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Digital Banking Launch

Older couple high five each other in front of laptop while holding bills

A New Online Banking Experience

Need-to-know information for DNCU members.


A New Mobile App Experience is Coming

December 2022  will bring an update to our mobile app navigation, take a look at the video below to see how things will change.

Introducing The New Online Banking Experience At DNCU

With a variety of exciting features such as seamless functionality, innovative banking tools, and account aggregation, our new digital banking platform is another way that we’re adding value to your DNCU membership in 2022.

New Features

A quick look at just a few of the benefits for our online banking members.

  • Safe

    Aggregate Accounts

    View all your accounts, internal AND external, in one place.

  • Card In Hand

    Credit Card Management

    Easily view your credit card information, manage travel notifications, alerts, etc.

  • Megaphone

    More than A Score

    View your credit score right from your online banking dashboard and test how adding a credit card or paying down debt affects your score in a credit simulation.

How To Prepare

Steps you can take now to get ready for the new online banking experience.

Please note that registration for the new service will be necessary for all DNCU online banking users. In order to determine your appropriate method of registration, it is important that online banking users identify and prepare the following information:

  1. The primary account owner
  2. Any joint account owner(s)
  3. Your oldest existing account with DNCU
  4. The accuracy of your contact information

The primary account owner name appears in the main address window of your monthly account statement. Joint account owner(s) names appear in the Account Summary section:

Image of a typical banking statement from DNCU


Online banking users are also advised to identify their oldest existing account with Del Norte Credit Union. If you need help in doing so, please reach out to us at 1-877-818-DNCU (3628) or visit a DNCU branch in-person and a DNCU representative will be glad to help.


More Tips On Preparing For The New Online Banking Experience

Transition Resources

Additional guidance and instructions for DNCU members including Bill Pay, External Transfers, Money Management, and more.

If you have an existing username for online banking and you are the primary owner of your account at Del Norte Credit Union please follow the steps in the orange text.

If you are a joint owner on this account, but you also have your own primary account, please also follow the steps in the orange text.

If you are a joint owner, and you DO NOT have your own account, please follow the instructions in the purple text.

During the new mandatory registration process, please download the new Del Norte Credit Union app or navigate to You may simply enter your existing username (tied to your oldest online DNCU account if you have multiple accounts) and password and click login to begin the process.

This will generate a one-time temporary password that you will receive via SMS, Voice, or email. After you enter the one-time temporary password, you will receive a prompt to reset your password.

Your new password must meet the minimum requirement listed below:

Username guidelines for online banking at DNCU

As part of this upgrade, all account users will have their own online banking login privileges.

Joint account owners are required to register for the new online banking service. The following information is necessary for joint account owners to successfully complete this process:

  • Zip Code
  • Social Security Number
  • Date Of Birth
  • Last name

To register, please use our app or navigate to our website at and follow the instructions below:

  1. Select LOGIN (located near the top right hand corner of your screen on desktop versions)
  3. Select Register

You will then be prompted to verify protected information that matches the information on your account and accept the disclosure for Online Banking Access. 

To keep your account secure, we have specific username and password requirements. Please reference the chart listed above.

Browser and Device Support

Access your accounts via desktop, tablet, or mobile devices anytime, anywhere. For an optimal experience, make sure your devices are using the most updated versions of software available.

● Browser Support – Make sure your browser is within the latest 2 versions (Chrome, Edge, Firefox) or the latest 2 major releases (Safari). Please note, Internet Explorer 11 does not support online banking and standards that are implemented in newer browsers.

● Device Support

  • Windows: Versions still supported by Microsoft & support a browser listed above
  • OS X: Versions still supported by Apple & support a browser listed above
  • Android: Version 7.0+
  • iOS & Safari: Last 2 major releases

Please note that for most users, Bill Pay information (not including External Transfers) will automatically transfer to the upgraded online banking system.

After February 14, the current Bill Pay service will be inaccessible for editing transactions or creating new payments. Your previously scheduled transactions will be processed as normal. 

Following the launch of the new online banking system, please log in to verify that payee information is accurate and that all scheduled transfers, including payment amounts and dates, are correct.

To add bill payees, make payments, or manage bill payee or sender information in the new online banking system, please refer to the instructions below:


Within the BillPay Dashboard:

  1. Click the Add Payee button
  2. In the pop-up box, select Business and click NEXT
  3. Enter the name of business and the zip code
  4. Select a Default Funding Account and click NEXT


Within the BillPay Dashboard:

  1. Click the Add Payee button
  2. In the pop-up box, select Person and click NEXT
  3. Enter the payee’s address, phone number, nickname, and click ADD PAYEE

NOTE: Duplicate payees will be rejected if the nickname, account number, and address are identical.


The Make A Payment tab allows you to schedule single and recurring payments to the selected payee:

  1. Choose which account will fund your payment
  2. Enter the amount you wish to pay and frequency of the payment
  3. Choose the start date and add any optional memo
  4. Once the payment is submitted, please confirm and submit payment.


(Default Funding Account)

Within Bill Pay:

  • Utilize the Manage tab by clicking the Edit (pencil) icon in the Payee Information or Sender Information and save the changes.
  • To delete a payee, click on the Delete Payee link and select the Delete Payee button.

For help with bill pay, please call 877-885-2358.

In order to verify account access credentials, DNCU members are asked to input their external transfers information in the upgraded online banking system. Details of current external transfers will not automatically transfer to the new system.

NOTE: Members should also remain aware of due dates for any loan payments that are processed as external transfers.

External transfers will continue to be processed until February 23, 2022. Please use the new online banking system to arrange for all external transfers after this date by using the Quick Guide below:

To add an external transfer account that is outside of Del Norte Credit Union:

  1. Select Transfers and click on the Classic tab.
  2. Click “Add an external account” located below the To Account field.
  3. Select “At another bank” from the dropdown menu. The “Add Account at Another Bank window is displayed.
  4. Enter an Account Type, Routing Number, Account Number, and Nickname.
  5. Review the ACH Transfer Policy information and check Agree to continue.
  6. Click the Save button to add the account or click the Cancel button to close the window.

Screenshot of external transfers in DNCU's new online banking system

The system will send two trial deposits to the account. This process may take up to three business days to complete. Before the account can be added to your profile, you must confirm the value of the first and second trial deposit.

The Financial Wellness page provides end-users with a singular, trusted landing spot to review and manage their savings goals within online banking.

Savings Goals

If no savings goals exist, the initial landing page will display an animated visualization inviting the end user to Create a Savings Goals. By selecting the Create a Savings Goal button the end user will begin the Add Goal flow.

Savings Goals option in Financial Wellness

If there are existing Savings Goals, the landing page will open with a list of goals, grouped by account, and shown in cards.

Screenshot of Savings Goals feature in online banking


Adding a Savings Goal

To add a new savings goal on Desktop, the end user clicks the Create a Savings Goal button if no goals currently exist. If goals already exist, the end user clicks the Add a Goal button.

The Add Goal window will display and you must select a Savings account for the goal. Once the account is selected, click Next.

Select a category to set for the goal and click the Next button. Click the Goal Icon to add an image (this step is optional).
Then, enter the Goal Name, the Goal Amount, and an optional Target Date. When all of the goal details are filled in, click the Create Goal button. A success message will display, indicating the goal was successfully created.

Adding A Savings Goal Step 1 Adding A Savings Goal Step 2Adding A Savings Goal 3

Savings Goals Cards

If you have an existing Savings Goal, the landing page will display a Savings Goal Card that can be expanded to show additional details about that goal. Each card will contain details on the account, the object of the goal, and the progress made towards the goal.

The account details show the associated savings account name, a masked account number, and the total balance of that account.

To the right of the goal name is a display showing the completed amount of your savings goal and just underneath the goal name shows the total progress of the goal as a percent. Based on your saving habits, the projected completion date estimates when you will meet this goal if you keep with the same frequency of saving towards the goal.

Existing Savings Goal Card

In order to use your Quickbooks account with DNCU’s new online banking service, you may be required to first make your existing DNCU account inactive inside your QuickBooks account.

After your existing DNCU is inactive, you may proceed to re-establish your QuickBooks account’s connection to your DNCU account. Look for additional conversion tips inside the new online banking service at

When you’re ready to make an account inactive: 

  1. Go to Settings and select Chart of accounts. 
  1. Find the account you want to delete. 
  1. Select the Action ▼ dropdown and select Make inactive. 

Learn how to connect your bank and set up online banking for QuickBooks Desktop

Online banking is a feature that lets you connect your bank to QuickBooks. Then, you can download transactions and use online banking services within QuickBooks. There are two ways you can connect to online banking: Web Connect and Direct Connect. 

If your bank offers both services, you might be wondering which suits you best. Here’s a comparison: 

Web Connect 

  • QuickBooks opens a browser window to your bank’s website.
  • From there, you can sign in to download your transactions in a .qbo file, then import it to QuickBooks. 

Direct Connect 

  • Download your transactions within QuickBooks. 
  • Pay bills within QuickBooks. 
  • Transfer funds to another account within QuickBooks. 
  • There may be applicable fees, depending on your bank. 

We’ll show you how to set up both Web Connect and Direct Connect. 

Step 1: Prepare 

Before you begin, make sure that: 

  • QuickBooks is connected to the Internet. 
  • Your bank provides online banking services to QuickBooks. 
  • You have an online banking account set up with your bank. 
  • (Direct Connect) You have your customer ID and password/PIN ready. You can get your credentials from your bank. 

Step 2: Set up Web Connect or Direct Connect 


  • QuickBooks doesn’t support multiple customer IDs with the same bank. 
  • You can only set up one customer ID per bank, and per company file. 

You can download transactions from these account types: 

Bank account type  Account type in QuickBooks 
Checking  Bank 
Savings  Bank 
Money market  Bank 
Line of Credit  Bank, Other current liability 
Credit card  Credit card 

Set up Web Connect 

Set up Direct Connect 

Get started with online banking 

Check out these articles to get you started with QuickBooks online banking. 

YouTube Tutorials: 

How to connect your bank & credit card accounts to QuickBooks Online 

It is imperative to ensure that your contact details, including telephone number(s) and email address(es), are accurate and up-to-date.

You can update your contact information using any of the following methods:

  • Log into your current online banking account at using your web browser. Look for the “My Settings” link in the top right hand corner.
  • Open the DNCU mobile app, select the “More” option, the gear icon and then choose “My Settings”.
  • Visit any DNCU branch in New Mexico and speak with a DNCU representative.
  • Call DNCU Member Support at 1-877-818-DNCU (3628)

Do you have questions regarding the above information or other issues related to the upgraded online banking system? Call us at 877-818-DNCU (3628) or visit the Contact Us page for additional ways in which you may communicate with DNCU Member Support.

Thank you for your attention to the above and for your ongoing membership with Del Norte Credit Union. We’re looking forward to continuing our relationship as your ideal partner for a better future this year and beyond.

Frequently Asked Questions (FAQ)

All of your current account information will transfer over securely to the new system. Once you log in, you’ll immediately notice a change to a dashboard layout which gives you a convenient, snapshot view of your accounts.

The biggest and best difference is that most everything you can do on the online platform can now be done on mobile, providing a seamless banking experience so you can easily manage your money from a single device. Even better, our new service offers a suite of user-friendly tools for doing everything from everyday banking to achieving long-term financial goals.

We are working to resolve this issue with Android. The app is updated and correct, only the name is wrong. Thank you for your patience.

Yes. If there is a shared account that you do not see under your login, please contact us directly.

Yes, you are able to change your username and password by navigating to Settings.

Yes, you will.

  • Android mobile device – Delete the old application from your phone and download the new version from the Google Play Store.
  • iOS mobile devices – Delete the old application from your phone and download the new version from the App Store.