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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 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)

I accidentally marked a valid transaction as fraudulent. What do I do now?

When you mark a transaction as fraudulent, the response message you receive will include our fraud detection department’s toll-free number and it asks that you call to review the card activity, or you will receive a call from a fraud detection agent to review. The agent will be able to review the activity with you and clear the card for use.

Is there a credit card annual fee?

There is no annual fee.

How are Money Market dividends compounded?

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

Do you offer HSAs?

We currently do not offer Health Savings Accounts.

View our banking account options >

Can I pay a small business with Zelle?

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Direct Federal Credit Union App​ using just their email address or U.S. mobile number.

Neither Direct Federal Credit Union nor Zelle® offers purchase protection for payments made with Zelle® - for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

How do I set up a new Payee in Bill Pay?

Go to the Bill Pay widget and click on the “Manage Payees” tab. Then select “Add Payee”. You can add a Payee by searching your Payee within our database. If your payee is there, the information about the Payee will auto-fill. If it is not in our database, you can select “click here to create a Payee manually.” You will need to have your Payees information nearby including Name, Account Number, Email address, and Mailing Address.

What if I need more money?

If you realize you need more money to finance your purchase once you start shopping for your car, simply call us at 781.455.6500.

What if I or the RMV lose my Title while doing a state or name change?

One of the following must be done if you have lost or misplaced the title that was mailed to you while the loan is still open:

Contact Direct Federal at 888.2DIRECT to request a duplicate title. Processing time will depend on the RMV. You will be responsible for the state’s duplicate title fee.

Contact your state’s RMV if you live in an owner retained title state for a duplicate title. You will be responsible for the state’s duplicate title fee.

Is live chat still available on the app?

Yes! You can start a chat with us by clicking on the text bubble icon on the login page and the dashboard

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