Merger Update

Page last updated: 01/22/2017

Welcome Polk County Schools
Employees Credit Union members
to Des Moines Police Officers’ Credit Union!

At a special meeting of the membership on Tuesday, September 27, 2016 a quorum of Polk County Schools Employees Credit Union (PCSECU) members voted unanimously to merge PCSECU with the Des Moines Police Officers’ Credit Union (DMPOCU).  The staff and board of DMPOCU are excited by the positive response to this merger, and are pleased to welcome you as new members of our credit union!

While we anticipate a smooth transition of your PCSECU accounts to DMPOCU, we have setup this page so we can communicate updates and any issues as soon as they arise.  Please bookmark this page and refer back to it often.

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Dates to be aware of:

Week of December 11: This Merger Guide was mailed to all PCSECU members. It will answer many of the specific questions you have regarding the merger, and how we will convert your accounts. Please review this packet carefully, and let us know if you have any additional questions.

Week of January 8: If you currently hold a PCSECU Credit Union debit or credit card, you will receive a replacement DMPOCU card in the mail this week. It will arrive in a plain white envelope, so please do not discard it.

Saturday, January 21: We will officially transition your accounts to DMPOCU. There may be some service interruptions this weekend. Please refer to the Merger Guide for specific dates and details about the availability of your funds, as well as when we anticipate you will have access to your new DMPOCU accounts.

In addition, our staff will answer your merger-related calls at both offices (PCSECU & DMPOCU)
on Saturday, January 21 from 8:00am-4:00pm.

DMPOCU: (515) 243-2677   •   PCSECU Office: (515) 276-6083

 

Merger-Related Communications:

    • All PCSE Credit Union members were mailed this letter in early October.
    • All PCSE Credit Union members were mailed this Merger Guide in mid-December.
    • All PCSE Credit Union members were mailed this letter in early January.

Latest Merger Update:

01/22/17: The merger is complete! Thanks for your patience! Both credit and debit cards, as well as online banking, are active. If you have any questions or problems going forward, please call or stop in to any DMPOCU branch.

EARLIER UPDATES:

01/21/17: The merger is taking a bit longer than anticipated.  Here are the latest updates:

  • Debit cards are active and can be used.
  • Credit cards are not yet active, but we are working on it and hope they will be active sometime on Sunday.
  • Online banking is active and you can login, however we have not loaded all of the information, so there may be some account information (particularly credit cards and loans) missing.  We hope Online Banking will be fully updated sometime on Sunday.  As a reminder, the first time you login, your password will be the last 4 digits of the primary member’s social security number. As a reminder, your new member (account) number will be 6 digits. It will start with a 3 and will include your old account number. So, if your old account number is 1234, your new account number will be 301234.

Please continue to check this page for further updates.

01/21/17: The phone lines are down at the Urbandale branch. Please call the main number at (515) 243-2677 and you will be transferred.


01/19/17: To clarify, we WILL be reopening the Urbandale branch after Saturday’s merger.  The Urbandale branch will reopen Monday, Jan. 23rd at 9:00 a.m. and will have business hours of M-F— 9 a.m. to 5:30 p.m.  We are also keeping all of the staff members from PCSECU!

As a reminder, you will also have access to TWO additional DMPOCU branches with extended hours (and drive-thru service at our Main Branch), as well as more than 5,000 Shared Branching locations nationwide.


01/17/17: We have just learned that members cannot login to online banking until sometime on Saturday, Jan. 21st. We apologize for any inconvenience this may cause.

However, when that service is available to you, simply enter your member (account) number in the field at the top of our website that says, “ENTER YOUR USERNAME” and then click on “Login.”  Then, you will be taken to a password screen.  The first time you login, your password will be the last 4 digits of the primary member’s social security number. As a reminder, your new member (account) number will be 6 digits. It will start with a 3 and will include your old account number. So, if your old account number is 1234, your new account number will be 301234.


01/12/17: The PCSECU online banking and bill pay site will be shut off on January 18th.  If there is any information you need from this site (payee names/addresses, account numbers, etc.), please be sure to save that information prior to Jan. 18th.


01/12/17: Currently all PCSECU members receive dividend payments on a quarterly basis.  Going forward, dividends will be paid monthly.


01/09/17: You Can Activate Your DMPOCU Online Banking Service Anytime Through Feb. 28, 2017

If you activate your free online banking service with DMPOCU now, you will see $0 balances. However, you DO NOT need to contact us to initially turn on your online banking — you will have until the end of February to complete this process on your own. You will only need your member (account) number and the last 4 digits of the primary member’s social security number to login.  As a reminder, your new member (account) number will be 6 digits. It will start with a 3 and will include your old account number. So, if your old account number is 1234, your new account number will be 301234.

01/04/17: Credit & Debit Card FAQs

If you had a credit or debit  card with PCSECU, you will automatically receive a new DMPOCU card.  We have ordered most of the debit and credit cards for primary and joint owners/authorized signers. Below are answers to a few questions you may have:

Gold Credit Card

 

    • Why did primary member only get a card? Primary card holders were ordered first, and joint card holders were ordered a couple days later so the card is should be in the mail.
    • Why can’t I activate my card? A majority of the cards have incorrect phone numbers. If you cannot activate your card from your home phone number, please call our office at 515-243-2677 so we can update your information.
    • What kind of card will I receive? Everyone who had any credit card at PCSECU will receive a GOLD MasterCard from DMPOCU.  If you had a checking account with an active debit card, you should receive a debit card as well.
    • What is the interest rate on my credit card? The GOLD credit card rate is currently 10.9% APR.
    • What is my credit limit? The credit limit was set to the same limit you had at PCSECU. For example, if a member had a $500 limit, it is still $500. If it was $10,000, it should still be $10,000. If you would like a higher limit, please call us at 515-243-2677 or email info@dmpo-cu.org to request a limit increase.

Debit Card

 

  • Why didn’t I get a card even though I had one at PCSECU? Some PCSECU members were given an ATM card to access only their savings accounts, however we do not offer this feature. If you would like a no-fee debit card, you will need to open a checking account with us.
  • What is my debit card daily limit? $510 for PIN based transactions, and $5,000 for credit. There are no exceptions to these limits.
  • I don’t want my card, do I need it? No. If you do not want the card you received, please let us know and we will close it.
  • Are there any major differences between my former PCSECU card and my new DMPOCU card? One major difference is that transactions on the DMPOCU card are done in real-time. Real-time transactions process/decline so members have instant feedback at stores and point-of-sale terminals.

01/04/17: The Urbandale PCSECU branch will close at 2:00 p.m. on Friday, January 20th.


12/20/16: Members who currently carry a PCSECU credit card currently will receive a January statement showing a minimum payment due of $0. This means you can skip your January payment if you wish, and there will not be a fee charged if you choose to skip your payment. However, interest will continue to accrue on your account. Of course you can make a payment if you would like to.