Online Services

Text Banking

Text Banking is another way the Credit Union can keep you connected to all your account information. Text Banking is a part of Dayton Firefighters FCU electronic banking services. With Text Banking, you have your account balance and account information sent to your cell phone via a text message; you get all your account information at your fingertips anytime anywhere.

• FREE*
• Must be signed up for online banking, signed up for Text Banking and register your cell phone
• Works on any SMS enabled phone capable of sending text messages to email addresses
• No Internet-enabled device required
• Members can choose to receive account balance only, last three transactions only or both account balance and last three transactions
• Transactions conducted through Text Banking are posted several times daily, except during weekend and non business hours
• Through text messaging members can:
  • Receive account balances
  • Receive account history
  • Receive check clearing
  • Transfer funds and make loan payments within accounts

* Standard text messaging fees apply from cell phone provider

• Sign-Up/Access Now (login to Online Banking and click on New TXT Banking)
• Security Information
• Learn More
• Text Banking Disclosure
• Text Banking Command Codes

Security Information

Text Banking is safe. The system uses a multi factor authentication, something you know (a PIN number) and something you have (your registered cell phone). Your online banking will only respond if the request comes from your registered phone and we will only send information to your registered phone.

Learn More

If you have a cell phone, know how to text and are signed up for home banking with your credit union, you can get your account information on your cell phone. This is a safe convenient and fast way to get balances, transfer money, see what checks have cleared and so much more

It is convenient. Day or night, anytime anywhere as long as you have a cell phone, service and texting ability, you can have your account information at your fingertips.

• Safe
• Convenient
• Fast
• Works with any SMS cell phone

Want more information? Call 228-1614 or log into your online banking account. Not signed up for home banking? Sign up at www.dffcu.org and start texting!

This is fast! Whether you are a professional texter or just learning, you will receive your credit union information in seconds. Once you have your account set up, just e-mail df@cutxt.com to get balance information and so much more. No internet connection required and no computer needed after initial activation and registration of your phone.

You can set up your cell phone to send and receive credit union information by logging on to your home banking and signing up for texting service. Not already a home banking user? Sign up today at www.dffcu.org; you will get access to your account online and now by cell phone.

*Certain restrictions apply. The credit unions SMSHB message are subject to any of the terms and conditions of your agreement with your cell phone carrier. You are responsible for any fees imposed by your cell phone service provider even if your use of SMSHB service causes those fees to change.

Text Banking Disclosure

Your credit union's SMS home banking service ("SMSHB") enables you to access your account(s) through an SMS text-enabled cell phone.

By activating one or more cell phones for this service, you agree to the following terms and conditions:

The SMSHB service allows you to request and receive electronic text messages about your accounts and/or request certain pre-authorized transfers on your account(s) at the credit union. We send text messages to you based upon the instructions you provide at the time of the SMSHB request that you send. You hereby acknowledge and accept that each message is sent to you without being encrypted and will include certain information requested on your credit union account(s).

You may request and receive text messages concerning your accounts on any text-enabled cell phone. It is your responsibility to determine if your cell phone service provider supports text messaging and your telephone is capable of receiving text messages. The credit union's SMSHB messages are subject to any of the terms and conditions of your agreement(s) with your cell phone carrier. You are responsible for any fees imposed by your cell phone service provider even if your use of the SMSHB service causes those fees to change.

Once you activate your cell phone for this service, YOU are responsible for keeping any personal information in your cell phone secure. For your protection, you agree to:

1. Login to home banking and cancel your SMSHB service if you cancel your service with your cell phone provider.
2. Login to home banking and cancel your SMSHB service if your cell phone is lost or stolen.
3. Login to home banking and cancel or edit your SMSHB service if you change your cell phone provider or change your cell phone number.
4. Erase your 'Sent Messages' and 'Inbox' that may contain your SMSHB PIN number or other information.

You acknowledge, agree and understand that your receipt of any SMSHB messages may be delayed or prevented by factor(s) affecting your cell phone service provider and/or other factors outside our control. We neither guarantee the delivery nor the accuracy of the contents of any message. You agree to not hold the credit union, including its agents, employees, or volunteers, liable for any losses, damages or costs that may arise in whole or in part, from:

1. a non-delivery, delayed delivery, or the misdirected delivery of any message;
2. inaccurate or incomplete content in any message; or
3. your reliance on or use of the information provided in any SMSHB service message for any purpose.

The credit union provides this service as a convenience to you. We do not use text messaging for any purpose not included in this system and will not respond to text messages sent to us that do not comply with appropriate action codes. A SMSHB message does not constitute an official record for the account to which it pertains. The credit union reserves the right to terminate this service or begin charging a fee for such service at any time without prior notice to you. All provisions of any agreements or disclosures previously made pertaining to your credit union accounts remain in effect and are not superseded or amended by this agreement.

Text Banking Command Codes

To use Txt Banking, send a message to df@cutxt.com from your cell phone.

Message Examples:
To receive your deposit balances (if your PIN is 1234) send: BAL 1234 OR To receive your history for type A account (if your PIN is 1234) send: HIS 1234 A

Command Reference

To Receive	Send This Text Message*
Account Balance	BAL [your PIN]
Account History	HIS [your PIN] [optional suffix]
Loan Balance	LBAL [your PIN] [loan suffix]
Loan History	LHIS [your PIN] [loan suffix]
Account Type List	ACC [your PIN]
Loan List	LOA [your PIN]
Check Clearing	CHK [your PIN] [check number] [checking suffix]
PIN Change	PIN [your PIN] [new PIN]
Transfer of Funds	TRN [your PIN] [from suffix] [to suffix] [amount]
Payment on Loan	PMT [your PIN] [from suffix] [to loan suffix] [amount]
Set Default Account Type	SET [your PIN] [account suffix]
HELP followed by any code	HELP [ACC] [HIS] [LOA] [CHK] [PIN] [TRN] [PMT]
* Legend account type - The account type you would like to use. amount - The dollar amount of the transfer or payment. check number - The check number you would like to search for. from type - Your account type used for the source of funds for your payment or transfer. loan number - Your loan number you would like to query against. new pin - Your new access pin you would like to use. optional type - By default your message will use the default account type. Include an account type here when you would like to use a different account type. to loan number - Your loan number you would like to make a payment to. to type - Your account type you would like to transfer funds to. your pin - Your current access pin.