HUB Checking
With Free ATMs Worldwide

Eligibility

Agree to receive your monthly statement through email (e-statements)
AND

  • One direct deposit into your account a month
    OR
  • Use your debit card five times in one month

Unlimited reimbursement of all ATM fees and surcharges

Free access to ATM's worldwide​

No minimum balance requirements

No monthly service fees

Unlimited free standard checks

Discounts on Direct Federal loan products


Access to Person to Person payments for transferring money to anyone at ANY bank

Robust Mobile Wallet solution including Apple Pay, Google Pay, Samsung Pay and more

Online and Mobile Banking

It’s a free and easy way to check account balances, transfer funds, make loan payments, pay your bills, and more from your desktop or mobile device 24 hours a day. With our mobile app, you can even electronically deposit checks. If you don’t yet have Online Banking, please give us a call or register here

Contact Center

Our Member Service Team can handle almost any banking need over the phone. We can be reached Monday through Friday from 8:00 am to 5:00 pm and Saturday from 8:00 am to 1:00 pm by calling 888.2DIRECT

DETAILS

Minimum to Open
[ $0 ]

Monthly Service Fee
[ $0 ]

ATM Fee
[ $0 ]

ATM Surcharge Rebate
[ Unlimited ]

Person to Person Payment Fee
[ $0 ]

Official Check Fee
[ $0 ]

Stop Payment Fee
[ $0 ]

Free Annual Credit Report
[ Yes ]

Discounts on Direct Federal Loan Products
[ Yes ]

BASIC CHECKING  

HUB CHECKING ACCOUNT

COMMUNITY CHECKING

Our new checking account created for individuals with a household income of $60,000 or less

Click here to learn more.

To open a Hub Checking account, you simply need a valid Driver's License, State ID or Passport, and a Social Security Number. Our application is quick and easy and can be done online, by phone or in person at our branch in Needham. 

Minimum to Open
[ $50 ]

Monthly Service Fee
[ $10 ]

ATM Fee
[ $2 ]

ATM Surcharge Rebate
[ None ]

Person to Person Payment Fee
[ $2 ]

Official Check Fee
[ $3 ]

Stop Payment Fee
[ $30 ]

Free Annual Credit Report
[ No]

Discounts on Direct Federal Loan Products
[ No ]

OVERDRAFT PROTECTION

Direct Federal offers our members protection for unexpected checking account overdrafts. Specifically, if you have written a check or processed an ACH payment that overdraws your checking, we will look to advance funds from your Direct Federal line of credit and/or your savings account in order to pay the transaction presented. If neither of these options are sufficient, you have yet another option to cover unexpected overdrafts, Courtesy Pay. All checking accounts at Direct Federal come standard with the Courtesy Pay protection. It is available to you after your account has been open for 30 days and your account is in good standing. 

CONTACT

Questions?

HOURS

Monday—Friday

8:00am-5:00pm


Saturday

8:00am-1:00pm

MEMBER SERVICES

781.455.6500

MESSAGE

A Member Relations Specialist will contact you back

Schedule a phone meeting with a Member Relations Specialist

SCHEDULE CALL

FAQ

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. EITHER one direct deposit per month or complete five debit card transactions per month

© 2020 DIRECT FEDERAL CREDIT UNION

Equal Opportunity  Lender.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.