A Dover Federal Credit Union checking account provides convenient access to your money. Our service includes features like the MasterMoney® Debit Card, extensive ATM access, direct deposit, online account access, and Bill Pay, all at no additional charge to you.

Meet Maxine, Dover Federal Credit Union's Telephone Teller

If you have been using our automated telephone services, you have come to appreciate the convenience of telephone banking. Transferring money, checking your balances, or even making loan payments can be done from the comfort of your own home just by dialing our number.

Now telephone banking is even easier thanks to Maxine, Dover Federal's new automated telephone teller. Instead of making the trip to one of our locations, simply give us a call and Maxine will be waiting to assist your every banking need. With a friendly manner and easy-to-use system, Maxine will help you accomplish your banking tasks in no time!

Please view the "telephone tree" for the simple step by step process to access your account with our new system. Call 302-678-8024 in Kent County or call 800-818-3328 outside Kent County.

My Account Online Banking

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..

It's Easy And It's Free

  • Check Account/Loan Balances

  • View Detailed Account/Loan History

  • Make Transfers (Accounts And Loans)

  • View Year-To-Date Information On Accounts/Loans

  • Query Loan Payoffs

  • Utilize Various Check Services:

  • Check History

  • Check Status Inquiries

  • Place Stop Payments

  • Quicken/MS Money Downloads

Online Bill Pay

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 Banking! (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 Banking 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!

Mobile Banking

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 and go to the self service tab and then click on sign up/manage my mobile money to enroll.

Available services include:

  • Check Your Account Balance And History

  • 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!

Check out our Mobile Banking Service today!

Mobile Apps

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.....

Use the links below to download the app today!


Popmoney® is available with Online Banking and Bill Pay. It allows you to safely send money via text message or email to anyone with a U.S. bank or credit union account. If you need to send money to family, friends, babysitters, relatives in the military, or a child at college, Dover Federal's money transfer function makes sending money inexpensive, safe, and easy. Get started with Popmoney® today! Click here here for more details.


Sign up now for eStatements. Once complete, you will be able to view your account and credit card statements, tax forms, regulatory disclosures, and daily notices at your fingertips.

Account Reconciliation Summary Form

We have eliminated the Account Reconciliation Summary from your member statement in order to reduce the amount of pages you are receiving. Please use this form for your reconciliation in the future. The forms are also available in our branch offices.

Account Reconciliation Summary Form

Switch Kit


We have written up some form letters to help make your change-over easier. Use these convenient Switch Kit forms to close your accounts and change your Direct Deposit and automatic withdrawals. If you need help completing any of them, just stop by Dover Federal Credit Union or give us a call.

Dividends Paid From $500 .05%
Account History/Activity Printout $5.00
Account Reconciliation/Research $20.00 per hour (1 hour minimum)
ATM Foreign Transaction Surcharge $2.50
ATM Withdrawal/Transfer:
In Excess of 8 per Month (per item)     
No fee on-us
$1.00 over 8 on others
ATM/Debit Card Annual Fee N/C
ATM /Debit Point Of Sale Withdrawals N/C
ATM/Debit NSF/Withdrawals In Excess of Available Funds $30.00
Automatic Transfer to Cover Overdrafts (per occurrence) $3.00
Closed Account Fee (if open less than 6 months) $5.00
Document Research $20.00 per hour (1 hour minimum)
Dormant Account Fee (after 5 years) $75.00
Minimum Balance N/C
Monthly Service Charge N/C
Per Check Writing Charge N/C
Returned Check Orders (each box) $10.00
Returned Deposited Items (Self) $20.00
Returned Deposited Items (Third Party) $20.00
Returned Statement Fee $10.00
Rush Card Order $45.00
Rush PIN Mailer $20.00
Statement Copy $5.00
Stop Payments/ACH (all items) $30.00
Verification Of Deposit $10.00 per VOD

ATM Access


ATM Card

Dover Federal's ATM Card allows you to access your accounts 24 hours a day to make cash withdrawals, deposits (this service may not be available at all locations), transfers, and balance inquiries at ATM machines nationwide. There is no charge for up to 8 ATM transactions per month when you use a local Dover Federal ATM.

To report your ATM card as lost or stolen, call toll-free 888-818-3328 during business hours and 800-472-3272 after business hours.

MasterMoney® Debit Card

Use Dover Federal's MasterMoney® 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. To view the locations of our ATMs, click here.

MasterCard® SecureCode™ puts you in control when shopping online because only you can approve purchases using your private SecureCode™. Your SecureCode™ enhances your MasterCard® account by protecting you against unauthorized use of your card when shopping online at participating online retailers.

To register for MasterCard® SecureCode™, manage your current MasterCard® SecureCode™ account, or view a list of participating online stores, click here.

Direct Deposit

Save time spent waiting in line by signing up for Direct Deposit. Your paycheck, benefits check, social security check, or retirement check will automatically be 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, click here. (Members must print out the Direct Deposit Authorization Form and submit the form to their 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.

The Direct Express® logo. Go Direct® and Direct Express® are registered trademarks, and the Go Direct® logo are service marks of the U.S. Department of the Treasury, Financial Management Service (used with permission).

Payroll Deduction

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.

Advantage Checking and Overdraft Protection

Unexpected expenses or unforeseen problems can sometimes leave you with too little cash in your checking account, causing declined transactions or returned checks. At Dover Federal we want to do our part to prevent this from ever happening to you. That is why we created Advantage Checking.

Advantage Checking is a no-additional-cost overdraft privilege that is available 180 days after you open your account. It is open to all your household checking accounts and requires no action on your part other than simply keeping your account in good standing (making regular deposits, having a positive balance once a month, and being free of legal obligations on the account). Your assigned overdraft privilege amount (Advantage Checking Limit) handles the overdraft. Please note that Dover Federal's standard overdraft fee ($30) for each transaction will be included in your limit and that no interest will be charged on the overdraft balance.

We authorize and pay overdrafts for checks and other transactions using your checking account number as well as automatic bill payments. We neither authorize nor pay overdrafts for  ATM or one-time debit card transactions unless you ask us to. Overdrafts above your established Advantage Checking limit will result in a check or checks being returned to the payee and the $30 overdraft fee per check will be assessed to your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.  If you use your ATM or debit card and the transaction is greater than the available funds in your checking account, payment may be refused and fees assessed.

If we do not authorize and pay an overdraft, your transaction will be declined. If you wish to authorize and pay overdrafts on debit card transactions, complete and submit this form. After an overdraft has occurred, you should make every attempt to bring your account to a positive balance as quickly as possible. If you cannot do so within 30 days from the overdraft, your Advantage Checking privilege will be removed. We reserve the right to close your account and seek to recover funds if your balance has not been brought into positive status after a time.

To determine your Advantage Checking limit, contact your nearest Dover Federal branch.

Opt-In Required For Certain ATM And One-Time Debit Card Transactions

Effective August 15, 2010, changes to Federal Regulation made it a requirement for financial institutions to have your permission to overdraw your checking account for an ATM or one-time debit card transaction. Without your opt-in consent, transactions that would overdraw your account would be declined. The opt-in process is easy. You may notify us via secure messaging on our home banking site, telephone our call center toll free at 888-818-3328, visit any of our branches, or you may click here for a form that can be completed and faxed to us at (302) 678-4391.

Card Valet®

Control Your Card From the Palm of Your Hand!

Dover Federal is pleased to offer Card Valet on all Debit and Credit Cards. Control the use of your card, with an App that allows you to:

  • Lock & Unlock Missing Cards

  • Limit Transactions to Geographic Location

  • Set and Remove Spending Limits

  • Get Purchase Alerts in Real Time

  • Access Account Details

  • Set Up Alerts

  • Review Transactions

  • Limit Transactions by Category
    (Food, Gas, Clothing, etc.)

Download the CARD VALET APP today to GET STARTED.

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Dover Federal Credit Union • All rights reserved 2017
Dover Federal Credit Union is an Equal Opportunity-Affirmative Action employer.