Conference 7.286::dcu

    If it is not convenient, then DCU has absolutely no advantage over any
    other bank or S&L.

    RE: .0
    
    >>> "...or open up a (heaven forbid) Baybank account to get the
    >>> convenience we want.
    
    What is the problem with Baybanks?  I have had both a DCU and Baybank
    account for 4 years with no problems.  I have direct deposit to
    Baybank, keep a $500 minimum and pay NO service charge.  There must be
    a Baybank ATM on every other street corner and you can buy Mobil gas at
    the cash discount.  I use the DCU account for "big ticket items" such
    as mortgage, paying off credit cards each month.  Actually, if I could
    get DEC to do direct deposit to TWO accounts, I would leave the DCU and
    go with Dreyfuss World Wide Money Market.
    
    Kerbey

    I have had a Baybanks account for 13 years, and they have never made 
    a mistake on my account. With my direct deposit I can get my balance
    down to 2 cents and only pay $3.50 per month service charge. I pay 1%
    less on my car loan by letting them debit my account. I stop by 
    any one of about 15 convenient money machines on the way to or from
    work, plus I get my cancelled checks back. In the 6 years I've had 
    direct deposit from DEC, my money only missed the posting date twice.
    Knowing what I know about the FED and direct deposit and how
    unforgiving and inflexible they are about deadlines, it was probably 
    due to a creation date and time on a tape to NEACH (which, by the way,
    are created by DCU) rather than a problem with the bank.  
    
    
    DCU is my travel savings account, and allows me to cash a check if I want
    during the day. It is strictly a convenience to have automatic
    deduction into a savings account. I would never do my primary banking
    where I work.
    
    
     

re .3:  "I would never do my primary banking where I work."

Why not?  Just curious.

I used to love Baybanks, but left them after a couple of bad experiences 
with their credit card bureau.  I keep a non-DCU account for my wife's
convenience (People's -- $100 minimum/no fee), but for my own banking
I'm perfectly happy with DCU -- having a machine near my office and a
branch in my building complex makes the DCU more convenient than any
other bank -- and that's near the top of my list of requirements.

	Enjoy,
	Larry

    This is an official response by Mary Madden of the DCU. The portion of
    that response, dated 07-May-1990, that applies to this note topic is
    included below. See note 2.22 for more information. 
    
    Your comments on this response should be posted here or directed to
    to DCU directly at Mary Madden's number (dtn) 223-6735 x207.
    (Note: New extension for Mary Madden)
        
    Carl Leeber
******************************************************************************

         As a service organization, it is our commitment to
         provide members with credit union accessibility.  In
         addition to branch locations, members may also access
         their DCU accounts through Easy Touch Audio Response,
         DCU's Member Service Center and Easy Cash24 ATM
         machines.

         Before DCU installs an Easy Cash24 ATM, certain
         guidelines must be met to determine its feasibility.
         These guidelines include:

         o Facility population
         o Allocation of space
         o Cost considerations
         o Security access
         o 24-hour entry
         o Building ownership
         o Other DCU ATM's/branches in the vicinity

         If you have further questions, please call Mary Madden,
         communications manager, at DTN/223-6735, x207 or
         508/493-6735, x207.

******************************************************************************

	Can someone please post the actual rules that DCU uses to decide
who does and does not deserve a DCU office or ATM access? 

-->	 o Facility population
-->      o Allocation of space
-->	 o Cost considerations
-->	 o Security access
-->	 o 24-hour entry
-->	 o Building ownership
-->	 o Other DCU ATM's/branches in the vicinity

thanks

Todd (Still waiting for a DCU office in Chicago)

    This is an official response by Mary Madden of the DCU. The portion of
    that response, dated 22-JAN-1991, that applies to this note topic is
    included below. See note 2.22 for more information.

    Your comments on this response should be posted here or directed to
    to DCU directly at Mary Madden's number (dtn) 223-6735 x207.

    Carl Leeber
******************************************************************************
         Response to 211.6

         Before DCU opens a branch office or installs an Easy
         Cash24 ATM machine, certain guidelines must be met to
         determine its feasibility.  While the follwoing are
         guidelines, there may be other factors specific to a
         certain area or facility that we will consider:

         Branch office
         - Digital Equitpment Corporation-owned building
         - DCU Board/Budget approval
         - facility population--must be at least 1,000
         - allocation of at least 1,000 sq. ft. of space in a
         lobby or employee entrance
         - facility must be willing to pay all set-up costs

         In 1987, DCU was contacted by Chicago-area Digital
         employees interested in a DCU branch office.  We
         provided  branch specifications and other pertinent
         information.  Since we have not received a response to
         our information, we presumed that there was a decrease
         of interest in a branch office.

         With the many economic challenges facing DCU as well as
         Digital, DCU is limiting the expansion of our branch
         offices.

         ATM machine
         - Digital Equipment Corporation-owned building
         - DCU Board/Budget approval
         - facility population -- must be at least 1,000
         - allocation of space in a lobby or employee entrance
         with 24-hour access
         - facility must be willing to pay for set up costs
         - in order to justify additional personnel to service an
         ATM, DCU requires at least one other ATM or branch
         location in the area
         If you have addtional questions, please contact Mary
         Madden at DTN/223-6735, ext. 207 or 508/493-6735, ext.
         207.
******************************************************************************

Recently, we saw an announcement that a new ATM had been installed
in another building at a site which already had an ATM in one of
its buildings...

Here I sit in Atlanta, with a credit union office (thank heaven -
I know that makes me more fortunate than many other Digital sites)
and zero ATMs... 

Why are sites with ATMs getting more ATMs, and ATM-less sites remain
ATM-less?

(My site, ALF, has >1000 employees, full time security, etc etc)

P.S. I wrote a letter to the president of the DCU and complained
about this, and his answer (delivered via telephone call from the
manager of the local DCU branch) was that he agrees that ALF should
have an ATM (he did NOT answer my question about WHY the site with
an ATM had gotten another one) and he promised that ALF would get
one in the next year. Of course, we've been told that we're "in line"
to get an ATM for over two years now...

-Jay

    
    Re: .8
    
   > P.S. I wrote a letter to the president of the DCU and complained
   > about this, and his answer (delivered via telephone call from the
   > manager of the local DCU branch) was that he agrees that ALF should
    
    Ooops.  Charlie still doesn't get it does he.  If I were to ask
    HIM a question I wouldn't be satisfied with receiving the answer
    from one of his subordinates.  An answer to the question is only
    part of what it takes to satisfy the customer.
    
    Steve