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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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Do you offer foreign currency exchange?

We do not offer foreign currency exchange services at this time.

What is the Direct Federal routing number?

Our Routing & Transit Number is: 211381783

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)

What is the "draw period" on a home equity line?

The Draw Period is the period of time you can access funds from your Home Equity Line. Direct offers a 15-year draw period with interest-only monthly payment options.

Can I use talk-to-text(Dictation) to talk to a live chat associate?

Our live chat platform supports the talk-to-text (dictation) feature available on your smart device. To use talk-to-text to chat with one of our live associates click on the “live chat” button found on the bottom left of your screen. Upon establishing a connection with a live chat associate, you may initiate the use of the talk-to-text feature.


The method for accessing the talk-to-text feature on your device's keyboard may vary depending on the type of smart device you are using. To assist you in locating the talk-to-text feature on your device, we have provided additional resources below.

Click here for Apple Keyboard
Click here for Google assistant (gboard)

*Other keyboards may support this feature. Contact your phone provider for additional assistance.

Do you offer loans for commercial/business vehicles?

Yes, we do finance commercial vehicles!

View Business Loans >

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.

How are Money Market dividends compounded?

Money Market dividends are are compounded monthly, and posted monthly.

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.

What does my credit score need to be to qualify for a mortgage?

Different Mortgage programs will have varying qualifications. Please contact a mortgage specialist to discuss your options.

Send message to Mortgage Specialist >

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