Online Banking Login Screen on a Desktop Computer
icon of a smartphone login screen

Click an option below to register


If you are already registered for online banking:
You can download the app and use your existing login information on the app.

If you do not already access online banking:
You can register for access here or you can download the app and register there.

First Time User Registration on Mobile

Features available both in our Online Banking Platform and Mobile App. 


You will be able to see all of the accounts associated with your Social Security Number, under one login. This includes your Business accounts, Trust accounts, Custodial accounts, and even Joint accounts. Joint account owners do not need to share a login. If you are able to see accounts you don't want to see, you can go to My Settings and click on Accounts. Here you will be able to hide/unhide and rename your accounts.

In Online Banking, in the top right, under your name, you can go into Settings and completely customize your Online Banking experience. You can change the color and background of our Online Banking Platform.

This one-stop widget allows you to easily move money between accounts, send other people money, and set up recurring transfers. Simply click which account you want to move the money from and then select where you want the money to go. You can easily add an account at another bank or credit union by clicking Add External Account. You can create recurring transfers, schedule one-time transfers, or instant transfers.

Card Management
Control your Direct ATM, Debit, and Visa cards from Online and Mobile Banking. You will be able to place travel notices, block and unblock your account, and even set daily spending limits.

Savings Goals
We know how important Savings are, and we also know that everyone has different goals with their Savings. Our Savings Goals widget allows you to set goals personalized to your financial needs. The widget will calculate how much you need to save each month to meet that goal and will help track your progress.


The fastest and easiest way to pay your Direct Federal Loan is by logging into Online Banking or our Mobile App.

From Direct Account

From Another Financial Institution





Processing Time


Processing Time

1-3 Business Days

Recurring Payments


Recurring Payments


Link an external account from another financial institution to make payments.


How to
Pay a Direct Federal Loan with a Direct Federal Account

Bill Pay

Bill Pay is a feature within our Online Banking Platform and Mobile App that allows members to pay their bills via our platform.

  • Instead of writing a check and sending it in the mail, you can simply use your computer or smartphone and make the payment online.

  • You can set up one-time payments, schedule future payments or create recurring payments from your checking or Money Market Account.

  • Bill Pay is best for third-party payments. Use our "Transfers" feature for Direct Federal loan payments.


How to
Use Bill Pay


How do I log in for the first time?

Click here to register!

Why am I seeing my child’s account and/or accounts?

You are able to see and access all of the accounts your Social Security Number is associated with at Direct Federal, under one login. This includes Custodial accounts, Joint accounts, and Trust accounts.

If you  see accounts you don't want to see, you can go to My Settings and click on Accounts. Here you will be able to hide/unhide and rename your accounts.

I have a Joint on my account, can he/she/they have their own online banking?

Yes! The Joint account holder can create their own user login.

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.

How do I make a payment on my Direct Federal Loan from another financial institution?

To set up a payment within Online Banking to your Direct Federal Loan, from a different financial institution, navigate to the “Transfers” feature. For a range of payment options,  click on the “Classic” tab. From there you will be able to add an external account if you haven’t already done so. If you have done so, and have previously confirmed the account, then you will see the external account in the “From” dropdown.

If you have not set up an external account previously, you will need to select “Add an account to make a transfer. You will enter the information from your account outside of Direct Federal and hit Save. To confirm your account, we will deposit two small amounts into your outside account in 1-2 business days. You will need to retrieve those amounts from your outside financial institution and enter those amounts by clicking “Confirm” on the Dashboard.

How do I make a Principal only payment?

Navigate to the Transfer widget and select the "Classic" tab. Choose which Direct Federal Account you would like to make your Principal only payment from and then select which loan you will be making a payment towards. Check the “Principal Only” box and enter the amount you’d like to pay.

Additional information

  • The Principal only payment option will only appear if the loan is current
  • Principal only payments must be made at least 10 days prior to the next payment due date

How do I know what the Principal and Interest breakdown is on my loan payment?

Within Online Banking, select your Loan and click on the specific payment you would like more information on. Then select "Breakdown" and you will be able to view the Principal and Interest breakdown of your loan payment.

How do I set up Recurring Payments?

Navigate to the "Transfers" widget and click on the "Classic" tab. Select your Direct Federal Loan from the “To” dropdown. The regular payment amount option will show your next payment due date.

Why do I see two loan payments coming out of my account?
You may have had a scheduled Loan payment that was previously set up by our Contact Center. To check if you have multiple loan payments set up:

  1. Click on the transfers widget
  2. Scheduled transfers tab to view all of the scheduled payments.
  3. Click the pencil to edit payments and the trash can to delete payments

Additional information

If you are unable to delete or edit a payment, please contact us at 888.2DIRECT.

I made a Loan payment, and I am still seeing a notification that my Loan is due.
Did it not go through?

The notification will disappear once your payment has posted to the Loan. Please allow 4-5 days for your payment to process before queuing another payment. 

Where do I access Bill Pay?

In Online Banking, Bill Pay can be found under Transfer & Pay. Within our Mobile App, it can be found by selecting More > Transfer & Pay > Bill Pay.

How does Bill Pay work? 

Bill Pay allows you to pay all of your bills, outside of Direct Federal Credit Union, in one place. Your payments will be delivered electronically or by check depending on the recipient. You can schedule one-time or recurring payments.

How do I set up a new Payee in Bill Pay?  

Go to the Bill Pay widget and click on the “Manage Payees” tab. Then select “Add Payee”. You can add a Payee by searching your Payee within our database. If your payee is there, the information about the Payee will auto-fill. If it is not in our database, you can select “click here to create a Payee manually.” You will need to have your Payees information nearby including Name, Account Number, Email address, and Mailing Address.

How do I see what Bills I have being paid each month within Bill Pay?

On the “Payments” tab of the Bill Pay widget, you will see “Payment Activity”. There you will see what Bills are scheduled to be paid in the current month. By clicking “Next” or “Previous” you can see what is scheduled to be paid or has been paid in the previous month. If you need additional information about any payment such as the payment frequency or the check number, click on the individual payment to be brought to the payment details.

Alternatively, if you click on the “Manage Payees” tab within the Bill Pay widget and select an individual Payee you can view historical and scheduled payments for each Payee. Please note that payment history is only available from 2/1/21 and on. Please reference your past statements for payments prior to that.

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. Due to the COVID-19 pandemic, the option for expedited payments is currently unavailable.

How do I track the status of my Bill Payments?

The status of your payments is located under “Payment activity” within the “Payments” tab of the Bill Pay widget. Click on each individual payment to obtain details and the status of your payment.

Can I hide payees I do not use often?

Unfortunately, you are unable to hide payees. If you have a payee that you do not use or do not use often you can add a “z” in front of the payee nickname to add it to the bottom of the list. Alternatively, when setting up Payees, you can add “tags” to each payee. This will allow you to sort by tag. For example, for Payees you pay each month you could add the tag “Monthly Payment”. You will then be able to sort by all Payees with the tag “Monthly Payment”.

When will the money come out of my account for each Bill?

Your account will not be debited until the payment has been either delivered electronically or until the check is cashed.

Reminder will be sent at 60 days if the check remains undeposited. Should an undeposited check extend to 90 days, Bill Pay will automatically void the check and refund the money to the member’s account at no charge.





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Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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.