Online Banking

Flexibility

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.

Settings
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.

Transfers
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.

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 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

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:

Click on the transfers widget
Scheduled transfers tab to view all of the scheduled payments.
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.

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.

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”.

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