Checking Accounts

Discover our flexible Checking Account options designed to provide easy access to your funds and convenient financial management.
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Checking Accounts

Our Checking Accounts offer versatile ways to manage your money, whether you need quick access to funds or want to simplify your everyday financial transactions.
  • Add your debit card to a digital wallet.
  • No minimum deposit required to open a Hub account.
  • Access cash worldwide.



Checking Accounts

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Checking Account

HUB Checking

  • Unlimited reimbursement of all ATM fees and surcharges
  • Free access to ATMs worldwide
  • No minimum balance requirements
  • No monthly service fees
To see the full table, scroll horizontally.
Minimum to Open
Monthly Service Fee
ATM Surcharge Rebate
Person to Person Payment Fee
Official Check Fee
Stop Payment Fee
Free Annual Credit Report
Discounts on Direct <br>Federal Loan Products


Federally Insured by the NCUA

The National Credit Union Share Insurance Fund was created by Congress in 1970 to insure members' deposits in federally insured credit unions. Each credit union member has at least $250,000 in total coverage. Administered by the NCUA, the Share Insurance Fund insures individual accounts up to $250,000.

Additionally, a member’s interest in all joint accounts combined is insured up to $250,000. The Share Insurance Fund also separately protects members’ IRA and KEOGH retirement accounts up to $250,000 and provides additional coverage for members’ trust accounts.

The Share Insurance Fund has the backing of the full faith and credit of the United States. Credit Union members have never lost even a penny of insured savings at a federally insured credit union.

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Direct Federal is a not-for-profit, meaning that earnings are invested right back into the credit union. And that means Direct Federal can offer lower loan rates and higher deposit rates that you simply won't see anywhere else.

Requirements for HUB Checking

Agree to receive your monthly statement through email (e-Statements)


  • One direct deposit into your account a month
  • Five or more debit card transactions per calendar month.
    (Excludes ATM + Zelle transactions)

Well-Capitalized Financial Institution

Credit unions are among the most well-capitalized financial institutions, maintaining equity reserves and investments that prioritize needed safety and soundness for their members.

Direct Federal is no exception to this. Our conservative balance sheet management and strong capital position makes us significantly different from financial institutions in the news.

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Frequently Asked Questions

Use the search bar below to sort through our library of FAQs to learn more about a specific product, service, or process.
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Is the fraud alert service safe and secure?

Yes. Our priority is to protect your personal information. When you return a fraud alert message, we will ask for the unique case # to your specific fraud alert.

Do I need to sign up to receive fraud alerts?

You will automatically be enrolled to receive all fraud alerts via the contact methods on your account, ie., email address, cell phone, home phone, work phone, etc.

What happens if I did not reply to a fraud alert whether via Email, Text or Phone?

Your card may be blocked for use and future transactions would be declined until the fraud alert is cleared.

I accidentally responded to an alert that a fraudulent transaction was valid. What do I do now?

Please report the unauthorized transaction immediately by calling the phone number provided in the alerts or the number on the back of your card. The agent will then take care of marking the transaction as fraud and close the card.

I accidentally marked a valid transaction as fraudulent. What do I do now?

When you mark a transaction as fraudulent, the response message you receive will include our fraud detection department’s toll-free number and it asks that you call to review the card activity, or you will receive a call from a fraud detection agent to review. The agent will be able to review the activity with you and clear the card for use.

A legitimate transaction triggered a fraud alert. How long should I wait after responding to an alert to reattempt the transaction?

Upon confirming that a transaction is valid, you may retry the transaction immediately.

I have a joint account with another cardholder. Why did I not receive a fraud alert? Why am I receiving fraud alerts when someone else on my account is making a transaction?

Fraud Alerts are transmitted to the phone number(s) and/or email address associated with the card used at the time of the transaction. If a joint cardholder is receiving alerts, it is because that cardholder’s phone number and/or email address is associated with the card transacting. If the fraud alerts should have gone to another cardholder on your account, we ask that you update the contact information for that cardholder.

I accidentally opted out of receiving fraud alerts. How do I opt back in?

If you accidentally opted of out text alerts from a mobile phone, when the digital system calls to verify activity, the system will provide the opportunity to opt back into text alerts for the mobile phone.  For all fraud alert types, please call the number on the back of your card to re-enable fraud alerts to an email address, a mobile phone or landline phone number. You can also visit a branch for assistance.

How do I stop receiving fraud alerts? What should I do if I don’t want to get a fraud alert at a certain phone number?

1. You can opt out of text alerts by replying “STOP” to the text message

2. You can opt out of phone calls when the alert system calls you.

3. Click on the Unsubscribe link in the email to stop the emails.

4. Contact our Call Center to ask to stop receiving fraud alerts.

5. Visit a branch to ask to stop receiving fraud alerts.

How do I update my contact information (phone numbers, email addresses, etc.)?

You can update your contact information by updating your account profile in Digital Banking, by calling Member Services, or by visiting our branch.

Update in Digital Banking >

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Membership Means More

Empowerment and Inclusion. At Direct Federal Credit Union, we're here to support your journey to financial wellness. Membership Means More focuses on developing long-term relationships to help all members of our community gain financial education and establish savings goals.
Learn More about Membership Means More

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