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Dane County Credit Union proposes partnership with Heartland Credit Union.

Account Conversion Details

Important Account Changes Ahead

Account Conversion Mailer

Your Dane County Credit Union accounts are converting to Heartland Credit Union accounts in early October 2022. Not everyone loves change. We get that. But don’t worry, we’ll help by outlining the necessary changes and the steps you will need to take for a smooth transition.

Why? In the early part of 2022 Dane County Credit Union (DCCU) members voted in favor of a partnership with Heartland Credit Union. Together, we look forward to providing better products, services, and world-class security to all DCCU and Heartland members. In order for our credit unions to operate as one, accounts and services need to align.

We sincerely thank you for your patience during this transition and for taking time to update your accounts and services.

DCCU Members Who ALSO Currently Have a Heartland Credit Union Account - FAQs

What happens to my accounts? ?

Your DCCU accounts will now be HCU accounts. They will remain separate accounts and will retain your DCCU account number (members whose account numbers changed were notified). Your current Heartland Credit Union accounts will not be affected.

What will my online and mobile banking look like?

You will see all your accounts that you are connected to on Heartland Credit Union’s online and mobile banking. Use your current HCU username and password. You will no longer need your DCCU eBanking log in credentials. Look at the abbreviated account number under each account name (see example image) to determine which account is which.

Do I have to do anything special other than the actions all DCCU members need to do?

No.

Can I consolidate my accounts after October 1?

Yes BUT, from October 1 – 15 our phones and branch staff will likely be extremely busy. We recommend that if you want to simplify your accounts - for instance you have a checking account at BOTH DCCU and HCU and prefer to have only one checking account – follow these steps:

  1. Move your deposits and automatic payments from the account you want to close to the one you’d like to remain open.
  2. Wait to make sure your deposits and automatic withdrawals are working as desired, and you have no more activity in the accounts you want to close.
  3. Move funds from all accounts you’d like to close to those you want to keep open.
  4. Contact us AFTER October 15 to close the accounts you no longer want.

Quick Facts

What is happening?

Dane County Credit Union accounts are converting to Heartland Credit Union (HCU) accounts. This change will affect former Dane County Credit Union members between September 30 - October 4.

Does this affect me?

Account access will be mostly UNAVAILABLE starting the evening of Friday, September 30 until Tuesday, October 4 including:

  • Branch service
  • Online banking
  • Bill Pay
  • eStatements
  • Mobile banking and deposit
  • Debit cards
  • Telephone Banking

Be sure to watch your email, postal mail and here for instructions and the most up to date information.



Upcoming Service Interruptions - please plan accordingly

How to Plan Ahead for your Account Changes

eSTATEMENT USERS

Prior to September 30, download your previous months’ DCCU statements if you need to, as the new HCU system will only store statements starting with your October 2022 statement.

MAKE A PAYMENT SERVICE (NOT Bill Pay)

As of September 28, online payments will no longer be available. HCU’s one-time payment service will be available starting October 3. Please adjust your payments accordingly. Recurring payments will no longer be a service option.

BILL PAY USERS

Prior to Sunday, September 25 you may send, schedule, and cancel payments in Bill Pay. Scheduled payments will process through September 30. Make note of your payees prior to September 25 as the new HCU Bill Pay will not have any past payees stored and you will need to enter your payees.

QUICKEN USERS

Prior to 5:00 pm, September 30, download your Quicken online banking transaction history.

Payments and Transfers

We recommend you make note of all current payments and transfers, then please review them after the account conversion for accuracy. If you see discrepancies, please contact us. Your DCCU loans will show as closed on your credit report and will be reposted as Heartland Credit Union. Continue to make loan payments as usual. This activity will not affect your credit score.

Payments set up with your current DCCU debit card will need to be updated with your new HCU debit card number and expiration date.

Direct deposits, payments and transfers set up via ACH or COACH will continue as usual.

Payments and transfers set up in DCCU’s Bill Pay will need to be set up again in HCU’s Bill Pay.

Transfers and payments from DCCU accounts to other DCCU accounts will continue as usual.

DCCU’s Make a Payment Service will no longer be available as of Wednesday, September 28. Starting on October 3, HCU’s one-time online payment service will be available at www.heartlandcu.org. Recurring payments will no longer be a service option.

DCCU mortgage loan servicing has changed to Midwest Loan Services. Notification and payment instructions were sent to affected members.

Loan payments (besides those serviced by Midwest Loan Services) can be mailed to:

Heartland Credit Union
5325 High Crossing Boulevard
Madison WI 53718-2301

Click to view Account Change in Terms

This is a notice of change to the Terms and Conditions of your account with Heartland Credit Union (formally Dane County Credit Union). Effective October 1, 2022, your accounts shall be governed by the updated Master Account Disclosure. Please see the highlighted changes below. To obtain a copy of the full Master Account Disclosure, Truth in Savings Disclosure, and Fee Schedule, contact us at 608-282-7000 or 800-362-3944, or [email protected]

After Conversion: Member Account Information

Account Numbers

The majority of members’ account numbers WILL NOT CHANGE. The few members whose numbers are changing, will be contacted directly.

Direct Deposit

If your account number did not change, your direct deposit will not be affected and you do NOT need to do anything to continue receiving your direct deposits to your account, including payroll.

Checks

You may continue to use your current DCCU checks for a year until October 2023. At that time, or when you deplete your current stock, order new checks using HCU’s Routing Number: 275978886. Order checks by contacting us.

Overdraft Privilege

The current Overdraft Privilege program is discontinued as of October 1. HOWEVER, you still have the overdraft protection services you currently have set up, such as automatic transfers from savings, and automatic transfers from credit lines such as Kwik Cash

After Conversion: Online and Mobile Banking Information

On or after October 4 delete your DCCU app and download the Heartland Credit Union app from your app store.

Use your current DCCU eBanking User ID and password to log in to HCU’s online and mobile banking, but please note that, for security purposes, you will be asked to change your password upon your first login. If you have multiple DCCU accounts, enter the username associated with your lowest account number. You will be able to access all your accounts from this login.

If you need assistance logging in to online or mobile banking call 800 362-3944 for assistance.

Alerts

Current Alerts in DCCU eBanking will NOT carry over to the new HCU online banking, so they will need to be set up.

Bill Pay

Current payees in DCCU’s Bill Pay WILL NOT CARRY OVER to the new HCU online banking. Payments and transfers will need to be set up in the new system.

Coming, Going and Changing

  • Cleared check copies – returning to online banking
  • Loan balances, including accrued interest available in online banking
  • My Credit Score (SavvyMoney) – service ending
  • Zelle – now Pay a Person via HCU’s online banking under Pay & Transfer on your desktop or under More in the mobile app’s hamburger menu (three stacked horizontal lines.)
  • Trends – most features are within HCU’s online banking in the Financial Planning tab, such as Budgeting and Savings Goals. Aggregate all of your accounts from the Dashboard by clicking Link External Accounts.

Account Conversion FAQs

Answers to more of your questions - FAQs

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