FAQ: Shine Online BankingShine Online Banking provides members a brighter online banking experience. With Shine, traditional online banking functionality meets personal financial management tools like budget management, spending analysis, and the ability to assess total net worth.
Shine Online Banking’s unique features give members the ability to do these things and more:
How do I sign up?
- View account information for one or multiple accounts within the same page view;
- Easily find transactions with the powerful search tool;
- Use auto-categorization of transactions to swiftly assign transactions to the spending categories you choose;
- Create a budget for each category;
- Through Shine, access Dupaco VISA account information on MyCardInfo without the need to log in again;
- View easy-to-read spending reports;
- Use dashboard and widget technology for a high level view of account activity;
- Receive standard or custom account alerts via e-mail or text message;
- Archive documents for remote access, like statements, loan paperwork, or a scan of your passport.
To begin using Shine Online Banking, you must first complete a short, one-time registration process. To do so, simply go to https://shine.dupaco.com, or click on Online Banking in the top right corner of Dupaco’s website. Then, complete the one-time registration process by following the steps below or the on-screen prompts:
Once you’ve registered and logged in to Shine Online Banking, you can update your User Name and Password at any time by clicking the Profile link at the top of the screen. The Profile link also allows you to manage other account settings and options.
- Click the Register link, as pictured above.
NOTE: Birthdate format must be mm/dd/yyyy.
- Fill in the requested information. Type the word YES to accept, then click Start.
- For additional security, enter your Member Number and Last Name, then complete the required information and select and enter a Username, Password, and E-mail address. Click Next.
NOTE: We suggest you do not use your Member Number as a Username.
- Verify your previously entered information, including your Username, then select three Security Questions and Answers. Click Next.
- Select a Security Phrase and Picture. These will display each time you log in to confirm that you are on Dupaco’s legitimate website. Click Next.
How much does it cost to use Shine Online Banking?
Is it secure for me to use Shine Online Banking?
Dupaco uses the most advanced Internet security systems available for Shine Online Banking. When you enter online banking you are entering a secure area on the Internet, which means all information is encrypted or encoded. The multi-level login procedure is another safeguard against unauthorized users accessing your data—only you will know your user name, password, and security question. In addition, the system records the date and time of the last login attempt.
How can I make my finances shine?
Most individuals or households use a checking account as their primary account from which purchases or withdrawals are made. When paired with a Dupaco checking account and free debit card, Shine Online Banking becomes a powerful tool with which to manage your finances. Whenever you use your Dupaco debit card, transactions clearing your checking account are automatically assigned a category by Shine Online Banking using merchant data that accompanies the transaction. By using the spending report feature of Shine Online Banking, you can track your spending habits, even create a budget for each category, and help ensure you are staying within your budget. When you write checks, the system does not automatically assign a category to the cleared check, but you can manually assign a category to cleared checks to maintain accuracy of your spending reports.
What if I have accounts at other financial institutions?
All Dupaco deposit and loan accounts information is automatically loaded into the Shine Online Banking system. If you have accounts at other financial institutions, there is an option to set up a direct connection or do a manual upload of account information to Shine Online Banking for a more complete overview of all your assets and liabilities. However, the most hassle free and accurate way to utilize the system is by making a free Dupaco checking account your primary transaction account.
What can I do with Shine Online Banking?
Once you're registered and have begun using Dupaco’s Shine Online Banking solution... well, you'll see the light! Shine is much more powerful than a typical online banking system. Through the easy-to-use, tabbed interface, you account information is organized onto “pages” which allows you to quickly review or access your financial data, budgets, spending reports, and more. With Shine Online Banking you can:
View Account Information
The Account Summary page under the Accounts tab lists all of your accounts and associated balances and displays useful summary information for each including name and type of account, account number, and balance.
If you have several accounts, you have the ability to mark some accounts as Favorites. You can view a shorter account list by clicking the Show Favorites Link.
If you have accounts at other financial institutions, there is an option to set up a direct connection or do a manual upload of this account information to Shine Online Banking to help you get a more complete overview of all your assets and liabilities. To get started, click Options on the Account Summary page.
The Search box can be used to locate specific transactions across all of your accounts. The search can decipher many plain language terms. For example, searching the phrase “Around 50 June” will retrieve all transactions around $50 that occurred on your account in the month of June.
The Transactions page under the Accounts tab lists all of the transactions that have occurred within each of your accounts. These transactions are listed in chronological order with the most recent listed first. There are two versions of the Transactions page:
The Transactions page displays summary information for each transaction including date of transaction, category, amount, and balance. Individual transactions can be edited to assign or modify categories, add notes, or flag for future review. Cleared check images can also be viewed. Use the Search box to find specific transactions within an account.
- Single account: When you click on an account on the Account page, a list of transactions for that particular account will display.
- All accounts: When you click on the transactions link while within the Accounts tab in the main menu, you will see a list of transactions across all of your accounts in chronological order. This is a convenient way to see an overview of all your transactions in your loan and deposit accounts.
While in the Transactions page, you can also subscribe to an RSS feed of transaction data so that you may view this information via an RSS Reader.
Assign Transaction Categories
Categories allow you to assign a description to various expense and income groups so that you can see how much you are spending on eating out, buying groceries, maintaining an automobile, etc. A Budget can be created for each Category to further track your spending habits and compare them to your Budget goals. A default list of Categories is provided in Online Banking and many Transactions will be automatically placed into Categories. If a Transaction is not assigned a Category, you can click Edit next to the Transaction and manually choose the proper Category from the dropdown list. Credit card and debit card Transactions are most likely to be auto-categorized because these actions have the best descriptions.
For example: Auto-categorization works by comparing the Transaction description/memo to the list of rules defined for each Category. If a Transaction has the word "starbucks" in the description, this will match the rule "starbucks" in the “Dining Out” Category. You can enhance the list of rules for each Category simply by editing that Category and changing the list of rules.
Automate Bill Pay
Pay merchants or other payees directly from your account without having to write and mail a check. Utilizing online bill pay allows you the flexibility to schedule or make immediate one-time payments, or set up recurring payments. This service is available for free* to members who meet and maintain our relationship standard of $1,500 in total loan OR total deposit balances, AND subscribe to FREE Dupaco e-statements instead of paper statements.
*Free to a maximum of 25 bills per calendar month. Payments over 25 are subject to the Dupaco Community Credit Union's standard cost per payment. Contact Dupaco for details.
Manage Your Budget
Set up a budget within minutes, with multiple debit and income categories, and help keep spending—and saving—on track. Transactions on your account will automatically be applied to the appropriate category as they clear, letting you know where your finances stand at any time during the month. Using the tool Suggest a Budget you can choose to set a budget based on the average of last full 3 months of Transaction data,
Generate Financial Reports and Charts
The Reports page gives you an overall view of where your money is going. Standard Reports are provided within Online Banking that show your spending by month for each Category. In addition, if you have setup a Budget, the report will also show your Budget status for that month. Standard Reports show spending patterns and Budget for the past 3 months, however, you can also view reports by week, day, or year. You can also graphically view your spending using Charts. To view your spending breakdown for a particular month, just click on the pie chart icon at the top of the monthly columns. To view your spending over time for a particular category, just click on the bar chart icon next to each Category row.
Track Assets and Liabilities
Tracking your assets and liabilities is an important component of understanding your complete financial picture.
Adding assets and liabilities into Online Banking is easy—just click on the Add icon on the Assets page and enter a name, a value and any associated notes. Assets are tracked as positive numbers (they increase your net worth) and liabilities are tracked as negative values (they decrease your net worth).
Alerts are used to notify you of new transactions, new documents, and balance changes in your accounts. Alerts can be delivered by e-mail or text message. Several Standard Alerts are built into Online Banking and can be turned on or off. You also have the ability create Custom Alerts for notification of account activity.
For example: You may select the option to receive e-mail alerts for all transactions, however for transactions over $200 you could also specify that you would like to receive a text message to your cell phone as well.
The Documents page allows you to store and archive electronic documents remotely and securely simply by uploading them into Online Banking. Examples of such documents are credit card and account statements or scanned documents like your passport or loan paperwork. You can add specific Notes to each Document to create an online, personal record with details about your accounts or transactions. Notes can be searched to find specific information you may be looking for. Not only does the Documents feature keep your information safe and secure, but allows you to be able to access this information if you are away from home.
View a Dashboard
The Dashboard tab gives you an at-a-glance overview of your account and activity through a compilation of widgets that you choose. Arrange the widgets on-screen by dragging and dropping them for the view that best suits your needs. You can even export certain widgets to personal web portals, such as iGoogle or NetVibes, to have easy access to your Dupaco account information when not logged in to online banking.
For more information, or for assistance, contact Dupaco at (563) 557-7600 / 800-373-7600, ext. 0 during business hours.