Conference 7.286::dcu

    This is a new part of the telephone service.  I edited an excerpt of a
    previous note below.  I am glad to see that the credit union is trying
    to reduce costs.  I note that SEARS (not a credit union) is automating
    all of their customer services and eliminating those employees.
    
        MORE FEATURES ADDED TO DCU'S EASY TOUCH
        Three new services have been added to our Easy Touch Audio 
        Response System:
        
        1) Last 5 checks to clear
        You can now receive a listing of the last 5 checks that have 
        cleared your checking account. (Transaction type 1, Inquiries; 
        then press 4.)
        
        2) Payroll posting
        You can now check on the last payroll deposit made to your 
        account.  (Transaction type 1, Inquiries; then press 5.)
        
        3) Last deposit
        You can now check on the last deposit made to any of your 
        accounts. (Transaction type 1, Inquires; then press 6.)
        
        REMEMBER, with our Easy Touch Audio Response System, you may 
        access your DCU accounts with a touch-tone phone 24 hours a 
        day, 7 days a week.  Just call DTN/223-9943, 508/493-9943, or 
        800/322-1232.
        
        To sign up for an Easy Touch PIN (Personal Identification 
        Number), or to receive updated Easy Touch instruction, contact 
        your nearest DCU branch, or call our Member Service Center at 
        DTN/223-8444 or 508/493-8444.

    No fees for DCU ATM use.

    >No fees for DCU ATM use.
    
    They do not charge, yet, for using the tellers either...  
    
    	- mark

	Re. .0

	I hate to be defending DCU, but in this case I will.

	What you have described in .0 is not a normal service. Indeed, most
	banks would not provide this service (without a charge). This service 
	does take up the attendant's time and other resources. The fact that 
	it makes checkbook balancing easier for you is no justification. Most 
	people, who balance their checkbooks, would find DCU's monthly 
	statement quite adequate for that purpose.

	I would think that if you needed this kind of service once in a while,
	say, when you were tracking a large deposit/withdrawal, this should
	be OK. But when you do this on a weekly basis, it is not an ordinary
	service, and should be charged. Something like 4 free reports/year,
	the rest charged at foo$/report (small foo) would be reasonable, IMO.

	Sorry, no offense intended.

    RE:.4

    		You miss the point, it's irrelevant whether what I was doing
    was a normal service or not.  The point is it's one more service that
    they used to do for nothing that they now charge for.

    Joe
    
    P.S. .1 - Thanks I didn't know that those
              services had been added.

    Joe,
    
    I used get "Demand Statements" from DCU from time to time and they have
    always hit me up for the $2.00.  How cum you've been gettin' it for
    free??!  Lately, I've been using EASY TOUCH and I love it.
    
    There is a published schedule of fees you can get from your local
    branch.
    
    Checking is still free (for now).  DCU backed off implementing these
    fees after trying to pull a fast one over on us.  (Implementation of
    fees disguised under a fancy name for checking accounts).  The last
    thing I heard was they were not going to implement the fees at this
    time, but may do so at a later date.  Anyone have the latest on this??
      
    
    Thomas

Re: .6

I bet there will be no further changes until after the election. DCU will
wait and see what the new BoD will be like.

    Re: .7
    
    Unless some petition candidates are elected, DCU already knows what
    the new BoD will be like...
    
    Jim

    RE:.6

   > I used get "Demand Statements" from DCU from time to time and they have
   > always hit me up for the $2.00.  How cum you've been gettin' it for
   > free??!  Lately, I've been using EASY TOUCH and I love it.

    	If I understood right for $2 you got the entire quarter, all I
    was getting was a quick print out of the last 7 days.  You know my
    account would be on the screen showing the activity for the last week
    and they would just hit the print screen key (I think).

    Joe

    RE .9
    
    I used to get statements for anywhere from 1 to 3 weeks at a time and
    would be charged most of the time.  Since I've been using EASY TOUCH
    I don't need to get statements anymore.  I makes it a lot easier to 
    track checks going thru your account.  Once you get in the key strokes
    are 1#  4#  5#   to find out the last 5 checks that have cleared on
    your account.  You can also transfer monies between accounts to cover
    any outstanding checks.  It's one of the best things DCU has going
    right now.
    
    Thomas

re .6:  Once or twice a year I ask my bank for a printout of account activity
for one reason or another (usually to find out if a particular check cleared) - 
there's never any charge for it.  So DCU's charging for that service simply
makes it more expensive...

  I've always gotten demand statements for free too, but when I requested one
a couple of weeks ago, I was told it would be $2 unless it was only one page
long.  So, I asked for the last 7 days and got it for free.  Sounds like the
"policy" is more like a site by site "practice".

    I lost my wallet a while back.  I had a couple receipts from DCU in it,
    that had not made my check book yet.  In the process of canceling CC, I
    asked for a transaction list for the time period I thought I had
    receipts from.  The teller gave it to me without question or cost.  I
    expected that this occur, in this case and DCU did right by me.

    	- mark