Annual percentage rate (0% to 18%) Initial term in months (0-120 months) Desired table display. Calculate. Apply For a Loan. Many factors determine the total loan amount for the purchase of a new or used vehicle. Use our auto loan calculator to …They make you open a checking account with direct deposit to get the 1.5% rate, which I did. Everything was going fine and I had no issues and was quite pleased, thinking I'd do more banking with them. However, the bank recently underwent an IT systems overhaul, and after that, apparently someone opened a credit card for $10k, and an additional $1k If you receive an unexpected or unknown message (text, phone call, or email) regarding potentially fraudulent activity on your DCU account, please do not respond to the alert or provide information to anyone calling about the unknown activity mentioned in that message. Instead, please call DCU’s Information Center directly at 800-328-8797. Pave your path to adventure with 30,000 bonus points after spending $1,500 within 90 days of opening a Truist Enjoy Beyond credit card account. Apply now See rates, fees & rewards Learn more. Sign in to your Truist bank account to check balances, transfer funds, pay bills and more. Our simple and secure login platform keeps your information safe.Navigating the world of online banking can be daunting, but with DCU (Digital Federal Credit Union), it's simpler than you think! This detailed tutorial will...Secure online banking services from The Co-operative Bank. Free, fast and easy to use internet banking that allows you to manage your money 24 hours a day, 7days a week ... The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority ... 11.49%. $14.05 - (Minimum Loan Amount $25,000) Up to 180 Months. 11.49%. $11.68 - (Minimum Loan Amount $50,000) Rates are effective March 21, 2024. ¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. We would like to show you a description here but the site won’t allow us.INFO CENTER. We strive to make our website a convenient, easy-to-use informational tool. But if you can't find the answer you're looking for, our well-trained representatives in DCU's Information Center are happy to assist you! The Information Center is available weekdays from 8:00am to 9:00pm and Saturdays from 9:00am to 3:00pm, Eastern Time.Transfer funds. Set up automatic payments. Reorder checks. Receive mobile alerts. Stop payments. View e-Statements (learn how to sign up for e-Statements here) Manage credit cards. Pay bills. You can also integrate your Online Banking with the personal financial management program of your choice.In Citadel's Online & Mobile Banking, you can move money between your accounts one time, or on a recurring basis. Funds can be transferred between two of your Citadel accounts, or to and from your accounts at another financial institution. Here's how it works. To learn more about Online Banking and the Citadel Mobile App, … Desktop. Log into your Digital Banking Account. Select the Move Money tab and click Transfer Money or go to Accounts and select the account you wish to transact with and click Transfer. Select your From and To accounts and enter the amount you wish to transfer. Choose a Frequency option, if making a reoccurring transfer enter the time period ... Online Balances Transfer Benefits. Transfer balances from high rate credit and store cards and start saving immediately. Pay off your Visa, MasterCard, Discover, American Express, or even a store card (Best Buy, Target, Kohl's, Apple, Walmart, etc.) Simple online transfer process. Immediate notification when your transfer is …Navigating the world of online banking can be daunting, but with DCU (Digital Federal Credit Union), it's simpler than you think! This detailed tutorial will...Loan Calculator · Find out what we offer our members · Savings · Loans · Online Banking · Insurance · Mobile Banking App · Last Mon...Online Banking puts you in control. With an array of functionality, you can manage your money, pay bills and much more, whenever it's convenient. Simplify your life and save time for more important things by making full use of our digital banking solutions. Enhanced security delivers peace of mind. Access up to two years of account history. 11.49%. $14.05 - (Minimum Loan Amount $25,000) Up to 180 Months. 11.49%. $11.68 - (Minimum Loan Amount $50,000) Rates are effective March 21, 2024. ¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. dcu.org | [email protected] | 8.328.8 1 2a DCU 8. 24.223 Insured by NCU Membership Application Checklist To speed up the processing of your application, please follow these steps: 1. If you are 18 or older, complete your membership application online by visiting dcu.org. If not, 2. Fill out the application completely and sign it. For $100.00 you will enter 10000#. Press # after each entry (only if prompted). To speed up transactions you can enter information before Easy Touch stops talking. Example: Member Number 1234567 and PIN 1234 can be entered as 1234567#1234# as soon as touch-tone Easy Touch begins speaking. DCU's Easy … 32 years at the DCU. 32 years at the DCU, and it continues to grow downhill. Poor customer service, long wait times, and noncompetitive interest rates. The website design is poor and I dislike the new bill payer. Workers in the Andover branch appear to have little sense of urgency. Many are not busy and keep you waiting. DCU - Digital Federal Credit Union: How to Log In to Online Banking for the First Time. 2.96K subscribers. Subscribed. Like. Share. 20K views 4 years ago. Digital …Online Banking gives you access to your account information from any desktop or laptop. Our free* Mobile Banking app offers the added convenience of accessing your accounts from your smartphone or tablet. We want you to be able to interact with us and your accounts in all the ways that work for you. View account balances, transactions and ...To view your daily limit, log in to Online Banking. When in the External Transfers tab, a blue (i) will appear next to the Amount option. Click the (i) and the system will inform you of your daily and monthly limits for the accounts you select from the drop down menu. For questions related to your limit, please call 800-649-4646.Wells Fargo Bank, N.A. Member FDIC. QSR-0423-03296. LRC-0423. Manage your bank accounts using mobile banking or online banking. With the Wells Fargo Mobile® app or Wells Fargo Online® Banking, access your checking, savings and other accounts, pay bills online, monitor spending & more.In our Current Banking Review, we delve into how this online-only bank works. Read to find out if a Current account is right for you. Current is popular banking app and card that o...Phone Number: (800) 328-8797. Report Phone Problem. Address: DCU Worcester - Crossing Branch 11 Tobias Boland Way Worcester, MA 01607. Website: Visit Website. Online Banking: DCU Login.CapEd Credit UnionAdd a new debit or credit card to the Wallet app, or add a card you previously used on a device associated with your Apple ID. In the Wallet app, tap the Add button. Tap Debit or Credit Card. Tap Continue. Follow the steps on the screen to add a new card. If prompted, choose your bank or card issuer from the list or find them using the search bar.Online Banking gives you access to your account information from any desktop or laptop. Our free* Mobile Banking app offers the added convenience of accessing your accounts from your smartphone or tablet. We want you to be able to interact with us and your accounts in all the ways that work for you. View account balances, transactions and ...Pave your path to adventure with 30,000 bonus points after spending $1,500 within 90 days of opening a Truist Enjoy Beyond credit card account. Apply now See rates, fees & rewards Learn more. Sign in to your Truist bank account to check balances, transfer funds, pay bills and more. Our simple and secure login platform keeps your information safe. Before-tax return on savings (-12% to 12%) Marginal tax bracket (0% to 75%) Calculate. This calculator is the property of CalcXML and is licensed for use on dcu.org. It is provided as a self-help tool for your independent use. The results shown are based on information and assumptions provided by you regarding your goals and financial situation. Member Benefits Personal Accounts Installment Loans Mortgage Solutions Credit Cards Business Accounts Student Loan Refinancing DOVER-PHILA IS YOUR CREDIT UNION. When it comes to banking, DoverPhila Credit Union has long been a well-kept secret in our community. Where else can you get your personal and business banking needs met by …Transfer funds. Set up automatic payments. Reorder checks. Receive mobile alerts. Stop payments. View e-Statements (learn how to sign up for e-Statements here) Manage credit cards. Pay bills. You can also integrate your Online Banking with the personal financial management program of your choice.A bank account can be accessed in many ways. When someone gets access to your account, that person can take funds without your knowledge. If you want to stop unwanted access, you h... To view your daily limit, log in to Online Banking. When in the External Transfers tab, a blue (i) will appear next to the Amount option. Click the (i) and the system will inform you of your daily and monthly limits for the accounts you select from the drop down menu. For questions related to your limit, please call 800-649-4646. CapEd Credit UnionVisit any branch location to open your account. For questions call 321-455-9400 (inside Brevard) or 800-662-5257 (outside Brevard). Launch CU recognizes its responsibility to protect the privacy and personal information of our youngest members, (children under the age of 13). Our COPPA policy's primary goal is to … 11.49%. $14.05 - (Minimum Loan Amount $25,000) Up to 180 Months. 11.49%. $11.68 - (Minimum Loan Amount $50,000) Rates are effective March 21, 2024. ¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Discover® Bank: Best for Avoiding Fees. Discover has a zero-fee policy, which means no monthly fees, no overdraft fees and no ATM fees. Axos Bank: Best for ATM Access. Axos Bank made the list ... In order set up recurring Direct Deposit to your DCU Checking or DCU Savings Account, simply provide your employer or other payment provider with DCU's routing and transit number/ABA# – 211391825 . To deposit funds to your DCU Checking Account, provide your employer or other payment provider with your checking account cross reference number. To pay a loan with one of your ORNL FCU accounts, simply log in to Online Banking. Site Search Close. Search Search When autocomplete results are available use up and down arrows to review and enter to select. ... Bank Anywhere. Pay bills and loans, move money quickly between accounts, and make secure mobile deposits.Full service banking including accounts, loans and retirement planning. No monthly maintenance fees or minimum account balances required. Highly competitive …Whether you have just inherited money, are starting up a new business, have received a job promotion, have recently had a child or any other major life change, you may want to cons... eStatements are electronic versions of your monthly statements that can be viewed through Digital Banking. eStatements offer many additional benefits above the standard paper statements including: Electronic Tax Forms – No waiting for your tax forms in the mail. You even get your electronic tax form earlier in the month than if you had to ... 5 Jan 2024 ... Try YouTube Kids · Truth Web · Logging into Digital Banking for the first time on Desktop. · DCU - Digital Federal Credit Union: How to Log In t... Digital Banking Mobile App - Log on and go to the Membership tab. You will have a place to update your email address, phone number and home/mailing address under PROFILE > Personal. The Information Center – Call us at 800.328.8797, weekdays from 8:00 am to 9:00 pm and Saturdays from 9:00 am to 3:00 pm, Eastern time. Online bill pay is a free service within PNC Online Banking that is available for residents within the US who have a qualifying checking account. We reserve the right to decline or revoke access to this service. Payments to billers outside of the United States or its territories are prohibited through this service.Online Balances Transfer Benefits. Transfer balances from high rate credit and store cards and start saving immediately. Pay off your Visa, MasterCard, Discover, American Express, or even a store card (Best Buy, Target, Kohl's, Apple, Walmart, etc.) Simple online transfer process. Immediate notification when your transfer is …Online Deposited Checks: To review the status of checks deposited to your DCU account through Remote Deposit Capture, or to view copies of such checks, following these steps: On a Mobile Device – tap the Move Money tab, then select Check Deposit, and click on the folder icon on the top right of the screen; On a Web Browser – select the Move ...4.75%. 4.86%. Rates are effective March 23, 2024. ¹APY = Annual Percentage Yield. Rates are variable and are subject to change at any time at DCU’s discretion. The rate will remain in effect for the term of the certificate once issued. QuickStart Certificates are for members under age 23. Dividends compounded daily, credited … Desktop. Log into your Digital Banking Account. Select the Move Money tab and click Transfer Money or go to Accounts and select the account you wish to transact with and click Transfer. Select your From and To accounts and enter the amount you wish to transfer. Choose a Frequency option, if making a reoccurring transfer enter the time period ... Mobile and online digital banking to make life simple. Access funds and manage accounts from anywhere. Get the DNCU Mobile App today! DNCU Del Norte Credit Union PLAY STORE On the App Store. INSTALL VIEW. Del Norte Credit Union will be closing at 3 p.m. on Friday, March 29th, in observance of Good Friday. Online Banking will still be … Digital Banking Mobile App - Log on and go to the Membership tab. You will have a place to update your email address, phone number and home/mailing address under PROFILE > Personal. The Information Center – Call us at 800.328.8797, weekdays from 8:00 am to 9:00 pm and Saturdays from 9:00 am to 3:00 pm, Eastern time. In our Current Banking Review, we delve into how this online-only bank works. Read to find out if a Current account is right for you. Current is popular banking app and card that o...Portal Pay is not an online banking service, but it is an online payment option located on our website. If you don’t use DCU online banking but need to make an online loan payment, this option is for you. This online payment service also comes with a fee. Payments made with a debit card or credit card are $5. ACH payments are $1. Add a new debit or credit card to the Wallet app, or add a card you previously used on a device associated with your Apple ID. In the Wallet app, tap the Add button. Tap Debit or Credit Card. Tap Continue. Follow the steps on the screen to add a new card. If prompted, choose your bank or card issuer from the list or find them using the search bar. Screenshots. iPhone. iPad. DCU’s digital banking platform brings together innovative tools and unique features that put you in the financial driver’s seat. You can deposit checks, transfer money, view your balance – and a whole lot more. TAKE CONTROL OF YOUR MONEY. • FutureLook™ helps you see into your financial future with … Add a new debit or credit card to the Wallet app, or add a card you previously used on a device associated with your Apple ID. In the Wallet app, tap the Add button. Tap Debit or Credit Card. Tap Continue. Follow the steps on the screen to add a new card. If prompted, choose your bank or card issuer from the list or find them using the search bar. On high-yield accounts requiring a minimum deposit of $10,000, today’s best interest rate is 5.35%. That’s unchanged from one week ago. The average APY for …Add a new account to your membership by clicking on “Apply & Open” within your online banking account. You can also visit a Broadview branch near you, or call our Member Solutions Center at 800-727-3328 .Discover® Bank: Best for Avoiding Fees. Discover has a zero-fee policy, which means no monthly fees, no overdraft fees and no ATM fees. Axos Bank: Best for ATM Access. Axos Bank made the list ...Consumer Online Banking Login; Business Online Banking Login; Personal. Checking Accounts. Free Kasasa® Rewards Checking; Kasasa Protect™ Student Checking; Youth Accounts; Free Checking; Savings, Money Markets & CDs. Kasasa Saver® CD Specials; Retirement Accounts; Mortgages. Meet Our Mortgage Team; MY LOAN PORTAL; No …Jump-Up Regular Certificate Rates. Jump the rate up one time per term – you decide when | Minimum balance of $500.00 to open. Minimum daily balance of $500.00 to earn APY¹. ¹APY = Annual Percentage Yield. Rates are variable and may change at any time at DCU’s discretion. The rate will remain in effect for the term of the certificate once ...Login. Locations & Hours · FAQs · Contact Chessie · Rates. What can we help you find?Search Search. Make a loan payment Online Banking. Accounts · P...Online Deposited Checks: To review the status of checks deposited to your DCU account through Remote Deposit Capture, or to view copies of such checks, following these steps: On a Mobile Device – tap the Move Money tab, then select Check Deposit, and click on the folder icon on the top right of the screen; On a Web Browser – select the Move ...Membership. PAY MY LOAN. DCU Assistant. Hi, anything I can help you with? Schedule An Appointment. 853 Donald Lynch Boulevard. PO Box 9130. Marlborough, MA 01752-9130. ABA Routing Number: 211391825.No one should have to go hungry, and thankfully, there are food banks in almost every city that can help provide meals for those in need. Food banks are organizations that collect ...Online bill pay is a free service within PNC Online Banking that is available for residents within the US who have a qualifying checking account. We reserve the right to decline or revoke access to this service. Payments to billers outside of the United States or its territories are prohibited through this service.Certain functions in DCU Digital Banking and the Digital Banking App will be intermittently unavailable during the following times: Saturday, 1/6/24 from 12:30AM-4:30AM Saturday, 1/27/24 from 12:30AM-4:30AMMonday – Wednesday: 9am-5pm. Thursday & Friday: 9am-7pm. Saturday: 9am-3pm. Sunday: Closed. Drive-up teller window available. Come bank at our DCU branch located at 15 Greenleaf Way, Burlington, MA. For more DCU locations visit dcu.org.Whether you’re a DCU member or not, there are additional tools and tips you can utilize to help simplify saving. They include: Set up automatic payments from your checking account. By paying your recurring bills, such as credit cards, car insurance and utilities on time, you will avoid late penalties and additional interest fees.Current is an fintech company offering checking accounts and rewards debit cards. Check out our review to determine if it's right for you. Home Banking Banking Reviews Bank fees ...DCU - Digital Federal Credit Union: How to Log In to Online Banking for the First Time. 21K views. 4 years ago · 0:07 · DCU Digital Federal Credit Union - Auto ....Dec 11, 2023 · With a unique-to-you digital banking experience that focuses on your money’s future, you can plan for whatever life throws your way. DCU Digital Banking is here to give you financial peace of mind. ---FUTURELOOK™ FutureLook™ provides insight into your spending habits with an easy-to-read forecast based on your current choices. In Citadel's Online & Mobile Banking, you can move money between your accounts one time, or on a recurring basis. Funds can be transferred between two of your Citadel accounts, or to and from your accounts at another financial institution. Here's how it works. To learn more about Online Banking and the Citadel Mobile App, …Welcome to Online Banking. Forgot user name and/or password? Sign up for Online Banking. View the Online Banking demo. Learn more about TD mobile banking. Find out more about TD Bank's online security and our commitment to provide you with a safe and secure online and mobile banking experience.Individuals can create their own bank statement by creating a spreadsheet on the computer, importing templates from online financial document centers or importing bank statement in...INFO CENTER. We strive to make our website a convenient, easy-to-use informational tool. But if you can't find the answer you're looking for, our well-trained representatives in DCU's Information Center are happy to assist you! The Information Center is available weekdays from 8:00am to 9:00pm and Saturdays from 9:00am …www.dcu.org. 800-328-8797. 220 Donald Lynch Blvd. Marlborough, MA 01752-9130. Digital Credit Union serves hundreds of companies and organizations, as well as hundreds of thousands of members and their families in every state of the country. Measured by assets, it is the largest credit union in Massachusetts and one of the …Membership. PAY MY LOAN. DCU Assistant. Hi, anything I can help you with? Schedule An Appointment. 853 Donald Lynch Boulevard. PO Box 9130. Marlborough, MA 01752-9130. ABA Routing Number: 211391825.Online Balances Transfer Benefits. Transfer balances from high rate credit and store cards and start saving immediately. Pay off your Visa, MasterCard, Discover, American Express, or even a store card (Best Buy, Target, Kohl's, Apple, Walmart, etc.) Simple online transfer process. Immediate notification when your transfer is …The Huntington National Bank is an Equal Housing Lender and Member FDIC. ®, Huntington®, Huntington®, Huntington.Welcome.®, and Huntington Heads Up® are federally registered service marks of Huntington Bancshares Incorporated.... DCU Digital Banking and ATMs. 4. 2. 9 ... You may always access your accounts through Online or Mobile Banking, and through ATMs. ... DCU Digital Banking. Image. 10.Your hard-earned funds are right at your fingertips. Log onto your laptop. Or fire up your smartphone. Wherever life takes you today, your Abound accounts are only a few seconds away with Online & Mobile Banking. Check balances, transfer funds, review transactions - and do it all safely with our state-of-the-art security measures.FREE use of 23 DCU Branches in MA/NH - and more than 5,900 shared branches nationwide; FREE use of 35+ DCU ATMs in MA/NH - and more than 80,000 surcharge-free non-DCU ATMs nationwide. FREE use of … With a unique-to-you digital banking experience that focuses on your money’s future, you can plan for whatever life throws your way. DCU Digital Banking is here to give you financial peace of mind. ---FUTURELOOK™ FutureLook™ provides insight into your spending habits with an easy-to-read forecast based on your current choices. SIGN UP FOR ONLINE BANKING. Get out from behind the desktop. DNCU’s mobile app empowers members with a full suite of on-the-go financial services and resources. …Sign Into Online Banking. E-Alerts. Electronic alerts, or e-alerts, will help you manage your account by notifying you by email or text whenever your account balance reaches a certain dollar amount, or when a deposit or withdrawal is made, or another self-selected threshold. To set up e-alerts, log into your online account. Sign Into Online BankingApple Pay has been around for a few months now, and in that time, it has expanded quite a bit. AppAdvice just updated their list of banks and stores that accept Apple Pay, so if yo...Jul 17, 2023 · The word "Digital" is in the name of this CU - it had built a reputation of being one of the first successful primarily online bank.. Irony - the so called "New digital platform" is so buggy and horrible! Combine this with terrible customer service and you have todays DCU. 4 hours wait time on phone calls.
With a unique-to-you digital banking experience that focuses on your money’s future, you can plan for whatever life throws your way. DCU Digital Banking is here to give you financial peace of mind. ---FUTURELOOK™ FutureLook™ provides insight into your spending habits with an easy-to-read forecast based on your current choices.. Slot games free online
Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Deposit checks from home with DCU's Online Deposit! DCU is excited to offer another EASY way to do banking online. Online Deposit allows you to scan in your check deposits from home, the office, or even while traveling using your PC, Mac, or laptop and a scanner. Sign up today for Online Deposit! You can also make …Individuals can create their own bank statement by creating a spreadsheet on the computer, importing templates from online financial document centers or importing bank statement in...4.75%. 4.86%. Rates are effective March 23, 2024. ¹APY = Annual Percentage Yield. Rates are variable and are subject to change at any time at DCU’s discretion. The rate will remain in effect for the term of the certificate once issued. QuickStart Certificates are for members under age 23. Dividends compounded daily, credited …Secure online banking services from The Co-operative Bank. Free, fast and easy to use internet banking that allows you to manage your money 24 hours a day, 7days a week ... The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority ...Download DCU Banking for iOS to dCUs Mobile Banking App gives you quick, convenient access to most Online Banking features from nearly anywhere...DCUs Mobile Banking App gives you quick, convenient access to most Online Banking features with your Android phone or tablet from nearly anywhere! Manage Your DCU Accounts. * View balances ...Navigating the world of online banking can be daunting, but with DCU (Digital Federal Credit Union), it's simpler than you think! This detailed tutorial will...When it comes to finding a reliable truck, you don’t have to break the bank. With a little research and patience, you can find a used truck for under $3,000. Here are some tips for...Visiting the local branch of a bank is a regular activity for millions of people, but have you ever stopped to think about what a bank actually does? Banks provide a variety of ser...STEP 1. Login to your digital banking account > Click the “Membership” tab > Click “Open New Account”. STEP 2. Select the “Savings & Checking” tab > Click “add” under “Smart Savings” > Click “Continue”. STEP 3. Simply follow the rest of the directions and your account will be opened quickly and easily. Once approved for Online Deposit, you can begin to deposit checks from your PC or Mac in 5 easy steps: Make sure the back of the check is endorsed with: Your signature; The phrase, "DCU Online Deposit Only" Log into Digital Banking, go to the Membership tab,and select Check Deposit. Choose the account you would like the check(s) deposited to. Discover® Bank: Best for Avoiding Fees. Discover has a zero-fee policy, which means no monthly fees, no overdraft fees and no ATM fees. Axos Bank: Best for ATM Access. Axos Bank made the list ...Wells Fargo Bank, N.A. Member FDIC. QSR-0423-03296. LRC-0423. Manage your bank accounts using mobile banking or online banking. With the Wells Fargo Mobile® app or Wells Fargo Online® Banking, access your checking, savings and other accounts, pay bills online, monitor spending & more.Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account.We would like to show you a description here but the site won’t allow us.Sep 14, 2022 · Phishing is a scam where you receive fraudulent emails or text messages that appear to be from a familiar organization or company. These often contain links to malicious websites. Pharming is a scamming practice in which malicious code is installed on a personal computer (PC) or server, misdirecting users to fraudulent websites without their ... Phone Number: (800) 328-8797. Report Phone Problem. Address: DCU Burlington Branch 15 Greenleaf Way Burlington, MA 01803. Website: Visit Website. Online Banking: DCU Login.Estimated Loan Details. Anticipated monthly payments ($) Annual interest rate (0% to 12%) Total number of monthly payments (15 years = 180 months) (1 to 360) Calculate. This calculator is the property of CalcXML and is licensed for use on dcu.org. It is provided as a self-help tool for your independent use..