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A Returned Deposited Item (RDI) -  is a check that has been returned to a depositor because it could not be processed against the account which it was drawn on.  Deposited items can be returned for many reasons, such as insufficient or unavailable funds (funds on hold), stop payment, closed account, missing signature, etc.

Yes! The Joint account holder can create their own user login.

It takes about five minutes to apply and you will have an answer within one business day.

The date that is displayed is the estimated delivery date of the check, not the date the payment is sent from your account.

You can request a Home Equity Line of Credit and Credit Card increase through Online Banking.
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Depending on the assessed value of your home, and the amount of equity you have in it, you may be eligible to refinance/increase your existing Direct Federal Home Equity Line. Home Equity Line Refinances/Increases have a $295 fee.

Click here to apply to refinance/increase your existing Home Equity Line >

Submit Credit Card Limit increase request >

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.

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Yes, Direct Federal will allow properties that are placed in acceptable trusts.  The trust must be reviewed by our Attorney and must meet all of our guidelines and requirements for the transaction to move forward.  The applicant will need to provide a full copy of the Trust agreement for review.  The applicant must be the trustee or one of the co-trustees.  All trustees must be 18 years of age or older.  Additionally, the trustee must be authorized to borrow money and encumber real estate.

There is no cash advance fee.

Once your application has been approved, you can expect your new card in the mail within 1-2 business days.

In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.