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Frequently Asked Questions

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How can I get my 1099 Tax Forms online?

Your IRS forms will be available under Statements within Digital Banking.

View Statements >

How does Bill Pay work?

Bill Pay allows you to pay all of your bills, outside of Direct Federal Credit Union, in one place. Your payments will be delivered electronically or by check depending on the recipient. You can schedule one-time or recurring payments.

What are the HUB Checking requirements?

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

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

Are there closing costs for a HELOC?

There are no closing costs.

What is the Direct Federal routing number?

Our Routing & Transit Number is: 211381783

When is the dividend rate in effect?

Dividends start to accrue on the date the  account is funded.

How do I use Zelle?

You can send, request, or receive money with Zelle®. To get started, log into the Direct Federal Credit Union App​. In the main menu, select "Transfer and Pay". Then "Send money with Zelle®".

To send money using Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile number), add the amount you'd like to send and an optional note, review, then hit "Send." The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.

To request money using Zelle®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like, include an optional note, review and hit "Request". If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Direct Federal Credit Union account, typically within minutes.

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:

  1. Click on link provided in the payment notification you received via email or text message.
  2. Select Direct Federal Credit Union.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

How long is the payment grace period for a HELOC?

The Home Equity grace period is 10 days.

Do you offer motorcycle loans?

We do not offer motorcycle loans at this time, but click below to learn more about what personal loans and lines of credit we offer!

View Home Equity >

View Personal Loans >

View Credit Cards >

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.

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