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AWESOME People Deserve an AWESOME Checking Account!

That’s exactly what you will find with Dover Federal's AWESOME Checking. This AWESOME account allows you the convenience and accessibility to your money that you need, without the fear of excessive fees and the worry of maintaining a minimum balance requirement. Stay in control of your finances at all times, with an account that offers the convenience of FREE online and mobile account access, FREE bill pay and surcharge free access to 55,000+ ATMs, just to name a few.  With an AWESOME Checking, the benefits are endless.

The added benefits of ADVANTAGE Checking will allow checks, ACH payments, bill-payments and point-of-sale transactions, to be paid against your account in the event you may not readily have the balance available.  Instead of returning an item for non-sufficient funds, Dover Federal may pay the item, thereby saving you an additional return item charge from the merchant as well as a non-sufficient funds fee.  

As long as you maintain your checking account in good standing (defined as making regular deposits and bringing your checking account to a positive balance at least once every 30 days, and there are no legal obligations on the account), Dover Federal may honor overdrafts up to the Advantage Checking limit on your account. If you use Advantage Checking, you should remember that the Credit Union’s normal overdraft (NSF) fee of $30 will be assessed for each transaction and will be included in your limit. No interest will be charged on the overdraft balance.

Please note: We may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you. 


You can save time, checks, and postage by paying your bills electronically with Dover Federal's free Online Bill Pay. Set up recurring or one-time payments to virtually anyone with just a few clicks of your mouse. All payments are deducted from your Dover Federal Checking Account on the date you specify. It is easy to set up through My Account Online Account Access! (You must use your Member Number. Do not use the account number printed on your checks.)

Thanks to everyone for the feedback on the improvements to our Online Account Access Site! One of the great features is Secure Messaging - now you can contact us about your account with all the safety that our online banking platform offers. You will receive a response from one of our friendly, local employees - usually within 24 hours! Secure Messaging is an easy, fast way to update your phone number and address, too!

Check balances, transfer money, and make loan payments through our automated teller, Maxine. This easy-to-use system can be accessed from any touchtone phone. Simply dial 302-678-8024 or 800-818-3328. See the "telephone tree" for the simple step by step process to access your account.

You can access your Credit Union account via the Internet using your 24/7 Phone Access PIN (Personal Identification Number) and your Dover Federal Credit Union Member Number. Check your balance, review transactions, and handle routine banking from the comfort of your computer.

At Dover Federal, we know how busy your life can be. That is why we offer mobile banking with a full range of services that you can access through your phone or mobile device. You do not even need a special app on your smart phone. Just access our online banking page at online.doverfcu.com and go to the self service tab and then click on sign up/manage my mobile money to enroll.

  • Check Your Account Balance And History
  • Remote Check Capture
  • Schedule Or Modify A Transfer Or Bill Payment
  • Receive Messages Or Account Alerts on Your Mobile Device
  • Locate ATMs Or Branches In Your Area
  • Access Popmoney®
  • And More!

Dover Federal's Mobile Apps are now available for both iPhone and Androids. With the Dover Federal Mobile App, you can manage your money anytime and anywhere from your mobile device to securely:

  • Check your account balances
  • View recent transactions
  • Transfer money between your accounts
  • Pay bills
  • Find ATMs and branch locations
  • And much more.....

App Store   Google Play

Debit Card

Use Dover Federal's Debit Card instead of writing checks. It is accepted worldwide at traditional or online merchants that display the MasterCard® logo. You may also use it to withdraw cash from any ATM that displays the MasterCard® logo. All transactions are deducted from your checking account and are detailed on your monthly statement. View the locations of our ATMs.  

Card Valet®

With the CardValet® app, you can save time and rest easy by controlling the cards in your wallet with the phone in your pocket.  Dover Federal is pleased to offer Card Valet on all Debit and Credit Cards. Learn more about Card Valet.

Savings Jar: Round Up Your Savings

Ever find it a challenge to save? What if every time you made a purchase using your debit card also meant you were saving with every swipe? With Savings Jar from Dover Federal you can do just that, all without ever having to think about it. Your savings keep growing automatically as you spend.

With Savings Jar:

  • Save with every debit card purchase you make that ends with cents by having the rounded up balance added to your savings account overnight.
  • Grow your savings over time and use it for groceries, big purchases, vacations, or anything else you want!
  • Easily sign up through Online Banking (under Settings > Account Settings) or opt out if you change your mind.
Savings Jar

Receive Member and/or Credit Card Statement, Tax Form(s), Certificate Maturity, Delinquency, and Billing Notices Electronically! Once complete, you will be able to view your account and credit card statements, tax forms, regulatory disclosures, and daily notices at your fingertips.

1. Click on "LOGIN TO MY ACCOUNT" to enter your Home Banking site and continue the enrollment process

2. In the Home Banking site: Click the Accounts tab Click on eStatements Click on view eStatements Enter you email address and click "I Agree" to receive electronic notices and statements We will notify you via email when your statement/tax form and/or notices are ready for viewing

Your paycheck, benefits check, social security check, or retirement check can be automatically deposited into your Dover Federal account. Funds are available to withdraw the morning of your pay date. Plus, you will never have to worry about your check getting lost or stolen.

To enroll in free Direct Deposit from an employer, download and print the enrollment form and submit the form to you employer's payroll department. 

To enroll for Direct Deposit of your Social Security, Supplemental Security Income, or Railroad Retirement Board benefits to your Dover Federal account, choose "Get Direct Deposit" on the Go Direct website and complete the registration steps.

Payroll Deduction allows you the ease and convenience of setting aside a certain amount each pay period to be deposited to the account(s) of your choice at Dover Federal.

To enroll in Payroll Deduction, provide DFCU Routing/Transit Number 231176648, the Member Number from your membership card, and your selection of either savings or checking account for the deposit to your employer.


Dover Federal Fraud Text Alerts

With Dover Federal fraud monitoring, keeping your card safe is as easy as sending a text. Our text alert service* allows you to instantly keep tabs on suspicious card activity.

How It Works

With text fraud alerts, if our system detects suspicious activity on your card, you’ll receive a text message with details about the suspected transaction. All you have to do is respond to the text to confirm the transaction.

If you indicate the transaction is fraud, you’ll receive another message with a number to call for follow-up. If not, you’re all set. The system will mark the transaction as legitimate and you can get on with your day – simple as that.

Getting Started

If we have your mobile phone number on file, you don’t have to do anything. It’s really that easy. If there is suspicious activity, we’ll send a text alert right away. If you need to verify or update your mobile phone number please contact us.


Digital Wallet

Dover Federal Mastercards support Apple Pay, Samsung Pay, and Google Pay digital wallet solutions. See below on how to setup your digital wallet or learn more about these digital payment options.

Apple Pay

Apple Pay™

Apple Pay is cashless made effortless and works with all the Apple devices you use everyday.


Google Pay

Google Pay™

Pay quickly and securely with Google Pay using the payment methods saved to your Google Accounts.


Samsung Pay

Samsung Pay™

Carry your favorite cards on your Android devices so you can pay in-person, in-app or online.


*Message and data rates may apply.