About Direct

Electronic, telephonic, in person or by mail - You decide how to do business with us.

Whenever possible, we let our members decide how they’d like to do business with us. Our flexibility is just one of many reasons members find working with us so easy.

Our staff is always professional, courteous and knowledgeable about our services. This makes Direct Federal so special. Here are the many ways you can do business with us.

Direct Federal associates can assist you with your banking needs six days a week at our branch office located at 50 Cabot Street in Needham, just off of Route 95 (Route 128) at Exit 19A. Branch hours are Monday, Tuesday, Wednesday and Friday, 8:00 a.m.-4:00 p.m.; Thursday, 8:00 a.m.-6:00 p.m.; and Saturday, 8:00 a.m.-1:00 p.m.

ATM Network
Direct Federal is part of both the NYCE® and CIRRUS networks, which offer over 900,000 ATM locations worldwide. You can use your Direct Federal debit card for purchases anywhere that MasterCard is accepted.

What’s more, you’ll NEVER pay an ATM surcharge fee when you access your account at one of the over 2,000 SUM locations or any one of the 800 plus ATMs in Publix Markets in Florida and Georgia. You can also make deposits to your account at one of over 200 NYCE® Shared Deposit ATM locations in Massachusetts.

Direct Deposit
Direct Deposit is the fastest and most secure way to deposit your pay, pension, Social Security or veteran’s check into your account. Arranging for Direct Deposit into your Direct Federal savings or checking account involves just a few simple steps:

Paycheck and Pension

  1. Find out if your employer participates in direct deposit with an Automated Clearing House (ACH).
  2. Provide your account number and Direct Federal’s routing and transit number, 211381783, to your employer. We have developed a Direct Deposit Request Form that you may complete and give to your employer.

Government Checks

  1. Contact the Social Security Administration at 1.800.772.1213.
  2. Provide the representative with your account number and Direct Federal’s routing and transit number, 211381783.

Web Banking and Bill Pay
You can manage your accounts online with Direct Federal’s Web Banking service. View balances, transfer funds, make loan payments, view your statements, view cleared checks and download account information into Quicken or Microsoft Money. We also offer an online Bill Payment service that gives you greater control and flexibility when paying bills. 

Please see our Direct.com Web Banking Agreement, Web Banking FAQs, and Enhanced Online Security FAQs for important information before using Web Banking.

Call Center
Whether you want to open an account, apply for a loan, or ask a question about an existing account, simply call our call center at 781.455.6500. A knowledgeable and friendly associate will personally answer every call Monday through Friday, 8:00 a.m.-5:00 p.m., and Saturdays, 8:00 a.m.-1:00 p.m. You can fax information to a Service Associate at 781.455.9922.

Our convenient Bank-By-Mail Form makes it easy to deposit money to your Certificate of Deposit, Money Market Account, Savings, Member Checking, or Club account. Every time you send in a deposit, we’ll post your check to your account the day we receive it and send you a confirmation, a Bank-By-Mail Deposit Form and a postage-paid envelope for your next transaction.

Wire Transfer
Through Web Banking, you initiate a wire transfer from your Direct Federal Checking Account to another institution.  For wire transfers from any other type of account, you must complete a wire transfer form and have it notarized.  Simply call a Service Associate at 781.455.6500 and they can send you a wire transfer form or, if you prefer, you can go to the Branch and complete the form and have it notarized all in one visit.

Call 24
Your account information is only a phone call away with our free telephone banking service. With Call 24, you can check your account balances, transfer funds between accounts, make loan payments, request a withdrawal by check, check the status of deposits, withdrawals and checks. Call 24 is available 24 hours a day. Simply call 781.455.9924 or 800.800.2424, enter your account number and personal identification number (PIN) and you’re ready to go.



Ask A Question

Please fill out this simple form below and ask a question.

Our Call Center Associates are available to answer your questions Monday-Friday 8:00 a.m. - 5:00 p.m. and Saturday 8:00 a.m. - 1:00 p.m. at 781.455.6500.