Become a Member
What do you get for joining DATCU? Low-cost loans, high-value deposit accounts, cutting-edge digital banking tools – and first-class service from some of the friendliest folks in North Texas.
We can't wait to offer you a warm welcome
We can't wait to offer you a warm welcome
See if you're eligible to become a DATCU member
Find out how easy it is to get started
Learn how your family members can join, too
Once a member, always a member
Even if you relocate away from North Texas, you can maintain your DATCU membership. Access our services through Online and Mobile banking, 50,000-plus surcharge-free ATMs. and our DATCU Danny virtual assistant.
At DATCU, you're treated like a neighbor – and not a number
For nine decades, we've helped friendly, gracious, hard-working people with their financial matters so they can live their best life. As a member of the DATCU family, you can feel confident that whatever your financial need, our team will always go the extra mile to help support you.
DATCU membership is open to:
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Anyone living or working in any of the following North Texas counties: Denton, Wise, Cooke, Clay, Montague, Collin, Dallas, Parker, Tarrant, Jack and Grayson
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Students and alumni of the University of North Texas
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Students and alumni of the Texas Women's University
It only takes 5 bucks
Once you determine if your eligible, the next step is to open a savings account with a $5 minimum deposit.
At a credit union, this is known as a share account. It makes you a part-owner of our not-for-profit financial cooperative and allows you to access all our other services.
Family matters
Once you join DATCU, pretty much any family member can come aboard as well. This can include a parent, child, spouse, sibling, grandparent, grandchild, stepparent, stepchild, or stepsibling.
Frequently asked questions
You can open an account online at app.datcu.org, visit any of our North Texas branch locations, or call us at (940) 387-8585. The process is straightforward. You'll open a savings (share) account, which establishes your membership and makes you an owner of the credit union.
Membership is open to anyone who lives or works in Denton, Wise, Cooke, Clay, Montague, Collin, Dallas, Parker, Tarrant, Jack, or Grayson counties in North Texas. Students and alumni of the University of North Texas (UNT) and Texas Woman's University (TWU) are also eligible, regardless of county. And if a family member is already a DATCU member, including a parent, child, spouse, sibling, grandparent, grandchild, stepparent, stepchild, or stepsibling, you qualify too.
A share account is DATCU's savings account — and it's what makes you a member. When you deposit funds into a share account, you're literally buying a 'share' of ownership in the credit union. The minimum deposit to open a share account is small, and your shares earn dividends.
At DATCU, members are owners. Unlike a traditional bank where profits go to shareholders, DATCU is a not-for-profit cooperative. That means earnings are returned to members in the form of better rates, lower fees, and improved services. You also have a voice in how the credit union is governed.
No. As long as you maintain your share savings account in good standing, your membership is yours for life, even if you move outside our service area.
Credit unions like DATCU are not-for-profit cooperatives. That doesn't mean we don't generate revenue , it means profits are reinvested back into the membership rather than distributed to outside shareholders. Our focus is people over profits.
Yes. DATCU is federally insured by the National Credit Union Administration (NCUA). Your deposits are insured up to $250,000 per individual depositor, the same federal protection offered by FDIC-insured banks.
DATCU members enjoy competitive loan rates, higher earnings on savings, lower or no fees, access to 55,000+ surcharge-free ATMs, shared branching access at credit unions nationwide, community investment, financial education resources, and personalized service. You're never just a number here.
Visit online.datcu.org or download the DATCU Mobile Banking app (available on the App Store and Google Play) and follow the enrollment prompts.
On the login screen, click 'Forgot Password' and follow the prompts. You'll be asked to verify your identity and can then create a new password. If you get stuck, call Member Support at (940) 387-8585 or stop by any branch.
Search for 'DATCU Mobile Banking' in the Apple App Store (App ID: 333349531) or Google Play Store (ID: com.mahalo.androidmobile.dat). Download and install the app, then log in with your online banking credentials. From there you can check balances, transfer funds, pay bills, and deposit checks remotely.
Yes. DATCU uses industry-standard encryption, multi-factor authentication, and continuous fraud monitoring to protect your account. We recommend enabling account alerts and MFA for maximum protection. Visit datcu.org for full details on our security practices.
Log in to online banking or the mobile app and navigate to your account summary. Select any account to view recent transactions, filter by date range, or search by amount or description.
Open the DATCU mobile app and select 'Deposit.' Endorse the back of your check (write 'For Mobile Deposit Only — DATCU'), then photograph the front and back using your phone camera. Submit and you'll receive a confirmation.
Availability depends on the type of deposit and amount. Checks deposited via mobile or at a branch are generally available the next business day, though portions may be held. Cash deposits at a branch or ATM are typically available immediately. Holds may apply, see DATCU's Funds Availability Policy in the Fees and Disclosures section at datcu.org.
Log in to online banking, go to Settings or Alerts, and choose the notification types you want, low balance, large transactions, login activity, and more. You can receive alerts by email or text message.
Accounts are locked after multiple failed login attempts as a security precaution. To unlock your account, call Member Support at (940) 387-8585 or visit a branch with a valid photo ID. Do not share your credentials with anyone.
Yes. Through online banking you can link external bank accounts to transfer funds between institutions.
Your financial sidekick
Very informative. Knew how to explain to me what was best. Very professional and yet treated me like a friend. Honest.
Georgia F.
Protection that comes with membership
Membership means we’re on your side, with tools and alerts to help stop fraud fast.
