Frequently Asked Questions
We welcome your questions and feedback to better understand your needs. Below is a list of frequently asked questions—if it’s on someone else’s mind, it’s likely on yours too.
Ask DP Owl
With DP Owl’s advice, you can make smarter choices and get the most from your money.
Here are answers to some of our most frequently asked questions. Can’t find what you’re looking for? Send your question to DP Owl by clicking the contact button at the bottom of this page
I have a lot of debt. College loans, credit cards, mortgage, and a car loan. I recently came into a new job that is allowing me to save some extra money. Should I save it or should I pay off my debt?
Great question, and congratulations on your new job! Most people carry some level of debt – the key is having a smart strategy to eliminate it. We recommend starting with the debt that has the highest interest rate and making it your top priority. Once that balance is paid off, redirect those payments to the next highest-interest debt and continue this approach until you’re debt-free.
If student loans are part of your picture, we also offer student loan refinancing options through LendKey, which may help simplify payments or lower interest costs. In addition, our online Financial Wellness Library provides helpful tools, articles, and resources to support you at every stage of your financial journey.
Our free financial counselors are available to meet in person with members to review your accounts and create a personalized plan. Call or text our Contact Center at 330-364-8874 to schedule an appointment. Best of luck!
Should I finance my auto loan through the dealership or use DoverPhila instead?
We believe buying a car should be a fun and exciting experience. Unfortunately, financing at the dealership can sometimes bring stress, uncertainty, and unexpected fees. As a DoverPhila member, you can enjoy competitive auto loan rates with no hidden fees – and no guessing about what’s included in your financing package.
Getting pre-approved also gives you peace of mind and added negotiating power, since you will know exactly what you are comfortable spending before you arrive at the dealership. By planning ahead and securing your auto loan with a DoverPhila, you can drive away in your new vehicle with complete confidence in your purchase. Enjoy the ride!
How can I become a member of DoverPhila Credit Union?
Not a member yet? No problem – we’d love to change that.
Eligibility:
If you live, work, go to school, or worship in Tuscarawas County, you’re eligible to become a member.
Becoming a Member:
Joining is easy. All it takes is a one-time deposit of $5 to open your account. Once you’re a member, your immediate family members are eligible to join as well.
You can open your account online or by visiting any of our five full-service locations. We look forward to welcoming you to the DoverPhila family!
What happens if I move out of the county? Will I lose my memberership status?
As we like to say – once a member, always a member. When you join DoverPhila, you’re part of our family for life. Even if you move away, you can continue doing business with us. All that’s required is maintaining a $5 minimum balance in your savings account.
Plus, your membership gives you convenient access to thousands of Shared Branching credit union locations and ATMs across the country and around the world, making it easy to manage your finances wherever life takes you.
We’re always here for you, no matter where you call home.
As a small business owner, can DoverPhila set up business-specific accounts for my operation?
Thanks for asking! It’s always a privilege to serve the businesses that support and strengthen our community.
To answer your question – yes, we offer business checking and savings accounts designed to meet the needs of everyday business operations, whether you’re a sole proprietor, partnership, LLC, or corporation. In addition, we provide merchant services to help streamline your operations, including payment processing systems and business management solutions. We also offer a variety of business credit card options to support your business as it grows.
Stop in and learn more about our business offerings. We’ll be happy to help point you in the direction that’s right for your business.
Is my money safe in a credit union like it would be in a bank?
Indeed it is. Perhaps you’ve heard banks talk about being FDIC insured or “member FDIC” in their ads. In case you didn’t know, FDIC stands for Federal Deposit Insurance Corporation. Credit unions have the exact same type of insurance program, but under a different name: National Credit Union Administration or NCUA.
This is an agency of the federal government that oversees the National Credit Union Share Insurance Fund (NCUSIF). Through this program, credit unions insure your money up to $250,000 — just like an FDIC-insured bank. Also, credit unions insure any IRA funds separately to the amount of $250,000.
That means you can have peace of mind knowing that your money is safe and secure at DoverPhila.
I prefer to keep my money at one institution. Can DoverPhila also manage my other financial and investment accounts?
Excellent question. We understand your desire to centralize all of your account in one place. And we can help with a lot of that. But first, let’s clarifty what we mean when we refer to financial accounts and investment accounts.
FINANCIAL ACCOUNTS: At DoverPhila, we define these as all of the accounts we provide to members including: checking and saving accounts, certificate accounts, loan and mortgage accounts, Health Savings Accounts (HSA), Coverdell Education Savings Account (ESA), and traditional and Roth IRAs.
INVESTMENT ACCOUNTS: While you might think of investments in a broader sense that includes an ESA or IRA, investments such as annunities, stocks, bonds, and mutual funds are services that DoverPhila does not provide.
Can I use Zelle® through DoverPhila, and how does it work?
Yes! As a DoverPhila member, you can access Zelle® through the DoverPhila mobile banking app. Zelle® lets you transfer funds directly between bank accounts, making it easy to split bills or send money to friends and family.
To get started, call or text 330-364-8874 to opt in to our Shared Branching network. Once you’re opted in, simply log in to your DoverPhila online banking or mobile app, select Zelle® from the menu, and follow the prompts to begin sending and receiving money.
FAQs
Want answers? You're at the right place.
Sometimes you just need answers. Fast.
Scroll through our comprehensive FAQ to get answers about us, your accounts, credit cards, online/bill pay information, loans and other services we offer.
Membership
Who can become a member of DoverPhila?
All residents of Tuscarawas County as well as anyone who works, worships, or attends school in Tuscarawas County is eligible for membership. Once you become a member, anyone in your immediate family also becomes eligible to join DoverPhila.
Can I still be a member if I move out of Tuscarawas County?
Yes. Once you are a member of DoverPhila, you can continue to be a member as long as you maintain at least $5.00 in a share (savings) account.
Who makes decisions for the credit union?
Major decisions at DoverPhila are made and/or approved by a volunteer Board of Directors. The Board of Directors is comprised of nine members who are elected by the membership and who volunteer their time to oversee the operations of the credit union.
How can I be on the Board of Directors?
Submit your resume to the Nominating Committee of the Board of Directors between 90 to 120 days prior to the annual election held in October. If you are a member in good standing, you will be placed on the ballot as a candidate. All Directors are elected by the members and serve three-year terms.
Is DoverPhila federally insured?
Yes. Your funds are insured through the National Credit Union Administration (NCUA), an agency of the federal government, by the National Credit Union Share Insurance Fund (NCUSIF) up to at least $250,000.00. In addition, funds in an IRA are insured separately up to $250,000.00.For more information, contact a credit union employee.
Shared (Savings) & Draft (Checking) Information
What is the minimum balance required for DoverPhila accounts?
$5.00 is the minimum membership requirement and is applied to your savings account. There is no minimum balance required in a draft account. This is the same for personal and business accounts.
What rates do my share and draft accounts earn?
Click here to access current account rates.
How do I change my mailing address?
You can change your address online through On Line-On Time® Home Banking, in writing, in person, via email, or over the phone. Changes made over the phone or via email will be verified before any changes are made.
Why do I need to give you my new address when I have already changed it at the post office?
Due to the confidentiality of your accounts, our mail is not forwarded by the post office. When you only change your address at the post office, they return the mail to us with a notice that you have moved. We do charge a $5.00 fee per return if you do not notify us of the change, so it is important to let us know when you are moving.
How do I close an account now that I have moved?
You may close your account by requesting to do so in writing or by phone. Please make sure all checks, debit card transactions, automatic withdrawals, and/or transfers have occurred. We will mail you a check for any remaining funds in your account.
How do I order new checks?
You can order checks in two (2) convenient ways. Fill out the order form sent with your last box of checks and bring it into any credit union location, or place your order online.
How much do you charge for a non-sufficient funds (NSF) check?
There is a $30.00 service charge for all NSF items, including checks, automatic withdrawals, and debit or ATM transactions, that are either honored or returned.
Do you offer overdraft protection?
Yes. When an overdraft occurs on your draft (checking) account, funds can be automatically transferred to cover the negative balance. You can set up your share (savings) account to be a source of overdraft protection to your draft account.
What is the credit union’s (ABA) routing number?
241280650
What is your funds availability policy?
We reserve the right to hold any check for $1,000 and over except payroll or government checks. In addition, during the first 30-days after opening your account, we reserve the right to hold all checks presented for payment unless matching funds are already on deposit. If you have any paperwork that you received with the check (i.e. check stub, letter, etc.), please bring it with you, as this may help to verify the check and a hold may not be necessary. For a copy of our complete funds availability policy, contact a member service representative.
How can I obtain a copy of a check?
Contact the credit union to order a copy of a check that has cleared your account. There is a $2.50 fee per check copy.
What do I need to open a personal account?
To open a personal account, you’ll need a valid, unexpired driver’s license and your Social Security card. If your Social Security card isn’t available, any legal document that includes your Social Security number, such as a W-2 or tax return, will be accepted. Click here to open an account online.
How old do you have to be to open an account?
There is no minimum age to open a Share Account.
Do you offer business accounts and resources?
Yes. We do offer business draft (checking) and share (savings) accounts. Whether you are a sole proprietor, partnership, LLC, or corporation, we can set up a business account for you. Certain criteria are required for opening a business account. Additionally, we offer merchant services, a business debit card, and a variety of credit card options.
What is the difference between adding a joint owner to my account and adding an agent or POA?
A joint owner is an equal owner of the account, as all credit union accounts are set up as “joint with rights of survivorship.” This means that if something happens to one of the owners on the account, the account then becomes the property of the other owner(s). An agent or Power of Attorney (POA) is someone that you authorize to transact business on your behalf. The money in the account does not belong to an agent or POA, and upon your death, the account would not necessarily go to your designated agent or POA, unless you have also named them in a designated Payable on Death clause on your account. If there is no joint owner or designated POD, upon your death, the funds would then go to your estate.
I added someone to my account, so now why can’t I take them off of it?
If you have added someone as a joint owner, that person must give up his/her right to the funds in the account. Agents or Power of Attorney can be revoked or changed at any time because they are not owners of the account.
Does it make a difference who is listed first or second on an account?
Any interest income is reported for the first social security number or tax ID number listed on the account. Also, a person that is second on the account cannot initiate a loan on the account; he/she can be a co-signer on a loan, but cannot have a loan in his/her name only without being primary on an account.
Can I send someone else to get money out of my account when I am out of town or sick?
Only a joint owner or designated agent or Power of Attorney (POA) is authorized to initiate transactions on an account.
I sent someone in to make a deposit to my account, and the teller did not give a receipt. Why not?
Receipts contain confidential information about your account, such as the account number and balance. If you have requested either in person or in writing that someone other than you is to receive your receipts, we will comply with your wishes.
How do I stop payment on a check?
You can stop payment by visiting any of our five locations. Each stop payment will incur a $30.00 fee. Stop payments cannot be placed on debit card transactions.
What can I do to minimize the risk of fraudulent activity on my accounts?
Monitor your accounts and credit cards closely. Compare receipts to billing statements. Be cautious when giving out your account numbers over the phone or online. Report any suspicious activity to DoverPhila immediately. Click here for more information on prevention and reporting fraud.
Online Access & Bill Pay
Is there a fee to use On Line-On Time®?
No. Online access is free and eStatements are also free.
How do I sign up for On Line-On Time®?
All new accounts are automatically signed up for On Line-On Time® Home Banking. To access, visit our website, log in using your account number, and the last four digits of the primary account owners SSN as the password.
How do I reset my username and/or password for On Line-On Time®?
Once you enroll for On Line-On Time® access, you may change your username and password at any time. If you lock yourself out of your account, however, you will need to contact DoverPhila to have your password reset.
How do I sign up for eStatements?
Sign up for eStatements (eDocs) through On Line-On Time® – or contact a member service representative for help.
Is the online banking login on the homepage secure?
When you login, you are entering into an encrypted part of our site that uses Secure Sockets Layer (SSL), which can typically be identified by looking for the browser padlock icon or https in the address. However, the main content of our public website is not encrypted with SSL.
For Internet Explorer Users: You can see this by right-clicking on the login button and choosing properties. A properties dialog box will appear that shows the address of that frame is the secure. You can click the certificates button to view our SSL certificate.
Firefox Users: You can see this by right-clicking on the login button and choosing This Frame -> Frame Info. A frame info screen will appear that shows the address of that frame is the secure.
When will my transfer be applied to the receiving account through On Line-On Time®?
When you transfer funds between your DoverPhila accounts using On Line–On Time®, the money is applied to the receiving account immediately – even on weekends and holidays. However, transfers from a non-DoverPhila account to a DoverPhila account may take up to two (2) business days to become available.
How can I sign up for online Bill Pay?
You must enroll through On Line-On Time® for our online Bill Pay service.
Is my login information the same for On Line-On Time® and Bill Pay?
Yes. Since you access Bill Pay inside of home banking, simply log into your On Line-On Time® account and click access Bill Pay in the top ribbon.
How do I pay my bills online?
You must first log into your On Line-On Time® account and click access Bill Pay in the top ribbon. Information will pop up for you to verify including personal and account information. Review and accept the terms and conditions and then click to enroll. Once you have completed all fields, the site will direct you to your Bill Pay payment center where you can start paying bills.
How do I schedule payments?
Click the biller in your list of billers area.
Result: The biller is in-focus in the list of billers.
Note: If you have created a reminder or an auto-pay that information is populated in the list of billers and can be edited if necessary.Enter required information such as your funding account, send-on date and the amount to pay.
Click the button to submit your payment(s).
Result: The preview: make payment window appears.Click confirm.
Result: The confirmation: make payment window appears.
Note: You can modify and cancel the payment by selecting it in the Bill Pay activity panel in the Bill Pay carousel on the right.
Can I cancel a payment?
Yes, you can cancel a one-time payment or your automatic payments from the Bill Pay activity panel in the Bill Pay carousel. To cancel a one-time payment, follow the instructions below:
In the Bill Pay activity panel in the Bill Pay carousel, click the payment you want to cancel.
Result: The payment details window appears.Click the cancel payment button.
Result: The preview: cancel payment window appearsClick the cancel payment button.
Result: The confirmation: cancel payment window appears.
Note: You can turn off this confirmation page, by checking the don’t show me this again option.Click close.
Result: The payment is cancelled. You can verify this action in the Bill Pay activity panel in the Bill Pay carousel.
Can I cancel an auto-pay?
Yes, you can cancel an auto-pay or an auto-pay rule from the Bill Pay activity panel in the Bill Pay carousel. Please follow the instructions below:
AUTO-PAY
In the Bill Pay activity panel in the Bill Pay carousel, click the payment.
Result: A payment details window appears.Click the cancel payment button.
Result: A window appears that allows you to cancel the payment or the automatic rule.Click cancel just this payment.
Result: The preview cancel payment window appears.Click cancel payment.
Result: The confirmation: cancel payment window appears.
Note: You can turn off this confirmation page, by checking the don’t show me this again .Click close.
Result: The payment is cancelled. You can verify this action in the Bill Pay activity panel in the Bill Pay carousel.
AUTO-PAY RULE
In the Bill Pay activity panel located in the carousel, click the payment.
Result: A payment details window appears.Click cancel payment button.
Result: A window appears that allows you to cancel the payment or the automatic rule.Click cancel automatic rule.
Result: The confirmation: auto-pay options window appears.
Note: You can turn off this confirmation page, by checking don’t show me this again .Click close.
Result: Your auto-pay rule for that biller has been canceled.
How much does the online Bill Pay service cost?
There is no monthly fee to use online Bill Pay. The first 15 payments you make are free; after 15 payments are made, there is a fee of $0.50 per payment.
Credit & Debit Cards
How do I change my personal identification number (PIN) for my debit card?
You may change your PIN at any of our ATM locations, by calling 1-800-992-3808, or through the Debit Card Controls feature in the DoverPhila mobile banking app.
How do I report my credit card or debit card lost or stolen?
During regular business hours, always contact DoverPhila directly. After hours, for a lost or stolen Visa® credit card, call 1-800-558-3424, for a lost or stolen debit card, call 1-833-337-6075, for a lost or stolen ATM card, call 330-364-8874.
Where are your ATMs located?
We have surcharge-free options to access your money, almost anywhere. Check our locations by clicking here.
How do I dispute a charge on my Visa® bill or an incorrect charge on my debit card?
To dispute a charge on your Visa® contact 1-800-558-3424. For an incorrect charge on your debit card contact our Card Services Department.
How can I apply for a Visa® credit card?
You can apply online or contact a DoverPhila member service representative for a Visa® application. All applications are processed online.
Why am I told not to use my debit card online, but I can use my credit card online?
A credit card has a safety net because you can dispute a charge that appears on your card and get it removed from your account. You do not have to pay the charge in question while it is being disputed. When you give your debit card information, you are authorizing money to be taken directly from your DoverPhila account. Once you give this authorization, we cannot stop the transaction and the money is removed from your account. If your information gets compromised, it is more difficult to get your funds back. If the charge in question has a signature, even if it is not your signature, the funds are gone. It is the member’s responsibility to dispute a charge with the company that has taken funds using a debit card.
Loans
What are the advantages of getting a loan at DoverPhila?
At the credit union, you will find a variety of loan programs with low rates, no pre-payment penalty or hidden fees, and various repayment schedules, along with local loan officers making all approval decisions.
How long does it take to approve and process an auto or personal loan application?
After applying for an auto or personal loan, you should have an answer no later than the afternoon of the next business day. In many cases, you can apply, be approved, sign the documents, and get your check all in the same day.
What are your loan rates?
Please see our loan rates page for current rates.
How can I apply for an auto loan?
Apply online, over the phone, or in person at any of our five locations.
How do I apply for a mortgage or home equity loan?
Apply for a mortgage loan online – or make an appointment with our Mortgage Department. Please contact the Mortgage Department to make an appointment or request an appointment through our contact page.
Do you sell your first mortgage loans?
We retain all servicing for mortgages written at the credit union but there are occasions where first mortgages can be sold if qualifications are met.
Do you offer lease options?
No.
Do you offer commercial lending?
No, we do not offer commercial lending at this time.
Do you offer student loans?
Although we do not offer student loans, we do offer personal loans and home equity lines of credit. These are two great ways to help finance your private, continuing or higher education needs. We also partner with LendKey to offer a student loan refinancing option.
Is there a pre-payment penalty on installment loans?
No.
How long do I have to be a member of the credit union before I can get a car loan?
Once you’re a member, you are immediately eligible to apply for any type of loan offered by DoverPhila.
How do I pay off my loan early?
You may pay off your installment loan any time at any office, and you can call DoverPhila to get the exact payoff amount of your loan with interest that has accrued since your last payment. If you need your title immediately because you have sold the vehicle, please visit our Main Office on Fillmore Avenue in Dover.
How soon will I get my title after paying off my car loan?
You will receive your title typically within 10-14 business days of receipt of your loan payoff.
Can I have my loan payment(s) made automatically from my share (savings) or draft (checking) account?
Yes. Automatic payments may be set up for any date that is convenient for you during the month. Contact a credit union employee to have an automatic payment form completed. Then, each month on your selected date, the amount of the loan payment will automatically be transferred from the account you selected and applied to your loan.
What is Skip-a-Pay?
The Skip-a-Pay Program allows members to choose the month of their choice to skip one payment per calendar year on qualifying loans. To learn more about this option, please see a DoverPhila member representative.
How long does a repossession stay on my credit report?
Seven (7) years from the day the loan first became delinquent.
Will I still owe money after my vehicle is repossessed?
Yes. Even though your vehicle has been repossessed, you are still liable for any and all costs incurred by the financier.
What obligations does a co-signer have if a vehicle has been repossessed?
The co-signer of any loan has the same financial obligations and liabilities as the borrower. Co-signing a loan means that you are willing and able to ensure that loan payments are made in any situation in which the borrower fails to pay. Any repossession can and, generally, will be reported on your credit report, as well as on the borrower’s. Additionally, since your financial situation is likely better than the borrower’s, debt collectors would possibly come after you more aggressively for repayment of any deficient loan balance. You can be sued and have your wages garnished or bank account frozen, just as the borrower.
If I’m having trouble with my finances, is it a good idea to see a credit counseling agency?
As a DoverPhila member you have access to ongoing and free financial education, which may prove far more helpful than an organization claiming to eliminate your debt. If you have concerns about your financial situation, contact us first.
Other Services
Does DoverPhila offer other services to its members?
We offer notary public services, wire transfers, Signature Guarantee, Personal Access Line (PAL), and direct deposit services, as well as gift cards. Click here to learn more about these services. We do not have safety deposit boxes.
Complete our direct deposit change request/authorization schedule and provide step 3 to your employer and step 3.5 to the credit union. Be sure to provide your full account number. For example, if you’re using a checking account, you’ll need the full nine (9) digits
Can I transfer funds between my DoverPhila account and my account at another financial institution?
Yes! You can transfer funds from a non-DoverPhila account to your DoverPhila account by using our mobile banking app. You can also use Zelle® to send and receive money from friends and family.
Is my PAL line personal identification number (PIN) the same as my ATM card PIN?
No. The PAL telephone access PIN is the last four digits of the primary members social security number. Members can choose to change their PAL pin once in the PAL system.
Do you offer investments or investment advice?
We do not offer investment advice or investments such as annuities or mutual funds. However, we do offer traditional and Roth IRAs, Health Savings Accounts, and Coverdell Education Savings Accounts.
Loan Payment Options
Flexible loan payment options.
At DoverPhila, we believe managing your loan payments should be simple, flexible, and convenient—because your time matters. That’s why we offer a variety of payment options designed to fit your needs and lifestyle:
Automatic & Recurring Options
- Payroll Deduction – Set up direct payments from your paycheck for effortless loan management.
- Automatic Transfer – Move funds from your DoverPhila account automatically on your schedule.
- Recurring ACH Origination – Set up recurring payments from another financial institution with ease.
Digital Convenience
- Online Banking with On Line-On Time® – Log in and pay through our secure home banking platform.
- Mobile Banking App – Make payments anytime, anywhere with our easy-to-use mobile app.
- Online Bill Pay – Schedule and send payments directly from your DoverPhila account.
Phone & In-Person Options
- Over-the-Phone Payment – Speak with a team member to transfer funds from your DoverPhila account – or use a debit or credit card to make a payment quickly and securely.
- In Person at a Branch or ATM – Stop by any of our full-service locations or use a DoverPhila ATM to make your payment.
- U.S. Mail – Prefer the traditional route? Mail your payment to us at your convenience.
No matter how you choose to pay, DoverPhila is here to help you stay on track—your way. Have questions or need help setting up a payment method? We’re just a call, text, or click away.
Skip-A-Payment
The unexpected is part of life. When it happens, our Skip-a-Payment benefit affords members to defer a payment until the end of the loan. To be eligible, the member account must be in good standing with at least 12 months of payment on the loan and haven’t exceeded the number of skips permissible for the life of the loan. This benefit can be applied to auto, personal, share/certificate, and recreational loans. A $35 fee will be applied and all borrowers must sign for the benefit to take effect. Skipped payments process within 24 hours. All eligibility requirements apply.
Youth Share Accounts – DP’s Kids Club
For Kids Ages 12 & Under
Start Smart with DP’s Kids Club
Give your child a head start on a financially savvy future! Early education is key to building lifelong money management skills—and with DP’s Kids Club, learning about money is both fun and rewarding.
When children join the club, they’ll open their very own share account and begin to understand the value of saving. Designed for kids age 12 and under, this special account encourages good financial habits through hands-on learning, exciting incentives, and engaging activities.
DP”s Kids Club Benefits
- Fun Gifts– Kids receive a postcard in the mail each quarter with an incentive to save their money.
- Membership Card – The official club membership card – kids love them!
- Exclusive Savings – Certificate Accounts with low $250 minimum balance.*
- Games & Contests – Quarterly contest with cash prizes.
- Quarterly Newsletter – Credit union news and money facts tailored specifically to kids.
- Special Events – Youth Week, always the last full week in April, celebrates our youngest members with a bonus on deposits and fun giveaways.
- Financial Tools for Kids – Education is the key to success. Club activities and tools are designed to help kids learn money management.
- Access to Banzai – An award-winning, online financial literacy program that allows members to discover real-world finances through “learning by doing.”
- And More!
Open a DP’s Kids Club account today!
Help your child start strong with smart saving habits. Just bring their Social Security card, birth certificate, and a $5.00 deposit to any DoverPhila branch to open a DP’s Kids Club account.
Already have a share account for your child? You can still enroll them—no extra deposit needed. (Custodial accounts require a separate Kids Club account.)
At age 13, their membership automatically grows with them, converting to our DP Savers Club to continue their financial journey.
*Only available to DP’s Kids Club and DP Savers Club accounts. Click here to view Account & Service Fees.
Not-For-Profit Account
Discover how DoverPhila's not-for-profit accounts empower your organization's mission.
As a not-for-profit credit union, we appreciate the unique governing structure of not-for-profits, their need to keep expenses in check, and their desires to show results for programming. For that reason, our not-for-profit account offers all of the great features and benefits of our business checking account, but without the monthly service charges (waived for qualified 501c3, not-for-profit organizations).
Why choose DoverPhila for your not-for-profit?
- Member-Centric Focus: We prioritize our members over profits, ensuring your organization benefits from lower or no fees and personalized member service.
- Community Commitment: We are dedicated to supporting the communities we serve, including not-for-profit organizations that make a positive impact.
- Secure and Trustworthy: Your funds are federally insured by the NCUA, providing peace of mind and security for your organization’s finances.
Account Features:
- No minimum balance.
- No monthly service charges**.
- Free overdraft protection from your savings account.
- Unlimited transactions check writing*.
- Digital check images through online banking.
- Receive a debit card with access to ATMs.
- Access to online banking, mobile banking, eStatements, paper statements, and PAL.
*While your first order of checks needs to be made through a DoverPhila branch location, you can reorder checks quickly and easily online.
**Click here to view Account & Service Fees.
Ask DP Owl
With DP Owl’s advice, you can make smarter choices and get the most from your money.
Here are answers to some of our most frequently asked questions. Can’t find what you’re looking for? Send your question to DP Owl by clicking the contact button at the bottom of this page
I have a lot of debt. College loans, credit cards, mortgage, and a car loan. I recently came into a new job that is allowing me to save some extra money. Should I save it or should I pay off my debt?
Great question, and congratulations on your new job! Most people carry some level of debt – the key is having a smart strategy to eliminate it. We recommend starting with the debt that has the highest interest rate and making it your top priority. Once that balance is paid off, redirect those payments to the next highest-interest debt and continue this approach until you’re debt-free.
If student loans are part of your picture, we also offer student loan refinancing options through LendKey, which may help simplify payments or lower interest costs. In addition, our online Financial Wellness Library provides helpful tools, articles, and resources to support you at every stage of your financial journey.
Our free financial counselors are available to meet in person with members to review your accounts and create a personalized plan. Call or text our Contact Center at 330-364-8874 to schedule an appointment. Best of luck!
Should I finance my auto loan through the dealership or use DoverPhila instead?
We believe buying a car should be a fun and exciting experience. Unfortunately, financing at the dealership can sometimes bring stress, uncertainty, and unexpected fees. As a DoverPhila member, you can enjoy competitive auto loan rates with no hidden fees – and no guessing about what’s included in your financing package.
Getting pre-approved also gives you peace of mind and added negotiating power, since you will know exactly what you are comfortable spending before you arrive at the dealership. By planning ahead and securing your auto loan with a DoverPhila, you can drive away in your new vehicle with complete confidence in your purchase. Enjoy the ride!
How can I become a member of DoverPhila Credit Union?
Not a member yet? No problem – we’d love to change that.
Eligibility:
If you live, work, go to school, or worship in Tuscarawas County, you’re eligible to become a member.
Becoming a Member:
Joining is easy. All it takes is a one-time deposit of $5 to open your account. Once you’re a member, your immediate family members are eligible to join as well.
You can open your account online or by visiting any of our five full-service locations. We look forward to welcoming you to the DoverPhila family!
What happens if I move out of the county? Will I lose my memberership status?
As we like to say – once a member, always a member. When you join DoverPhila, you’re part of our family for life. Even if you move away, you can continue doing business with us. All that’s required is maintaining a $5 minimum balance in your savings account.
Plus, your membership gives you convenient access to thousands of Shared Branching credit union locations and ATMs across the country and around the world, making it easy to manage your finances wherever life takes you.
We’re always here for you, no matter where you call home.
As a small business owner, can DoverPhila set up business-specific accounts for my operation?
Thanks for asking! It’s always a privilege to serve the businesses that support and strengthen our community.
To answer your question – yes, we offer business checking and savings accounts designed to meet the needs of everyday business operations, whether you’re a sole proprietor, partnership, LLC, or corporation. In addition, we provide merchant services to help streamline your operations, including payment processing systems and business management solutions. We also offer a variety of business credit card options to support your business as it grows.
Stop in and learn more about our business offerings. We’ll be happy to help point you in the direction that’s right for your business.
Is my money safe in a credit union like it would be in a bank?
Indeed it is. Perhaps you’ve heard banks talk about being FDIC insured or “member FDIC” in their ads. In case you didn’t know, FDIC stands for Federal Deposit Insurance Corporation. Credit unions have the exact same type of insurance program, but under a different name: National Credit Union Administration or NCUA.
This is an agency of the federal government that oversees the National Credit Union Share Insurance Fund (NCUSIF). Through this program, credit unions insure your money up to $250,000 — just like an FDIC-insured bank. Also, credit unions insure any IRA funds separately to the amount of $250,000.
That means you can have peace of mind knowing that your money is safe and secure at DoverPhila.
I prefer to keep my money at one institution. Can DoverPhila also manage my other financial and investment accounts?
Excellent question. We understand your desire to centralize all of your account in one place. And we can help with a lot of that. But first, let’s clarifty what we mean when we refer to financial accounts and investment accounts.
FINANCIAL ACCOUNTS: At DoverPhila, we define these as all of the accounts we provide to members including: checking and saving accounts, certificate accounts, loan and mortgage accounts, Health Savings Accounts (HSA), Coverdell Education Savings Account (ESA), and traditional and Roth IRAs.
INVESTMENT ACCOUNTS: While you might think of investments in a broader sense that includes an ESA or IRA, investments such as annunities, stocks, bonds, and mutual funds are services that DoverPhila does not provide.
Can I use Zelle® through DoverPhila, and how does it work?
Yes! As a DoverPhila member, you can access Zelle® through the DoverPhila mobile banking app. Zelle® lets you transfer funds directly between bank accounts, making it easy to split bills or send money to friends and family.
To get started, call or text 330-364-8874 to opt in to our Shared Branching network. Once you’re opted in, simply log in to your DoverPhila online banking or mobile app, select Zelle® from the menu, and follow the prompts to begin sending and receiving money.
FAQs
Want answers? You're at the right place.
Sometimes you just need answers. Fast.
Scroll through our comprehensive FAQ to get answers about us, your accounts, credit cards, online/bill pay information, loans and other services we offer.
Membership
Who can become a member of DoverPhila?
All residents of Tuscarawas County as well as anyone who works, worships, or attends school in Tuscarawas County is eligible for membership. Once you become a member, anyone in your immediate family also becomes eligible to join DoverPhila.
Can I still be a member if I move out of Tuscarawas County?
Yes. Once you are a member of DoverPhila, you can continue to be a member as long as you maintain at least $5.00 in a share (savings) account.
Who makes decisions for the credit union?
Major decisions at DoverPhila are made and/or approved by a volunteer Board of Directors. The Board of Directors is comprised of nine members who are elected by the membership and who volunteer their time to oversee the operations of the credit union.
How can I be on the Board of Directors?
Submit your resume to the Nominating Committee of the Board of Directors between 90 to 120 days prior to the annual election held in October. If you are a member in good standing, you will be placed on the ballot as a candidate. All Directors are elected by the members and serve three-year terms.
Is DoverPhila federally insured?
Yes. Your funds are insured through the National Credit Union Administration (NCUA), an agency of the federal government, by the National Credit Union Share Insurance Fund (NCUSIF) up to at least $250,000.00. In addition, funds in an IRA are insured separately up to $250,000.00.For more information, contact a credit union employee.
Shared (Savings) & Draft (Checking) Information
What is the minimum balance required for DoverPhila accounts?
$5.00 is the minimum membership requirement and is applied to your savings account. There is no minimum balance required in a draft account. This is the same for personal and business accounts.
What rates do my share and draft accounts earn?
Click here to access current account rates.
How do I change my mailing address?
You can change your address online through On Line-On Time® Home Banking, in writing, in person, via email, or over the phone. Changes made over the phone or via email will be verified before any changes are made.
Why do I need to give you my new address when I have already changed it at the post office?
Due to the confidentiality of your accounts, our mail is not forwarded by the post office. When you only change your address at the post office, they return the mail to us with a notice that you have moved. We do charge a $5.00 fee per return if you do not notify us of the change, so it is important to let us know when you are moving.
How do I close an account now that I have moved?
You may close your account by requesting to do so in writing or by phone. Please make sure all checks, debit card transactions, automatic withdrawals, and/or transfers have occurred. We will mail you a check for any remaining funds in your account.
How do I order new checks?
You can order checks in two (2) convenient ways. Fill out the order form sent with your last box of checks and bring it into any credit union location, or place your order online.
How much do you charge for a non-sufficient funds (NSF) check?
There is a $30.00 service charge for all NSF items, including checks, automatic withdrawals, and debit or ATM transactions, that are either honored or returned.
Do you offer overdraft protection?
Yes. When an overdraft occurs on your draft (checking) account, funds can be automatically transferred to cover the negative balance. You can set up your share (savings) account to be a source of overdraft protection to your draft account.
What is the credit union’s (ABA) routing number?
241280650
What is your funds availability policy?
We reserve the right to hold any check for $1,000 and over except payroll or government checks. In addition, during the first 30-days after opening your account, we reserve the right to hold all checks presented for payment unless matching funds are already on deposit. If you have any paperwork that you received with the check (i.e. check stub, letter, etc.), please bring it with you, as this may help to verify the check and a hold may not be necessary. For a copy of our complete funds availability policy, contact a member service representative.
How can I obtain a copy of a check?
Contact the credit union to order a copy of a check that has cleared your account. There is a $2.50 fee per check copy.
What do I need to open a personal account?
To open a personal account, you’ll need a valid, unexpired driver’s license and your Social Security card. If your Social Security card isn’t available, any legal document that includes your Social Security number, such as a W-2 or tax return, will be accepted. Click here to open an account online.
How old do you have to be to open an account?
There is no minimum age to open a Share Account.
Do you offer business accounts and resources?
Yes. We do offer business draft (checking) and share (savings) accounts. Whether you are a sole proprietor, partnership, LLC, or corporation, we can set up a business account for you. Certain criteria are required for opening a business account. Additionally, we offer merchant services, a business debit card, and a variety of credit card options.
What is the difference between adding a joint owner to my account and adding an agent or POA?
A joint owner is an equal owner of the account, as all credit union accounts are set up as “joint with rights of survivorship.” This means that if something happens to one of the owners on the account, the account then becomes the property of the other owner(s). An agent or Power of Attorney (POA) is someone that you authorize to transact business on your behalf. The money in the account does not belong to an agent or POA, and upon your death, the account would not necessarily go to your designated agent or POA, unless you have also named them in a designated Payable on Death clause on your account. If there is no joint owner or designated POD, upon your death, the funds would then go to your estate.
I added someone to my account, so now why can’t I take them off of it?
If you have added someone as a joint owner, that person must give up his/her right to the funds in the account. Agents or Power of Attorney can be revoked or changed at any time because they are not owners of the account.
Does it make a difference who is listed first or second on an account?
Any interest income is reported for the first social security number or tax ID number listed on the account. Also, a person that is second on the account cannot initiate a loan on the account; he/she can be a co-signer on a loan, but cannot have a loan in his/her name only without being primary on an account.
Can I send someone else to get money out of my account when I am out of town or sick?
Only a joint owner or designated agent or Power of Attorney (POA) is authorized to initiate transactions on an account.
I sent someone in to make a deposit to my account, and the teller did not give a receipt. Why not?
Receipts contain confidential information about your account, such as the account number and balance. If you have requested either in person or in writing that someone other than you is to receive your receipts, we will comply with your wishes.
How do I stop payment on a check?
You can stop payment by visiting any of our five locations. Each stop payment will incur a $30.00 fee. Stop payments cannot be placed on debit card transactions.
What can I do to minimize the risk of fraudulent activity on my accounts?
Monitor your accounts and credit cards closely. Compare receipts to billing statements. Be cautious when giving out your account numbers over the phone or online. Report any suspicious activity to DoverPhila immediately. Click here for more information on prevention and reporting fraud.
Online Access & Bill Pay
Is there a fee to use On Line-On Time®?
No. Online access is free and eStatements are also free.
How do I sign up for On Line-On Time®?
All new accounts are automatically signed up for On Line-On Time® Home Banking. To access, visit our website, log in using your account number, and the last four digits of the primary account owners SSN as the password.
How do I reset my username and/or password for On Line-On Time®?
Once you enroll for On Line-On Time® access, you may change your username and password at any time. If you lock yourself out of your account, however, you will need to contact DoverPhila to have your password reset.
How do I sign up for eStatements?
Sign up for eStatements (eDocs) through On Line-On Time® – or contact a member service representative for help.
Is the online banking login on the homepage secure?
When you login, you are entering into an encrypted part of our site that uses Secure Sockets Layer (SSL), which can typically be identified by looking for the browser padlock icon or https in the address. However, the main content of our public website is not encrypted with SSL.
For Internet Explorer Users: You can see this by right-clicking on the login button and choosing properties. A properties dialog box will appear that shows the address of that frame is the secure. You can click the certificates button to view our SSL certificate.
Firefox Users: You can see this by right-clicking on the login button and choosing This Frame -> Frame Info. A frame info screen will appear that shows the address of that frame is the secure.
When will my transfer be applied to the receiving account through On Line-On Time®?
When you transfer funds between your DoverPhila accounts using On Line–On Time®, the money is applied to the receiving account immediately – even on weekends and holidays. However, transfers from a non-DoverPhila account to a DoverPhila account may take up to two (2) business days to become available.
How can I sign up for online Bill Pay?
You must enroll through On Line-On Time® for our online Bill Pay service.
Is my login information the same for On Line-On Time® and Bill Pay?
Yes. Since you access Bill Pay inside of home banking, simply log into your On Line-On Time® account and click access Bill Pay in the top ribbon.
How do I pay my bills online?
You must first log into your On Line-On Time® account and click access Bill Pay in the top ribbon. Information will pop up for you to verify including personal and account information. Review and accept the terms and conditions and then click to enroll. Once you have completed all fields, the site will direct you to your Bill Pay payment center where you can start paying bills.
How do I schedule payments?
Click the biller in your list of billers area.
Result: The biller is in-focus in the list of billers.
Note: If you have created a reminder or an auto-pay that information is populated in the list of billers and can be edited if necessary.Enter required information such as your funding account, send-on date and the amount to pay.
Click the button to submit your payment(s).
Result: The preview: make payment window appears.Click confirm.
Result: The confirmation: make payment window appears.
Note: You can modify and cancel the payment by selecting it in the Bill Pay activity panel in the Bill Pay carousel on the right.
Can I cancel a payment?
Yes, you can cancel a one-time payment or your automatic payments from the Bill Pay activity panel in the Bill Pay carousel. To cancel a one-time payment, follow the instructions below:
In the Bill Pay activity panel in the Bill Pay carousel, click the payment you want to cancel.
Result: The payment details window appears.Click the cancel payment button.
Result: The preview: cancel payment window appearsClick the cancel payment button.
Result: The confirmation: cancel payment window appears.
Note: You can turn off this confirmation page, by checking the don’t show me this again option.Click close.
Result: The payment is cancelled. You can verify this action in the Bill Pay activity panel in the Bill Pay carousel.
Can I cancel an auto-pay?
Yes, you can cancel an auto-pay or an auto-pay rule from the Bill Pay activity panel in the Bill Pay carousel. Please follow the instructions below:
AUTO-PAY
In the Bill Pay activity panel in the Bill Pay carousel, click the payment.
Result: A payment details window appears.Click the cancel payment button.
Result: A window appears that allows you to cancel the payment or the automatic rule.Click cancel just this payment.
Result: The preview cancel payment window appears.Click cancel payment.
Result: The confirmation: cancel payment window appears.
Note: You can turn off this confirmation page, by checking the don’t show me this again .Click close.
Result: The payment is cancelled. You can verify this action in the Bill Pay activity panel in the Bill Pay carousel.
AUTO-PAY RULE
In the Bill Pay activity panel located in the carousel, click the payment.
Result: A payment details window appears.Click cancel payment button.
Result: A window appears that allows you to cancel the payment or the automatic rule.Click cancel automatic rule.
Result: The confirmation: auto-pay options window appears.
Note: You can turn off this confirmation page, by checking don’t show me this again .Click close.
Result: Your auto-pay rule for that biller has been canceled.
How much does the online Bill Pay service cost?
There is no monthly fee to use online Bill Pay. The first 15 payments you make are free; after 15 payments are made, there is a fee of $0.50 per payment.
Credit & Debit Cards
How do I change my personal identification number (PIN) for my debit card?
You may change your PIN at any of our ATM locations, by calling 1-800-992-3808, or through the Debit Card Controls feature in the DoverPhila mobile banking app.
How do I report my credit card or debit card lost or stolen?
During regular business hours, always contact DoverPhila directly. After hours, for a lost or stolen Visa® credit card, call 1-800-558-3424, for a lost or stolen debit card, call 1-833-337-6075, for a lost or stolen ATM card, call 330-364-8874.
Where are your ATMs located?
We have surcharge-free options to access your money, almost anywhere. Check our locations by clicking here.
How do I dispute a charge on my Visa® bill or an incorrect charge on my debit card?
To dispute a charge on your Visa® contact 1-800-558-3424. For an incorrect charge on your debit card contact our Card Services Department.
How can I apply for a Visa® credit card?
You can apply online or contact a DoverPhila member service representative for a Visa® application. All applications are processed online.
Why am I told not to use my debit card online, but I can use my credit card online?
A credit card has a safety net because you can dispute a charge that appears on your card and get it removed from your account. You do not have to pay the charge in question while it is being disputed. When you give your debit card information, you are authorizing money to be taken directly from your DoverPhila account. Once you give this authorization, we cannot stop the transaction and the money is removed from your account. If your information gets compromised, it is more difficult to get your funds back. If the charge in question has a signature, even if it is not your signature, the funds are gone. It is the member’s responsibility to dispute a charge with the company that has taken funds using a debit card.
Loans
What are the advantages of getting a loan at DoverPhila?
At the credit union, you will find a variety of loan programs with low rates, no pre-payment penalty or hidden fees, and various repayment schedules, along with local loan officers making all approval decisions.
How long does it take to approve and process an auto or personal loan application?
After applying for an auto or personal loan, you should have an answer no later than the afternoon of the next business day. In many cases, you can apply, be approved, sign the documents, and get your check all in the same day.
What are your loan rates?
Please see our loan rates page for current rates.
How can I apply for an auto loan?
Apply online, over the phone, or in person at any of our five locations.
How do I apply for a mortgage or home equity loan?
Apply for a mortgage loan online – or make an appointment with our Mortgage Department. Please contact the Mortgage Department to make an appointment or request an appointment through our contact page.
Do you sell your first mortgage loans?
We retain all servicing for mortgages written at the credit union but there are occasions where first mortgages can be sold if qualifications are met.
Do you offer lease options?
No.
Do you offer commercial lending?
No, we do not offer commercial lending at this time.
Do you offer student loans?
Although we do not offer student loans, we do offer personal loans and home equity lines of credit. These are two great ways to help finance your private, continuing or higher education needs. We also partner with LendKey to offer a student loan refinancing option.
Is there a pre-payment penalty on installment loans?
No.
How long do I have to be a member of the credit union before I can get a car loan?
Once you’re a member, you are immediately eligible to apply for any type of loan offered by DoverPhila.
How do I pay off my loan early?
You may pay off your installment loan any time at any office, and you can call DoverPhila to get the exact payoff amount of your loan with interest that has accrued since your last payment. If you need your title immediately because you have sold the vehicle, please visit our Main Office on Fillmore Avenue in Dover.
How soon will I get my title after paying off my car loan?
You will receive your title typically within 10-14 business days of receipt of your loan payoff.
Can I have my loan payment(s) made automatically from my share (savings) or draft (checking) account?
Yes. Automatic payments may be set up for any date that is convenient for you during the month. Contact a credit union employee to have an automatic payment form completed. Then, each month on your selected date, the amount of the loan payment will automatically be transferred from the account you selected and applied to your loan.
What is Skip-a-Pay?
The Skip-a-Pay Program allows members to choose the month of their choice to skip one payment per calendar year on qualifying loans. To learn more about this option, please see a DoverPhila member representative.
How long does a repossession stay on my credit report?
Seven (7) years from the day the loan first became delinquent.
Will I still owe money after my vehicle is repossessed?
Yes. Even though your vehicle has been repossessed, you are still liable for any and all costs incurred by the financier.
What obligations does a co-signer have if a vehicle has been repossessed?
The co-signer of any loan has the same financial obligations and liabilities as the borrower. Co-signing a loan means that you are willing and able to ensure that loan payments are made in any situation in which the borrower fails to pay. Any repossession can and, generally, will be reported on your credit report, as well as on the borrower’s. Additionally, since your financial situation is likely better than the borrower’s, debt collectors would possibly come after you more aggressively for repayment of any deficient loan balance. You can be sued and have your wages garnished or bank account frozen, just as the borrower.
If I’m having trouble with my finances, is it a good idea to see a credit counseling agency?
As a DoverPhila member you have access to ongoing and free financial education, which may prove far more helpful than an organization claiming to eliminate your debt. If you have concerns about your financial situation, contact us first.
Other Services
Does DoverPhila offer other services to its members?
We offer notary public services, wire transfers, Signature Guarantee, Personal Access Line (PAL), and direct deposit services, as well as gift cards. Click here to learn more about these services. We do not have safety deposit boxes.
Complete our direct deposit change request/authorization schedule and provide step 3 to your employer and step 3.5 to the credit union. Be sure to provide your full account number. For example, if you’re using a checking account, you’ll need the full nine (9) digits
Can I transfer funds between my DoverPhila account and my account at another financial institution?
Yes! You can transfer funds from a non-DoverPhila account to your DoverPhila account by using our mobile banking app. You can also use Zelle® to send and receive money from friends and family.
Is my PAL line personal identification number (PIN) the same as my ATM card PIN?
No. The PAL telephone access PIN is the last four digits of the primary members social security number. Members can choose to change their PAL pin once in the PAL system.
Do you offer investments or investment advice?
We do not offer investment advice or investments such as annuities or mutual funds. However, we do offer traditional and Roth IRAs, Health Savings Accounts, and Coverdell Education Savings Accounts.