Two checking accounts. Your choice.
Whether you want everyday value or everyday purpose, Direct Federal has a checking account built for how you actually bank — no monthly fees on either one.
You Get Rewarded
Direct Advantage Checking
0.25% off loans
+0.10 boost on deposits
Earn an extra 0.10% APY* on eligible deposit accounts and take 0.25% APR* off eligible consumer loans while your account stays in qualifying status.
Requirement: Direct deposits of $1,000 or more in each of the first three full calendar months after opening.
Your Community Gets Support
Direct Impact Checking
Swipe. Tap.
Gives back to a local partner
Pick a community partner when you open your account. Every debit card purchase triggers a donation to them, funded entirely by Direct Federal.
Requirement: Choose community partner at account opening.
LOCAL community partnerS
Account benefits