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

Our Contact Center is currently experiencing a high volume of calls and wait times may be longer than usual. We apologize in advance for this inconvenience. As a reminder, you can login to Online Banking or your Mobile App to check account balances, confirm deposits, set up transfers, or pay your Direct Federal loan.

Contact Form: Request a call back from our Contact Center. 

Our Branch is currently available by appointment only. Please click here to schedule an appointment.

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


New to Online Banking?

If you are new to Direct Federal or have not logged in to online banking before, you will use your Direct Federal account number as the username and a 4-digit PIN as the password.

If you applied for your account online or with a Member Service Associates, you may have selected a 4-digit PIN during the process.

If you did not select a PIN, you can self-enroll by clicking the "First Time User?" link below the Username box at the top of every page.  You will need to know some basic information.

If you have any problem logging in, please call us at 888-2-DIRECT (888-234-7328)  to speak with one of our Member Service Associates. We are available Monday through Friday 8:00am - 5:00 pm and on Saturday from 8:00 am - 1:00 pm.


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

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

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  access and lock the account after four incorrect attempts. Only a Direct Federal Service Associate can unlock the account.


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.