WHAT IS THE DIRECT FEDERAL ROUTING NUMBER?
Our Routing & Transit Number is: 2113-8178-3
WHAT DOES IT MEAN TO HAVE A RETURNED CHECK?
A returned check is a check that was either deposited or cashed on your account and was denied payment by the third-party institution from which it was drawn from. There are several reasons why an institution may not pay a check, including: insufficient funds, uncollectible funds, stop payment or closed account. Depending on the reason for the returned check, the check may or may not be able to be redeposited.
WHY IS MY BALANCE MORE THAN MY AVAILABLE BALANCE?
There are several reasons why this may occur:
A check was deposited into your account and placed on hold.
You used your Direct Debit Card and the merchant placed a hold on the funds.
You gave someone a personal check and that individual brought the check into a branch to receive funds, and the check has been held until it is processed through our check clearing company.
WHAT IS "ACH"?
An ACH, or Automated Clearing House, transaction is an electronic transaction that allows merchants to access your account. For example, payroll direct deposits are ACH deposits. Additionally, things like gym membership dues can be set up as ACH withdrawals.
WHAT SHOULD I DO WHEN AN UNAUTHORIZED CHECK CLEARS MY ACCOUNT?
Speak to a Direct Federal Member Service Representative. This can be done by visiting the branch or calling us at 781-455-6500. Once it is established that the item is unauthorized, an affidavit of forgery needs to be completed and either mailed to Direct Federal or taken into the branch for processing. Once the process is complete, the funds will be returned to your account.
HOW DO I GET FREE CHECKS?
You can get free checks with a Hub checking account. Your initial check order is sent at the time the checking is opened. You can also reorder checks through online banking, our member service center, or in the branch.
I AUTHORIZED A CHECK OVER THE PHONE, WHY DO I NOT SEE THE CHECK COPY?
In many cases, when you authorize a check by phone the merchant does not generate a physical check. In this case, you may see the check appear as an "ACH" transaction.
WHAT ARE THE REQUIREMENTS TO GET A FREE HUB CHECKING ACCOUNT?
1. Enrollment in e-statements
2. AND
- One direct deposit per month
OR
- Five or more debit card transactions per calendar month.
(Excludes ATM + Zelle transactions)
