Enhanced Shared Branching Security Starts - May 1, 2025

To better protect you from account takeover fraud, the Shared Branching Network is rolling out a new ID authentication process for in-person visits at participating credit union branches.

This new security measure ensures it’s really you accessing your account—not an imposter.

How It Works for Out-of-State IDs:

If you visit one of our Shared Branch locations and present an out-of-state ID, you’ll be asked to complete a quick multi-factor authentication process using a QR code and one-time passcode.

Here's what to expect:

Scan the QR code in branch or visit verify.coop.org
Select Your Credit Union from the list
Enter your member number and last four digits of your Social Security number
Upload a photo of your ID
Take a selfie
Show the one-time passcode to the teller (valid for 20 minutes)

Pro Tip: You can save your validation for a faster experience next time!

Dakota West Credit Union is dedicated to protecting your identity and your finances with the most secure tools available.

Have questions? We’re here to help:
📞 1-800-411-7590
📧 dwcu@dakotawestcu.org

A Fresh, Faster, Smarter Way to Bank Is Here

Say Hello to Dakota West’s Next-Gen Digital Banking Experience!

We’re excited to announce the upcoming launch of our Next-Gen Digital Banking experience at Dakota West Credit Union! Built with you in mind, this upgrade delivers a cleaner interface, smarter tools, and smoother navigation—whether you're logging in from your phone or your desktop.

What’s New?
✓ A modern, intuitive design
✓ Streamlined access to your accounts
✓ Faster performance and easier money management
✓ Personalized dashboard options

We’re rolling out this enhanced experience thoughtfully to ensure a seamless transition. Some users may see the new look sooner than others as we test and fine-tune things—but don’t worry, it’s coming your way soon!

Not currently using digital banking?
Now’s the perfect time to jump in! Manage your money anytime, anywhere with our secure mobile app and online banking tools. From turning your cards on and off to paying bills with a tap, it’s never been easier to stay in control.

Stay tuned for emails, social posts, and in-branch updates with more details and sneak peeks. And when you're ready, our team is here to help you make the most of these new features.

✨ Your future of digital banking is just a login away.

Important Update: Changes to Funds Availability Effective July 1, 2025

At Dakota West Credit Union, we are committed to keeping our members informed about important changes that may impact their banking experience. In response to updated federal regulations, several thresholds regarding the minimum amounts available to members after check deposits will change effective July 1, 2025.

Below is a summary of the updated amounts:

Threshold	Current Amount	Updated Amount
Minimum Amount	$225	$275
Cash Withdrawal Amount	$225/$450	$275/$550
New Account Amount	$5,525	$6,725
Large Deposit Threshold	$5,525	$6,725
Repeat Overdraft Threshold	$5,525	$6,725

What This Means for You

These changes are designed to align with federal updates and ensure greater access to funds for our members. Whether you are depositing a check, withdrawing cash, or managing a new account, you will now have access to higher minimum amounts.

For a full overview of Dakota West Credit Union’s Funds Availability Policy, please visit our website. If you have any questions, our team is happy to assist you at your nearest branch or by phone.

We appreciate your membership and are here to help you navigate these updates with ease!

Spring Clean Your Finances this Tax Season!

Spring is the season of renewal—a perfect time for a fresh start, not just for your home but for your finances too. With tax season already here, giving your finances a little "spring cleaning" can help you feel organized and in control.

Here are 5 effective ways to refresh your finances this season:

Tidy Up Your Budget:
Go through your monthly spending. Are there unused subscriptions or unnecessary expenses? Cancel what’s no longer valuable and refocus on goals that matter.
Build A Rainy-Day Fund:
A strong financial cushion brings peace of mind. Set aside funds to cover a few months’ expenses to prepare for life's surprises.
Organize for Tax Savings:
Start early! Collect deductions, organize your financial documents, and consider setting aside a dedicated tax account. Being proactive can save you stress (and money) down the road.
Simplify and Automate:
Automate your bill payments and consider creating separate accounts for things like operating expenses, taxes, and personal needs. This can bring clarity to your finances and save time.
Invest In Your Future:
Spring isn’t just about cleaning out—it’s about growth! Funnel your tax refund or extra funds into savings or investments that align with long-term goals. Every small step counts.

Spring cleaning isn’t only about cleaning out the garage; it’s also about creating space for growth—and this applies to your financial health. This tax season, let’s commit to building a cleaner house and a clearer financial path ahead.

Here's to a season of renewal, prosperity, and plenty of peace of mind!