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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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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.

When will the money come out of my account for each Bill?

Your account will not be debited until the payment has been either delivered electronically or until the check is cashed.Reminder will be sent at 60 days if the check remains undeposited. Should an undeposited check extend to 90 days, Bill Pay will automatically void the check and refund the money to the member’s account at no charge.

What are fraud alerts?

Fraud alerts are automated phone calls, text messages and emails that are sent when potentially fraudulent purchase activity has been detected on a credit/debit card account. Messages are triggered by Direct's fraud detection system.

Text messages will be sent to cardholders in the 50 United States at no charge.

Customers with international telephone numbers will only receive emails. They will not receive text messages or phone calls.

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Can I prepay my HELOC?

Prepayment is allowed at any time without penalty. If you pay-off the balance and decide to close the line within the first two years, you will be charged a $395 Early Termination Fee.

How do I see what Bills I have being paid each month within Bill Pay?

On the “Payments” tab of the Bill Pay widget, you will see “Payment Activity”. There you will see what Bills are scheduled to be paid in the current month. By clicking “Next” or “Previous” you can see what is scheduled to be paid or has been paid in the previous month. If you need additional information about any payment such as the payment frequency or the check number, click on the individual payment to be brought to the payment details.Alternatively, if you click on the “Manage Payees” tab within the Bill Pay widget and select an individual Payee you can view historical and scheduled payments for each Payee. Please note that payment history is only available from 2/1/21 and on. Please reference your past statements for payments prior to that.

Where can I find my account number online?

You can find your account numbers within Digital Banking under Account Details.

View Account Information >

Can I pay my Direct Federal Visa® bill online?

Yes. You may pay your Direct Federal Visa bill online using any checking account.

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What is the Direct Federal routing number?

Our Routing & Transit Number is: 211381783

Can I Use Zelle Internationally?

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


What are my credit card billing rights?

Information on your rights to dispute transactions and how to exercise those rights is provided in the Agreement.

Visa Credit Card Agreement (Consumer)

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