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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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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 >

Why does it say it will take 10 days to send my Bill Payment?

The date that is displayed is the estimated delivery date of the check, not the date the payment is sent from your account.

Do you charge to use the coin machine at the branch?

We do not charge for the coin machine but you must be a member to use it.

The coin machine is available Monday-Friday (8am-3pm) and Saturday (8am-12pm).

Please contact us at 888.2DIRECT if you plan on coming into the Branch to use the coin machine.

Do you offer land loans?

We currently do not offer land loans but please check back in with us in the future!

How do I make a payment on my Direct Federal Loan from a Direct Federal Account?

To make a payment to your Direct Federal Loan from a Direct Federal Account, navigate to the “Transfers” feature. For the most payment options, including Principal only payments, click on the “Classic” tab. From there you will be able to select which account you want the payment to come from, which loan it should go to, how much you want to pay, and other payment options.

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.

Do you offer boat loans?

We do not offer Boat 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 >

Will I get fraud alerts while I am traveling domestically/internationally?

If you are travelling within the U.S., you will receive phone calls, text messages and emails. If you are travelling internationally, you will receive emails. You will only receive text messages if your mobile phone plan allows you to receive them while traveling outside of the United States.

How can I make sure my mobile app stays up to date?

You can ensure that you're on the newest app version available by turning on automatic updates in your device settings

What is considered a "new auto" versus a "used auto"?

New Retail Auto:
New Retail Autos are defined as vehicles from the current or previous model year. Also, a vehicle is considered new if it has not been previously titled or has fewer than 7,500 miles (i.e. dealer demonstrators).

Used Retail Auto:
Used Retail Autos are defined as vehicles no more than eight model years removed from the definition of new.

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