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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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Can my card be added to a digital wallet?

Yes, Direct Federal debit and credit cards can be added to Apple Pay, Google Pay, and Samsung Pay.

What if I want to send money to someone whose bank or credit union doesn't offer Zelle

You can find a full list of participating banks and credit unions live with Zelle® at Zellepay.com.

If your recipient's bank or credit union isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address or U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

I authorized a check over the phone, why do I not see the check copy?

In some cases merchants do not submit the physical check for payment.  The check is converted into an electronic check (eCheck).  This is also known as a digital version of a paper check (Image replacement Document).  eChecks use the Automatic Clearing House (ACH) to debit from a members checking account.

Do you offer Youth Accounts?

Applicants under 18 require a joint owner on the account.

How can I upload proof of insurance for my vehicle?
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 >

How do I transfer a balance to my credit card?

Log in to Online Banking or our Mobile App Hover over Menu item "Tools"Select "Card Management"Select your Visa Credit Card. Select "Balance Transfer", input Card Issuer Details and Submit!

Transfer Balance Now >

What documentation is required to close a home equity loan or line?

Required documentation will include but is not limited to: an insurance binder or insurance declaration page, income verification, mortgage statement, and valid license or identification.

Will my credit be pulled if I need a Home Equity increase?

Yes, you will need to submit a HELOC application and select "Home Equity Increase (Refinance)" as the purpose.

Home Equity Line Refinances/Increases have a $295 fee.

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

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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