Facebook Online banking Boston, MA | online bill pay | view account balances

Online Banking


Who says banking has to happen during business hours? Direct.com’s Online Banking gives you the flexibility to pay a bill here, check your account balance there – wherever and whenever you have access to a web-enabled device, you have safe and secure access to your accounts. Enjoy convenient, streamlined features that allow you to:

  • Manage your accounts online
  • View account balances
  • Transfer funds between accounts, to a linked account at another institution, or to friends and family using Popmoney
  • Make loan payments
  • View statements
  • View cleared checks
  • Download account information into Quicken or Microsoft Money
  • Enroll in Bill Payment service for flexibility in paying bills


Starting is as easy as 1-2-3!

  1. Call our Member Services Department to get a Personal identification Number (PIN)
  2. Go to the Online Branch login on the Direct.com home page
  3. Enter your Account Number in the User Name and the PIN in the Passcode boxes

Just follow the directions from there and start enjoying immediate access any time of the day or night.


What types of accounts can I view with Online Banking?

You can view all of your accounts, including:

You can view balances and histories of all your Direct Federal accounts including :

  • Checking
  • Savings
  • Mortgage
  • Home Equity Line
  • Auto Loan
  • Visa

Is Direct.com Online Banking secure?

Yes. Direct Federal uses a multi-tiered security policy that governs all aspects of Online Banking and Bill Payment.

Yes. Direct Federal uses a multi-tiered security policy that governs all aspects of Online Banking and Bill Payment.

  • The first tier is Data Source Security. All of your data is stored on a database at Direct Federal and at no time does anyone from the outside world have access to this database. Any and all requests for data must pass through two distinct validation and control centers.
  • The second tier is Data Transmission Security. Secure Socket Layering (SSL) protects all transmissions between you and Direct Federal via the Internet. SSL utilizes authentication and encryption technology. Encryption takes meaningful text and numbers and scrambles them into numerical nonsense before transmitting them across the Internet. This process uses complex mathematical formulas to create a key that is used to translate the numerical nonsense back into meaningful data. There are billions of potential keys and a different one is used for each on-line session with Online Banking. The key used is established when the online connection is made between your computer and Online Banking. Your next online session will use a completely different key.
  • The third tier is Account Protection Security. In order to access Online Banking, you must enter your Username. This is selected by you and cannot be your Direct Federal Account Number. The Passcode is selected by you and is known only to you. Direct Federal does not have access to your Passcode. In the event that someone accesses your Private computer, knows your Username and tries to guess your Passcode, the system will deny account  ccess and lock the account after four incorrect attempts. Only a Direct Federal Service Associate can unlock the account.

Are there any costs associated with Online Banking?

Online Banking provides free account access.

Online Banking provides free account access.

What are my capabilities with Online Banking?

As long as you have a web-enabled device, Online Banking allows you to:

As long as you have a web-enabled device, Online Banking allows you to:

  • View your account balances and histories
  • Transfer funds
  • Request a withdrawal by official check
  • View account information and payment dates
  • Reconcile transactions that have cleared your account
  • Download your transaction information to financial management software such as MS Money or Quicken
  • Submit on-line consumer loan account applications
  • Submit address changes and check orders
  • Access monthly statements and check images
  • Pay your Direct Federal Visa bill from any financial institution
  • Pay your bills via our optional Bill Pay service


Direct Federal Credit Union Contributes $10,000 to the Three Squares New England 4th Annual Ride for Food

06/10/2015 - Direct Federal Credit Union is proud to announce for the second year in a row they are sponsoring the Three Squares New England 4th Annual Ride for Food. This year, Direct Federal will donate $10,000 to the Ride for Food as the event’s lead sponsor. The goal of the ride is to provide nourishing food that local families need now to lead healthier, less stressful lives. The ride benefits local food pantries and hunger initiatives in Cambridge, Dedham, Jamaica Plain, Natick, Needham, Wellesley and Westwood. Recognizing that hunger is widespread throughout the surrounding community, Three Squares New England organized its first Ride for Food in 2012.

Direct Federal Credit Union Donates 400 Books to the Massachusetts Coalition for the Homeless

05/04/2015 - Direct Federal Credit Union is proud to announce they collected 400 books to be donated to the Massachusetts Coalition for the Homeless and the Community Hope Initiative. Direct Federal employees and members donated books through the month of April, with a match from the credit union to bring the total to 400.

Joe Walsh" class="managementBoxImage" />

Joe Walsh
President & Chief Executive Officer

Joe started at Direct Federal in 1991 as Vice President of Operations, spent most of his time as Senior Vice President of Lending, and is now the President and Chief Executive Officer.  Joe’s primary responsibility is to ensure that everyone on the Direct Federal team is focused on fulfilling our mission of providing our members with compelling rates, remarkable service, and immediate access to all of our banking solutions.  Prior to joining Direct Joe worked for The Federal Reserve Bank of Boston, Deloitte & Touche, and BankBoston.  He has a bachelor’s degree from Holy Cross and an MBA from Babson.  Although a life-long resident of the Boston area, Joe proudly declares that his favorite local sports teams have always been whatever ones his three kids have played on.  When not at Direct he will usually be found doing almost anything outdoors (biking, skiing, hiking, snowshoeing), reading, cooking, watching movies, or just hanging out with family and friends.

“My favorite part of working at Direct is reading our members’ responses to our surveys.  We work very hard to do a great job for our members, so having those efforts validated almost without exception is absolutely the most rewarding part of my job.”


Affidavit of Lost or Stolen Official Check

If you withdrew funds in the form of an Official Check, use this form if the check was lost or payee never received the check.

Affidavit of Forgery

Use this if you have a check that cleared your account and it wasn't your signature.

We strive to provide our members great rates, easy access and remarkable service. If you have any feedback on how we could improve in these areas, please let us know.


*required fields