.
An ATM card can only be used at an ATM terminal to withdraw or deposit money. On rare occasions, certain merchants may accept ATM transactions.
Why did I receive a call from Fraud Prevention Center?
You received a call due to suspicious activity on your card. Call 800-472-3272 to confirm the transactions.
Lost or stolen card? Please contact us immediately!
For lost or stolen VISA Debit Cards please call (800)-472-3272.
For lost or stolen VISA Credit Cards please call (866)-795-1421.
What is my account number?
Your account number can be located:
On your statements or eStatements in the right hand corner.
On the bottom of your checks (the second series of numbers).
IMAGE OF CHECK
The routing number is 231176554
If you have misplaced or forgotten your account number, please contact us, or stop in at any of our branch locations to obtain your full account number.
Please note: For security purposes, we will not include any account numbers via email.
Can I change a bill payment?
Yes, if the payment is still pending, you can change the following:
- The account from which to make the payment.
- The date you want the biller to receive the payment.
- Amount of the payment.
If you made a payment to the wrong payee, you can delete the incorrect payment and make another one to the correct payee. However, you cannot change an In Progress payment. If the payment is processed as a check, a stop payment may be placed on the check number.
For more information and additional assistance, please call us at 1-(302)-739-4496 or visit our branch locations.
Can I print my statement using Online Banking?
Yes! Find your printable bank statements in online banking
Do I have to close my account if I move out of state?
No! Once a member always a member.
We offer remote banking services including:
- Online Banking
- Mobile Banking
- Telephone banking
- Direct deposit
- Contact Center assistance
We are also a member of the Co-Op Network with 30,000 ATMs for our members, nationwide.
Do you offer Mobile Deposit?
Yes, Del-One has Mobile Deposit available from your iPhone, Android, or iPad. With this feature, you can take a picture of the check and deposit it using the Del-One mobile app. Check out our Digital Accounts Access page to learn more.
Don’t have access to Mobile Banking?
In today’s age of technology, there’s no reason you should have to run out to a branch just to do something simple, like depositing a check. Handle all of your banking activities right from your mobile device! You can review account history, transfer funds, receive alerts, and more.
Learn more by visiting our Digital Account Access page or download the Mobile Banking app.
How can I change my Username for online banking?
If you know your username:
- Login to online banking
- Go to Tools, then Settings
- On the Security tab, select the pencil icon by Username to edit and then click Save Changes.
How can I get a copy of my account statement?
If you have eStatements you must:
- Log in to Online Banking
- Select the Account tab
- Click on eStatements
If you are receiving a paper statement and need a copy, please contact us at (302) 739-4496.
How current is the account and transaction information in Mobile Banking?
When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions.
How do I change my password in online banking?
To change your password:
- Log into your account withing online banking
- Go to Tools, then Settings
- On the Security tab, click the pencil icon next to Password
- Enter Current Password, then enter & confirm New Password. Click Save Changes
If you don’t remember your password, click the Forgot password? link on the Login page.
How do I know if the company or person received my payment?
Look for the payment to move from the Pending to Processed in the Payments section.
You can see a list of pending and processed payments under Payment Activity.
If the payment was processed, you see the amount of the payment with the status of Delivered. If you canceled the payment, or if it failed during processing, you see the status of the payment.
How do I make a deposit with my phone?
Before you deposit your check, please ensure that the check is properly endorsed on the back. To endorse your check, sign your name on the lines provided on the backside of the check, then add “For Mobile Deposit Only” on the line below your signature.
To make a mobile deposit:
- Login to the Del-One app
- Click on Deposit.
- You will be prompted to take a picture of the front and back of the check (place the check on a flat surface).
- Once you capture the image, you will be prompted to confirm the deposit amount.
- Select SUBMIT to confirm the amount deposited and submit the deposit.
The images are then enhanced and converted to a Check 21 compliant image for image exchange. The images are also validated to ensure image quality, and the back of the check has been endorsed.
How do I reset my online banking password?
If you forgot your online banking password:
- On the online banking Log In page, click the Forgotten password? link.
- Click the the ‘I Agree’ box to accept the Forgot Password disclosure and then Continue.
- Verify your identity by entering your Username, SSN/TaxID, Email, and one optional (Birth Date or Zip Code), click Continue.
- Enter New Password and Confirm New Password, click Save
If you are locked out and need a password reset, please call the Contact Center at 302-739-4496 during 8:00am – 6:00pm. Please have internet access when calling so that we can ensure you are able to login while a representative is on the phone with you.
I'm having trouble using mobile wallet
Help us improve your mobile wallet experience! Use this form to report any issues you encountered while trying to use Apple Pay, Google Wallet, or Samsung Pay at a merchant or store. Your feedback is valuable in helping us enhance our services. Thank you!
Is my account information available 24-hours a day?
Yes! you can keep tabs on your accounts 24/7 with Online Banking and Mobile Banking!
What happens with mobile banking if my phone number changes?
If your mobile phone number changes:
- Go to Settings
- On the Contacts page, click the pencil icon next to the phone number, enter the new phone number
- Click Save Changes.
What is a primary account in Bill Pay?
A primary account is the payment account from which you pay most of your bills. When you designate an account as your primary account, it appears first in the Select Account list by default for your Bill Pay.
To change your preferred account: Simply select another account under Settings in Bill Pay.
What is Bill Pay?
Bill Pay lets you pay your bills online through Del-One Federal Credit Union. You can pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.
- You can pay all of your bills in Bill Pay. You can also see a summary of your recent and pending payments.
- You can receive some of your bills online in Bill Pay. You can view and pay these bills in Bill Pay.
- You can set up automatic payments to pay your electronic bills or to automatically schedule payments of a set amount at regular intervals.
- You can review your bills and payments for the past 18 months.
- Save postage and time by paying your bills with Bill Pay
- Schedule payments in advance, set up payment reminders, ensure payments are received on time, and much more!
For more information, please visit our Bill Pay page.
What is Mobile Wallet?
A mobile wallet is a virtual wallet that stores payment card information on a mobile device. Whether you are paying in a store or within apps, you can use Apple, Android, or Samsung Pay with your supported mobile device. Click on any of the icons below to get started.
Who can I pay using Bill Pay?
You can pay anyone in the United States that you would normally pay by check or automatic debit. Even if you don’t receive bills from the company or person you want to pay, you can still add the information we use to make payments. You can pay large companies and small companies, as well as individuals such as childcare providers or family members.
When you pay a bill, Bill Pay sends the payment electronically whenever possible. If the company or person cannot receive electronic payments, Bill Pay prints a check and sends it to the address you provide when you add your bill.
What is a form 1099-INT and when should I receive it?
A 1099-INT form discloses interest paid on an account. If $10 or more in dividends are paid throughout the year, a 1099-INT form will be sent by January 31st of the following tax year.
What is the difference between a Home Equity Loan vs. a HELOC?
A Home Equity loan (fixed rate) is a closed-end loan with a specific amount and time for repayment.
A Home Equity Line of Credit (variable rate) is a revolving account with a pre-set limit allowing the borrower to make draws as needed. Learn more about our HELOC and Home Equity Loans at Del-One Federal Credit Union.
What is a Home Equity Line of Credit?
A line of credit is a revolving account allowing a borrower to make draws as needed up to a pre-set limit. The primary residence is used as collateral for the line of credit.
Can a joint owner on a certificate make changes to the term upon maturity?
Yes, the joint owner of the certificate may make changes to the term upon maturity.
Can anyone be listed on my certificate as a joint owner?
Yes, you may list anyone as a joint owner on your certificate as long as they provide a valid photo ID and social security number.
Does Del-One offer special certificate rates?
Del-One may offer special certificate rates at various times during the year.
To find a list of current rates, please visit our share rates page or call 302-739-4496.
Does the credit union offer Roth IRAs?
Yes, Del-One offers Roth IRAs.
Please visit Retirement Accounts for more information.
For more information and additional assistance to set up a new account or to rollover an existing account, please call us at 302-739-4496 or visit our branch locations.
Do you offer Traditional IRAs?
Yes, Del-One offers Traditional IRAs.
Visit Retirement Accounts for more information.
For more information and additional assistance to set up a new account or to rollover an existing account, please call us at 302-739-4496 or visit our branch locations.
How many days do I have once my Term Certificate matures to decide what to do with my money?
There is a 10-day grace period to make changes without incurring a penalty.
If you would like assistance in renewing a certificate or with other questions, please call us at 302-739-4496 or stop by any of our branch locations.
How much can I contribute to my IRA?
Contribution rules differ depending on the type of IRA.
Visit Retirement Accounts for more information.
For more information and additional assistance to set up a new account or to rollover an existing account, please call us at 302-739-4496 or visit our branch locations.
How often do your interest rates change for your Share Certificates? What are the different terms?
Rates are subject to change at any time to provide members with the best value.
To find a list of current rates, please visit our share rates page or call 302-739-4496.
I recently left my employer and need to rollover my 401(k) into an IRA. Can I roll it over?
Yes, eligible assets from qualified retirement plans can be rolled over to a Traditional IRA.
Please visit Retirement Accounts for more information.
For more information and additional assistance to set up a new account or to rollover an existing account, please call us at 302-739-4496 or visit our branch locations.
What are your certificate rates?
To find a list of current rates, please visit the Share Rates page. All rates are subject to change.
What is a Roth IRA?
A Roth IRA is an Individual Retirement Account that allows you to save for retirement with non-deductible contributions. The money you contribute to your Roth IRA can be withdrawn tax-free at any time. If you qualify, you can withdraw the earnings tax-free too.
Please visit Retirement Accounts for more information.
For more information and additional assistance to set up a new account or to rollover an existing account, please call us at 302-739-4496 or visit our branch locations.
What is an IRA?
A Traditional IRA is an Individual Retirement Account that allows you to save for retirement with tax-deferred earnings and the possibility of tax-deductible contributions.
Please visit Retirement Accounts for more information.
For more information and additional assistance to set up a new account or to rollover an existing account, please call us at 302-739-4496 or visit our branch locations.
What is the penalty for an early withdrawal on a Term Certificate?
Early withdrawals may result in penalties:
- Terms of 6 months or less: The penalty we may impose will be the greater of seven days dividends on the amount withdrawn OR 31 days’ dividends on the amount withdrawn
- Terms of 12 months: The penalty we may impose will be the greater of seven days dividends on the amount withdrawn OR 91 days’ dividends on the amount withdrawn
- Terms longer than 12 months: The penalty we may impose will be the greater of seven days dividends on the amount withdrawn OR 181 days’ dividends on the amount withdrawn
Please call us at 302-739-4496 to get the latest information.
What types of IRAs do you offer?
We offer Traditional IRAs and Roth IRAs.
Please visit Retirement Accounts for more information.
For more information and additional assistance to set up a new account or to rollover an existing account, please call us at 302-739-4496 or visit our branch locations.
What will my new interest rate be when my Term Certificate matures?
When your term certificate matures, the current rate at the time will be used to determine your new interest rate.
To find a list of current rates, please visit our share rates page or call 302-739-4496.
When can I access the funds in my Roth IRA?
Please visit Retirement Accounts for the most up to date information.
For more information and additional assistance to set up a new account or to rollover an existing account, please call us at 302-739-4496 or visit our branch locations.
Can I have my loan payment deducted from my paycheck?
Yes. You may elect payroll deduction as a payment method! Automatic payroll deduction is a convenient option for members that:
- Makes saving easy
- Keeps loans current
- Helps to keep credit ratings in good standing
Deductions can be made to loans and share accounts, and funds received are posted the same day they are received by the companies.
To set up payment deductions, please call us at 302-739-4496 or visit our branch locations.
Can I make my loan payment online?
Absolutely! We offer several convenient online payment options to make your loan payment online.
Can I make my loan payment over the phone?
Yes! Make a payment by phone at 1-(302)-739-4496. If you elect to use a VISA/MasterCard credit/debit card or Discover card to make a payment over the phone, the fee is $10.00.
For additional payment methods, see our Make a payment page.
Pay your bills automatically with Online Bill Pay!
Follow the steps below to enroll today:
1. Login to Online Banking and click the Pay Bills tab
2. Click the terms and conditions link to open the disclosure, then click the CLOSE button. Check the box to agree and click the ACCEPT button.
3. Read the Privacy Policy, then check the I Accept box and click the Continue button.
4. Follow the steps to pay a bill, send money, or transfer between accounts.
And that’s it! You’re good to go.
How do I make a loan payment from another institution?
There are several ways you can make a payment from another financial institution. Please visit the Make a Payment page for more information.
How do I make a payment on my loan or credit card?
Visit Make a payment for payment options.
Where can I mail my auto loan payment?
You can make a loan payment by mailing or dropping off payment to:
Del-One Federal Credit Union
270 Beiser Blvd.
Dover, DE 19904
We also offer recurring automatic payments through ACH, payment by phone option at 1-(302)-739-4496, or through our website.
Where do I send an overnight credit card payment?
You may mail your payment to the following address:
Del-One Federal Credit Union
270 Beiser Blvd.
Dover, DE 19904
Can anyone join the Credit Union?
You are eligible to become a Del-One member if you meet our membership requirements.
For more information and additional assistance, please call us at 302-739-4496 or visit our branch locations.
Can I deposit a VISA gift card in my account?
No. Gift cards are to be used for purchases and cannot be deposited into your account.
Can I make a deposit to an ATM that is NOT the credit union ATM?
You can only make a deposit to a Del-One ATM. You can deposit checks or cash, though funds may not be available immediately.
Does Del-One use Zelle?
No, Del-One does not use Zelle services.
Do transfers always occur on the day or date I designate?
One-time transfers always occur on the date you designate.
Recurring transfers are scheduled transfers set up to happen on the same day or date each month (for example each 15th).
If one of these recurring dates falls on a non-business day (such as a weekend or Federal holiday), the transfer is processed on the next business day.
Do you offer a Downloadable Application?
Yes, we offer a downloadable application for iPhone and Android.
Requirements: To download the Mobile Banking application, your phone must have an operating system that supports application downloads and may require a data services plan.
Ready to go mobile?
In today’s age of technology, there’s no reason you should have to run out to a branch just to do something simple, like depositing a check. Handle all of your banking activities right from your mobile device! You can review account history, transfer funds, receive alerts, and more.
Learn more by visiting our Digital Account Access page or download the Mobile Banking app
Don’t have access to Online Banking? Register for Online Banking today.
Do you offer American Express Travelers Cards?
No, we do not offer American Express Travelers Cards.
How can I get a copy of my credit report?
You can get a copy of your credit report once annually on www.annualcreditreport.com.
For more information and additional assistance, please call us at 302-739-4496 or visit our branch locations.
How do Credit Unions differ from Banks?
Credit unions are not-for-profit organizations. This means that any profit the organization earns beyond operating costs is returned to the members in the form of better interest rates, low or no fees, improved and expanded services and facilities. That’s why we can often offer higher interest rates on savings and lower rates on loans than banks. The profit earned by banks is paid to owners and shareholders rather than to the bank’s customers.
Credit unions offer most of the same services that banks offer, but the services are named differently. A share draft account compares to a checking account, share certificates compare to certificates of deposit, and regular share accounts compare to savings accounts.
Ready to get started? Open your Del-One account today!
For more information and additional assistance, please call us at 302-739-4496 or visit our branch locations.
How is a Credit Union governed?
Credit unions are democratically run, and each member has one vote. Members elect the Board of Directors who represent the members for strategic decisions and planning within the credit union.
When you join a credit union, you get a say in how the organization operates. Each credit union’s organizing charter defines who is eligible to become a member. Members have something in common, usually an employer or place of residence.
Credit unions have a “field of membership,” a common bond that members have to share. Fields of membership can be defined by place of employment, church membership, or residence in a community, just to name a few.
For more information and additional assistance, please call us at 302-739-4496 or visit our branch locations.
How is interest calculated on cash advances or convenience checks?
Finance charges are imposed on cash advances as of the transaction date or the first day of the billing cycle in which posted, whichever is later.
My deposit does not appear in my account, or the amount is incorrect. Why?
Please contact our Contact Center at (302)-739-4496 or visit one of our branch locations so that we may investigate your issue.
What do you mean by risk-based lending?
Risk-based lending takes into account your credit score to determine your interest rate. The higher the credit score, the lower the interest rate.
What happens if the payoff amount is not submitted in full by the third party?
It is the member’s responsibility to pay off the balance owed. The lien will not be released on the title until the loan is paid in full as agreed upon in the loan documents. There are several ways you can make a loan payment:
Mail or drop off payment to:
Del-One Federal Credit Union
270 Beiser Blvd.
Dover, DE 19904
Set up recurring automatic payments through ACH
Make a payment by phone at 1-(302)-739-4496 or on our website on the Make a Payment page.
What is a Credit Union?
A Credit Union is a not-for-profit, member-owned and member-operated financial cooperative. We offer comprehensive financial services at very competitive rates and terms with the personal attention our members deserve.
For more information and additional assistance, please call us at 302-739-4496 or visit our branch locations.
What is your Federal Identification Number?
Our federal identification number is 510098799.
What is your mailing address?
The Del-One mailing address is:
Del-One Federal Credit Union
270 Beiser Blvd.
Dover, DE 19904
The physical address for FEDEX and UPS is the same.
What is your phone number?
All calls are directed through our Contact Center at 1-(302)-739-4496.
For more information and additional assistance, please visit our branch locations.
What is your routing / ABA number?
Del-One’s routing number is 231176554.
The routing number is also called an ABA number or routing transit number. You can find it in the lower left- hand corner of your checks. Financial institutions use routing numbers in order to process payments electronically such as Bill Pay, Wire Transfer, and Direct Deposit.
Please note: Your routing number must be paired with your correct account number to properly process an electronic payment.
Who owns a Credit Union?
The members are the owners of a credit union.
A Credit Union is a not-for-profit, member-owned and member-operated financial cooperative. We offer comprehensive financial services at very competitive rates and terms with the personal attention our members deserve.
Why do you pull credit for a new account application?
Pulling your credit is part of our process that allows us to properly identify an individual seeking to open a membership account.
What are your Holiday hours?
View our Holiday Hours on our Contact us page.
Do I need to provide you with proof of my Homeowner's Insurance?
Yes, all properties secured by a mortgage or home equity loan require proof of homeowner’s insurance. If your property is located in a flood zone, we will require proof of flood insurance coverage.
How can I get a mortgage pre-approval?
At application, we offer members the opportunity to lock in the rate or to float the rate and lock in at a later date prior to closing. Learn more about our Mortgages at Del-One Federal Credit Union.
How can I get more information on a 1st mortgage loan?
At Del-One Federal Credit Union, we are happy to offer the best mortgage options for you! Learn more about our Mortgages at Del-One Federal Credit Union.
How is my final mortgage rate calculated and when is that rate confirmed?
We will lock every member’s interest rate at the time of application and there is no lock-in fee. The rate will be guaranteed for a period of 60 calendar days.
How long does it take to get a mortgage loan?
Most loans take an average of 30 – 45 days from receipt of a complete application package to closing.
By providing your Mortgage Loan Originator with all of the required documents upfront, you will participate in expediting the process. Learn more about our Mortgages at Del-One Federal Credit Union.
If I get a 1st mortgage with the credit union, where will I do my closing?
If you obtain a mortgage with Del-One, your closing will be held at a title company/attorney’s office.
What is a form 1098 and when should I receive it?
The 1098 tax form reports the amount of interest paid on your mortgage loan during the tax year.
Note: If you paid $600 or more in interest during the year, this form will be sent to you by January 31st.
What is an escrow account?
An escrow account holds the amount added to the monthly mortgage payment in an amount sufficient to pay the Real Estate Taxes, Insurance premiums, and PMI when due. This account is established and held by the lender.
Learn more about our Mortgages at Del-One Federal Credit Union
What is Mortgage Insurance?
Mortgage insurance is an insurance policy that protects the lender in case the loan goes into default. Required on loans with a loan to value (LTV) greater than 80%. Mortgage insurance is also referred to as private mortgage insurance or PMI.
Can anyone get a loan from a credit union?
You must qualify for membership with the credit union to obtain a loan.
Can my loan be paid off by a third party?
Yes, anyone may pay off the loan. However, the title rights and/or responsibilities belong solely to the party listed on the title, unless otherwise specified. The lien will not be released on the title until the loan is paid in full as agreed upon in the loan documents. Check out our Make a Payment page or choose a payment method below to pay your loan:
Mail or drop off payment to:
Del-One Federal Credit Union
270 Beiser Blvd.
Dover, DE 19904
Set up recurring automatic payments through ACH
Make a payment by phone at 1-(302)-739-4496
Do you offer payday loans?
We offer CashPlease – a small-dollar, short-term loan.
How is interest calculated on a loan?
Our loans are simple interest. See our Online Financial Calculators to see potential costs.
How long does it take to get a loan approved once the application has been submitted?
A loan decision will be made within 24-48 business hours.
How much is the late fee on my loan?
Please refer to your loan contract to determine how your fee is assessed.
How will I know if I will need a co-signer?
Once you submit a loan application, the loan officer will advise if a co-signer is needed for approval.
I applied for a loan. When will I know if I am approved for a loan?
A loan decision will be made within 24 to 48 business hours. If your application can be approved, or if there is additional information needed you will be contacted by a representative. Please make sure the contact information you placed on your application is accurate.
For more information on the status of your loan, visit the Del-One website and click on ‘Check Status‘ at the top of the home page, stop by a branch or contact a member services representative, they will be happy to assist you.
Is there a grace period on my unsecured/personal loan payment?
Yes, there is a 5-day grace period on unsecured/personal loans before a late fee is assessed.
What is Premium Overdraft Protection?
Premium Overdraft Protection is an additional overdraft protection service for checking accounts. Review the Premium Overdraft Protection Disclosure on the disclosures page for more information.
For more information on how to set up Premium Overdraft Protection on your account, stop by a branch or contact a member services representative, they will be happy to assist you.
What items do I need to get a loan?
An application will need to be submitted along with proof of income and a valid picture ID. Additional information may be required.
What kind of loan do I need if I have no collateral for a loan?
An unsecured loan or personal loan is a loan that is not secured with collateral. These loans are primarily based on credit score and income.
Note: Your creditworthiness is heavily weighed.
Who do I contact if I can't pay my loan?
Please contact our Collections Department at (302)-739-8289 or visit a branch location.
What is Quick Cash (Cash Please)?
CashPlease® – A small-dollar, short-term loan. The Convenient Way to Manage Your Short-Term Cash Needs.
Do you have Club Accounts?
Yes, we offer Christmas Club and Vacation Club accounts.
Do you have special savings programs for my children?
Yes! We offer special savings accounts specifically for Youth / Students such as Student Checking, Youth Program and Coverdell ESA
How much money is required to open a savings account at the credit union?
Del-One offers fantastic and secure savings accounts that you can open with as little as $5.
What do I need to open an account for my children? Do they need to be at the credit union when I open the account?
If you are opening an account for your child, please bring your child’s social security card and a $5.00 opening deposit. If the minor has identification, please bring that as well. The child does not have to be present. Please note: To open a minor account online, your child must be at least 13 years old.
What identification is required to open an account?
To open an account, at least one official form of identification. The following valid, current picture IDs are accepted:
- Driver’s License
- Military ID
- State Issued ID
- Federal Government ID
- Employer ID
- Student ID
- Passport
- Alien Registration Card issued by U.S. Agency
What is the minimum balance required in my savings account to earn interest?
Competitive dividends on balances of $100 or more will boost your balance, so you can reach your savings goals faster.
Are you open on Saturdays?
Some Del-One branches have Lobby or Drive-Through hours on Saturdays:
For more information on branch hours or to find a branch location near you, visit our ATM and branch locator or call (302)-739-4496.
Can I make a coin deposit at the drive-up?
Please deposit coin inside the branch. We have coin machines available at all of our branch locations.
To find a branch near you, see our ATM and Branch locator.
Do you offer car or house insurance?
As a valued member of Del-One Federal Credit Union, you have access to affordable insurance solutions through TruStage. TruStage offers a variety of coverage options designed to protect your family and fit both your life and budget. Whether you’re looking for life, auto, or home insurance, TruStage provides trusted coverage for every stage of life.
Learn more and explore your options by visiting our partnership website with TruStage.
Do you offer Safe Deposit Boxes?
Yes, safe deposit boxes are available at the following branch locations:
- Smyrna
- West Dover*
- Milford
To find a branch near you, see our ATM and Branch locator.
Please note: West Dover safe deposit boxes may be accessed through self-service technology. All other boxes must be accessed with the assistance of a credit union employee. For more information please see our Member Benefits page.
Do you offer VISA gift cards?
Yes, we offer VISA gift cards. The fee is $3.50 per gift card. To obtain your VISA gift card, please visit one of our branch locations.
Please note: fees are subject to change. For up-to-date information on our fees, see our fee schedule.
Does Del-One participate in Shared Branching?
No, Del-One FCU does not participate in Shared Branching services.
Does the Credit Union accept or convert foreign currency?
No. We do not offer foreign currency exchange service.
Traveling?
Please contact us with the country/countries you are traveling to and the dates to allow proper use of the card. Once notified of your travel plans, we can ensure your credit and debit cards are frozen due to unexpected activity.
Fees may apply to foreign purchases. For more information, see our fee schedule.
Does the Credit Union have notary service? Is there a charge?
Yes, we offer free notary services to our members. To find a branch near you, see our ATM and Branch locator.
How do I make an appointment?
To make an appointment, click on the ‘Schedule an Appointment‘ button at the top right corner of the website home page.
How do I make automatic deposits/payments?
To make automatic deposits to your account, consider signing up for Direct Deposit. Click here to learn how.
To make automatic payments, use our Bill Pay service through Online Banking.
Be Prepared with the Following Information:
- Del-One routing number: 231176554
- Your account number
To find your checking account number, see the 10-digit draft ID on the bottom of your checks.
If you don’t have checks, call the Contact Center at 302-739-4496 with your member number to obtain the draft ID of your checking account.
Transactions with incorrect information may be returned unpaid.
How do I order savings bonds?
The credit union doesn’t offer savings bonds at this time. Please visit www.treasurydirect.gov for more information.
How do I send funds to another person?
The “Pay a Person” feature is available in Online Banking and Mobile Banking. Login to your online or mobile banking account and select “Transfer & Pay > Pay a Person” and follow the steps. The recipient will be notified via email or text message about the money being sent, along with instructions on how to accept the funds. The transaction is simple, safe and fast!
How do I use Bill Pay to pay my bills?
To pay your bills online:
Simply add the companies and people you want to pay through Online Banking’s Bill Pay tab. We use this information to make the payments for your bills.
After you add your bills, go to the Payments section to select the Payee and enter the amount, frequency, and date for the payment.
Below is some information to keep in mind when using Bill Pay:
- You only have to add the companies and people you want to pay once. The company or person remains in your list of bills until you delete the biller.
- You can make multiple payments at the same time from the Multiple Payments section.
- You can pay your bills from more than one payment account. However, you can select only one account at a time.
- When you enter an amount, Bill Pay automatically displays the earliest date the payee will receive the payment. You can accept this date or change it.
- Some payees let you make payments on the same day or the next business day.
- After you enter your payment information and click Next, we display it for review before you Confirm and Submit.
To set up bill pay:
Login to Online Banking, click the Transfer & Pay tab and then Bill Pay.
Click the terms and conditions link to open the disclosure and click ACCEPT.
Add companies and people you want to pay under Manage Payees.
How long does it take to process a wire?
Wires are processed within the same business day if received before 4:00 pm for Domestic wires
For up-to-date information on our wire fees, see our fee schedule.
Setting up a wire transfer?
Find the necessary information below:
Financial Institution: Del-One Federal Credit Union
Address: 270 Beiser Blvd Dover DE
Phone: 302-739-4496
ABA (Routing) Number: 231176554
For Final Credit to:
Member Name
Member Address
Deposit Account Number
For more information regarding wire transfers, stop by a branch or contact a member services representative. They will be happy to assist you.
How much cash can I withdraw from my account at a branch in one day?
We do not have a limit, however, for any amount over $10,000 we request advanced notice.
How much is the overdraft fee?
Find the current fees and service charges on our fee schedule. All fees are subject to change.
I have moved out of town. Do you have any locations near me?
To find a Del-One Branch, use our ATM and Branch locator.
Del-One Federal Credit Union is also part of the Co-Op Network, providing members with nearly 30,000 surcharge-free ATM locations throughout the United States.
To find a surcharge-free ATM near you, please see the CO-OP ATM locator.
I made a cash deposit at the ATM machine, why is it on hold?
All ATM deposits have a 2-business day hold.
Is my money fully insured at the Credit Union?
Deposits to your Del-One accounts are covered by two types of insurance. Both are automatic and free to every member.
- First, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration (NCUA), a U.S. Government Agency.
- Secondly, additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance (ESI), a licensed insurance company. If you keep more money at the credit union than the NCUA covers, ESI will insure up to an additional $250,000.00*.
*For Traditional and Roth IRAs ONLY: the Excess Share Insurance Corporation provides up to an additional $750,000 in coverage, for a total of $1 million in coverage between the NCUA ($250,000) and ESI ($750,000).
For more information and additional assistance, please call us at 302-739-4496 or visit our branch locations.
Is there a fee for an official check?
For up-to-date information on our fees, see our fee schedule.
You can obtain an official check made payable to a third party by visiting one of our branch locations. To find a branch near you see our ATM and Branch locator.
Is there a grace period on cash advances?
No, finance charges are imposed on cash advances as of the transaction date or the first day of the billing cycle in which posted, whichever is later.
I would like to cancel my appointment
If you would like to cancel or reschedule your appointment with one of our representatives, please give us a call at 302-739-4496.
What are the Credit Union's fees?
For up-to-date information on our fees, see our fee schedule.
What are the fees on your Savings Accounts?
All Del-One fees are subject to change and are updated regularly to provide members with the best value possible. Find a list of current fees and service charges on the Fee Schedule.
What are the safe deposit box sizes and fees?
For up-to-date information on our Safe Deposit box-sizing and fees, please see our fee schedule or visit our Member Benefits page.
Ready to open a safe deposit box?
Safe deposit boxes are available at the following branch locations:
- Smyrna
- West Dover*
- Milford
To find a branch near you, see our ATM and Branch locator.
Please note: West Dover safe deposit boxes may be accessed through self-service technology. All other boxes must be accessed with the assistance of a credit union employee.
What are your consumer account fees?
You can find our up-to-date fee schedule here, or on our website at the bottom of the page.
Visit our Share Rates or Loan Rates pages for up-to-date information on our rates.
What are your maintenance fees?
For up-to-date information on our fees, see our fee schedule.
What are your wire transfer instructions?
Please refer to the wiring instructions below:
Financial Institution: Del-One Federal Credit Union
Address: 270 Beiser Blvd Dover DE
Phone: 302-739-4496
ABA (Routing) Number: 231176554
For Final Credit to:
Member Name
Member Address
Deposit Account Number
For more information regarding wire transfers, stop by a branch or contact a member services representative. They will be happy to assist you.
What does GAP insurance cover?
Guaranteed Asset Protection (GAP) pays the difference between what you owe on your vehicle and what your insurance pays during a loss of the collateral. If the GAP insurance does not cover the full amount owed it is the member’s responsibility to make sure the loan is paid in full.
For further assistance, please call us at 302-739-4496 or visit our branch locations.
Remember, to get GAP insurance, you must have an Auto Loan with Del-One FCU.
What hours are you open?
You can view our convenient hours and locations by visiting our ATM & Branch Locator page.
What is an eStatement?
An eStatement is an electronic version of your paper statement.
Eighteen months of statements are available online through our Online Banking service starting with enrollment.
What is the difference between an overdraft fee and an insufficient funds fee?
An overdraft fee occurs when you spend more than what you have in your checking account. The credit union will still cover the payment, but your balance will become negative. In exchange, the credit union will charge you a fee and make you repay the amount they covered.
An insufficient funds fee (sometimes referred to as a nonsufficient funds fee or NSF fee) can occur when a member simply does not have the available funds in their checking account to cover the entirety of the transaction they are trying to make, and as a result, the credit union denies the transaction.
What is your current interest rate on a savings account?
All rates are subject to change. To find the current savings interest rates, click here to view our Rates.
What kinds of transfers can I make?
The kinds of transfers you can do with Del-One FCU include:
- Immediate – a transfer that is attempted immediately
- One-time – a transfer that is made on the date you specify
- Automatic – a recurring transfer that occurs at your specified frequency as many times as you indicate
You can always do transfers within online banking and mobile banking under the “Transfer & Pay” tab.
When applying for membership in the credit union, what identification is required at the time of application?
To open an account, you will need:
- To Complete a Membership Application
- Proof of eligibility
- Non-expired State issued picture identification
- $5 to open a share/savings account
For more information and additional assistance, please call us at 302-739-4496 or visit our branch locations.
When are dividends paid to members?
Dividends are paid monthly.
Where are you located?
The Del-One corporate office is at 270 Beiser Blvd., Dover, Delaware 19904.
To view our other convenient branch locations, click here
Where are your ATMs located?
To find an ATM near you see our ATM and Branch locator.
Out of town? No Problem!
Del-One Federal Credit Union has several convenient branch locations throughout the state and is part of the Co-Op Network, providing members with nearly 30,000 surcharge-free ATM locations.
To find a surcharge-free ATM near you, please see our CO-OP ATM and Branch locator.
Where is my electronic statement?
Your eStatement can be viewed in Online Banking by clicking on the “Accounts” tab, and then clicking “eStatements“.
Where is your Schedule of Fees?
You can find our current fee schedule, or on our website at the bottom of the page.
Looking for our current rates?
Visit our Share or Loan Rates pages today!
Protect yourself from overdraft fees with Overdraft Protection!
If you are trying to make a purchase but don’t have enough in your checking, Del-One can link one of your other Del-One accounts as an overdraft source. Rather than declining the transaction, we’ll move the funds to your checking and your transaction will still be paid.
Please note: There is a $5 fee per overdraft transfer.
For more information on how to set up Overdraft Protection on your account, stop by a branch or contact a member services representative.
Which branches have coin machines?
Coin machines are available at all of our branch locations. To find a branch near you see our ATM and Branch locator.
Do you offer options to refinance student loans?
We offer options for student loan refinancing through a partnership with Student Choice. Visit Student Loan Refinance for more information.
Do you offer scholarships?
Yes! We reward two $2,500 scholarships to Delaware high school seniors each year.
We will award scholarships to students who demonstrate the following:
- Academic excellence
- Community involvement
- Credit Union participation
- Financial need
Review the eligibility requirements and apply for the scholarship opportunity today!
Do you offer student loans?
We offer student loans through a partnership with Student Choice. Visit Student Loans for more information.
How can my teenager obtain a loan?
Eligibility for loans requires members to be at least 18 years of age.
If a member is under the age of 18, can they apply for a loan, VISA debit card, or overdraft protection?
Members under the age of 18 cannot apply for a loan.
We currently offer Youth Savings Accounts for children up to 18 and checking accounts for Students 13 to 21.
Please note: Members who are 13 to 17 years old may have a checking account with a debit card but an adult joint owner must be on the account.
Can I refinance my auto loan with the credit union?
Yes! We do offer refinancing on existing auto loans!
Please view our Auto Loan page for more information.
Do I have a grace period on my Auto Loan payment?
Yes. Vehicle loans have a 10-day grace period before a late fee will be assessed. For more information and additional assistance, please call us at 302-739-4496 or visit our branch locations.
Do I have to go to a specific dealership to buy my vehicle?
No! You may use any dealership you want. However, we do partner with a variety of dealerships for quicker approval when buying your car. Check out our list of our Dealer Partners.
Do you offer boat loans?
Yes! We offer new or used boat loans for personal use. Get where you need to go with competitive rates and flexible terms! Check out our current loan rates.
Do you offer classic car loans?
Yes! We will finance classic automobiles. Vehicles must be of current or previous model years dating back to 1926 and listed in the NADA Classic Car Guide or produced as a limited edition.
Check out our current auto loan rates. When you’re ready, please view our Auto Loan page for more information and to apply.
Do you offer motorcycle loans?
Yes! We offer financing for motorcycles. Get where you need to go with competitive rates and flexible terms!
Please view our Auto Loan page for more information.
Do you offer no down payment auto loans?
Yes! We offer Auto Loans with no down payment! However, a down payment may be required under certain conditions. Find out more information about Del-One Auto Loans and view our current auto loan rates.
How do I obtain a payoff after my last Auto Loan payment?
You may obtain a payoff through online banking, telephone banking at 302-739-2391, at any branch location, or by calling our Contact Center at 302-739-4496.
How do I payoff my car and get the title?
You may mail or drop off the final payment at any branch location! The title is typically sent to you within 10 business days.
How do I qualify for an auto loan?
A loan application must be submitted for review to qualify for an auto loan. Visit our Auto Loans page to apply.
For more information and additional assistance, please call us at 302-739-4496 or visit our branch locations.
Not already a member? Join us today!
Complete the membership application or visit any of our branches with the following:
- Proof of eligibility
- Driver’s License
- $5 deposit
Not sure if you are eligible? Take our Eligibility quiz or visit our Become a Member page to learn more!
How much can I borrow on an auto loan?
The loan to value (LTV) is based on your credit score and the MSRP for a new auto and the NADA Retail for a used auto. Find out more information about a Del-One auto loan and view our current auto loan rates.
I want to refinance my car loan from another lender. Do I need an appraisal on my car?
No, you do not need an appraisal. Del-One will use the NADA Retail value.
Please view our Auto Loan page for more information.
Is there a pre-payment penalty on car loans?
No. There is no pre-payment penalty.
If you are ready to pay off your loan, you may obtain a payoff through online banking, telephone banking at 302-739-2391, at any branch location, or by calling our Contact Center at 302-739-4496.
What are the insurance requirements for an auto loan?
Collision and comprehensive insurance is required on all vehicle loans until the loan is paid in full. Insurance coverage must cover the amount of the loan balance and we recommend the deductible be no more than $500. Del-One must be listed as loss payee.
Failure to maintain the required insurance coverage may result in the force placement of physical damage insurance at the member’s expense or the repossession of the vehicle.
What are your auto loan rates?
Visit our Current Loan Rates page for up-to-date Auto Loan rates. Not already a member? Join us today! Complete the membership application or visit any of our branch locations with the following:
- Proof of eligibility
- Driver’s License
- $5 deposit
Not sure if you are eligible? Take our Eligibility Quiz or visit our Become a Member page to learn more!
What do I need to be approved for an auto loan?
All you will need to submit is a loan application! If you do not know the vehicle information, you may get pre-approved. Ready to get started? Visit the Auto Loans page to apply.
What happens when I'm approved for an auto loan?
You will be contacted by one of our representatives upon approval of your loan. For more information and additional assistance, please call us at (302)-739-4496 or visit one of our branch locations.
