Facebook Free checking accounts Boston, MA | online banking | Mobile banking

Checking

The Hub
 

HELPFUL TIP: CHECKING

You work hard for your money. Your money should work hard for you. That means keeping as much of it as possible in interest earning accounts and keeping only enough in your checking to cover your day-to-day bills and expenses. Put the rest of your money in a savings account or CD, so it can grow for you at a higher rate.

OVERVIEW

Hub checking account

For most of us, your checking account is at the center of your financial universe. So you want one that’s just right. Whether you’re opening a brand-new checking account with Direct Federal, or making the wise switch from another bank, you can enjoy a variety of conveniences like Online and Mobile Banking, Mobile Wallet, Courtesy Pay, remote deposit capture (check depositing through our mobile app) and much more. And it all starts here with the Hub Checking Account.

Hub Checking (or ‘The Hub’): Do you use direct deposit for your job, pension or social security? Do you prefer e-statements? If both are a ‘yes,’ then Hub Checking offers a slew of benefits, like no monthly service charge, Up to $20/month ATM surcharge reimbursement and more.

Ready to switch your checking account to Direct Federal? Download our Switch Kit now and get started.

Click here to open a free HUB Checking account.

 

LEARN MORE

Learn More

Hub Checking (or ‘The Hub’):

Do you use direct deposit for your job, pension or social security? Do you prefer e-statements? If both are a ‘yes,’ then Hub Checking offers a slew of benefits, like no monthly service charge, cash-back rewards and more. Plus, take advantage of:

  • • Unlimited no charge ATM, POS and Debit Card transactions
  • • Up to $20 per month in ATM surcharge reimbursement
  • • $0 stop payment fees
  • • Unlimited Free Standard Checks
  • • Free annual credit report
  • • Free Travelers Cheques
  • • Free official checks
  •  Robust Mobile Wallet solution including Apple PayGoogle Pay, Samsung Pay and more

Click here to open a free HUB Checking account.

 

Overdraft protection

Direct Federal offers our members protection for unexpected checking account overdrafts. Specifically, if you have written a check or processed an ACH payment that overdraws your checking, we will look to advance funds from your Direct Federal line of credit and/or your savings account in order to pay the transaction presented. If neither of these options are sufficient, you have yet another option to cover unexpected overdrafts, Courtesy Pay. All checking accounts at Direct Federal come standard with the Courtesy Pay protection. It is available to you after your account has been open for 30 days and your account is in good standing.

You may also choose to have Courtesy Pay Plus to extend your overdraft coverage to ATM and everyday debit card transactions. Without Courtesy Pay Plus, when there are insufficient funds in your checking account, these transactions are not authorized and no fee is assessed. If you select Courtesy Pay Plus on your application, your overdraft protection will include ATM and everyday debit card transactions and a fee will be assessed. Please click here to review our Courtesy Pay and Courtesy Pay Plus Programs.

 

ATM NETWORK

Direct Federal is part of both the NYCE® and CIRRUS networks, which offer more than 900,000 ATM locations worldwide. You can make deposits to your account at one of over 200 NYCE® Shared Deposit ATM locations in Massachusetts. (NOTE: You can use your Direct Federal debit card for purchases anywhere that MasterCard is accepted.)

And remember, you never pay ATM surcharge fees when you access your account at one of the 2,000+ SUM locations; or any one of the 800+ ATMs in Publix Markets in Florida and Georgia.

FAQs
FAQs

What is our routing number?

Our Routing & Transit Number is: 2113-8178-3

Our Routing & Transit Number is: 2113-8178-3
 

What does it mean to have a returned check?

A returned check is a check that was either deposited or cashed on your account and was denied payment by the third-party institution from which it was drawn from.

A returned check is a check that was either deposited or cashed on your account and was denied payment by the third-party institution from which it was drawn from. There are several reasons why an institution may not pay a check, including: insufficient funds, uncollectible funds, stop payment or closed account. Depending on the reason for the returned check, the check may or may not be able to be redeposited.

Why is my balance more than my available balance?

There are several reasons why this may occur:

There are several reasons why this may occur:

  1. A check was deposited into your account and placed on hold.
  2. You used your Direct Debit Card and the merchant placed a hold on the funds.
  3. You gave someone a personal check and that individual brought the check into a branch to receive funds, and the check has been held until it is processed through our check clearing company.

What should I do when an unauthorized check clears my account?

Speak to a Direct Federal Member Service Representative.

Speak to a Direct Federal Member Service Representative. This can be done by visiting the branch or calling us at 781-455-6500. Once it is established that the item is unauthorized, an affidavit of forgery needs to be completed and either mailed to Direct Federal or taken into the branch for processing. Once the process is complete, the funds will be returned to your account.

How do I get free checks?

You can get free checks with a Hub checking account.

You can get free checks with a Hub checking account. Your initial check order is sent at the time the checking is opened. You can also reorder checks through web banking, our member service center, or in the branch.

I authorized a check over the phone, why do I not see the check copy?

In many cases, when you authorize a check by phone the merchant does not generate a physical check.

In many cases, when you authorize a check by phone the merchant does not generate a physical check. In this case, you may see the check appear as an "ACH" transaction.

What is "ACH"?

An ACH, or Automated Clearing House, transaction is an electronic transaction that allows merchants to access your account.

An ACH, or Automated Clearing House, transaction is an electronic transaction that allows merchants to access your account. For example, payroll direct deposits are ACH deposits. Additionally, things like gym membership dues can be set up as ACH withdrawals.

If you have any feedback on the credit union's delivery of great rates, easy access, and remarkable service, please let Direct Federal know.  Member feedback is at the heart of Direct Federal's commitment to continuous improvement.

 

*required fields