PLEASE NOTE:

  • Our new App is now available in the app store for both Android DIRECT Android and Apple DIRECT Apple

  • The NEW VISA DIRECT Accounts will be what you use to receive your Home Rewards; the former DIRECT Mastercard Accounts will no longer be a part of the Home Rewards program.

  • Back Home Rewards will be processed in the first part of the 2025 year.

New Sign-up Procedures

DIRECT New Platform Sign-Up Instructions

Existing Clients post November 2024:

  1. Log into your existing DIRECT account

  2. Transfer any remaining balance back into the original funding source

 

New and Existing Clients sign-up for a new DIRECT account on the New Mobile App:

  1. Click link to www.directb.net

  2. Follow prompts through sign-up

  3. Once approved, add your loan and property details in the appropriate fields (note if you have more than one eligible property with Direct follow the prompt as many times as necessary)

  4. If there is an alternative response other than approved, please follow instructions provided

  5. Select Add Money, + New Account, follow prompts to connect your funding source bank with DIRECT, choose amount to transfer, and complete the deposit – No trial deposits!

  6. To pay your mortgage; Select Send Money, Pay Mortgage then select your servicer from the list, Pay Mortgage to log into your mortgage servicer and enter in the agreed upon payment arrangements, and you are complete!

  7. Periodically through the month you can check the status of your monthly eligibility by opening the app and accessing the Rewards tab.  If you have met the criteria a Green Met will appear, and if the criteria are unmet, it will remain gray and stated as Unmet

**Please note, you do not have to close your current DIRECT account. 

List of New Features:

  • More modern New Mobile App and Website experience for your convenience including improved graphics, enhanced screen detail, and more information regarding your account are readily available

  • Improved ease of use for “Add Money” and “Send Money”

  • A comprehensive list of Mortgage Servicers and their payment portals available via links to make easy Mortgage payments, changes to payment amounts, and have access to manage your account monthly, or via Auto Payment if you chose with your Servicer

  • Ability to Pay a Person or a Business

  • No trial deposits – No Credit Check!

  • Creation of new tools to increase visibility into Rewards Savings both monthly and through the term of the loan

  • The creation of a virtual card upon approval with an option to order a physical card at sign up, or in the future

  • Visibility to progress on eligibility criteria for Monthly Rewards Installment

  • Ability to add multiple Directors Mortgage eligible properties

  • Mobile check deposit  

  • Increased Security features to protect your data from potential Fraudsters and Hackers, and utilization of multiple authentication tools to increase Security for your use of personal data on our systems

  • Increase transaction level processing (notification of pending transactions, reduction in time for ACH, Plaid Banking System Integration)

  • Visa Debit Product with a Virtual Card assigned at approval, and physical cards available to be mailed

  • FAQ’s, E-Mail Address, and 24X7 phone number available in our Contact Center to assist with your questions

  • Removing 7$ Monthly Maintenance Fee

 

 

FAQ’s:

Q: Will my account numbers change?

A: Yes, you will be assigned a new Routing and Account Number when you sign up with Direct on Dec. 1st

Q: Can I use my same email and Password as before?

A: Yes, you will be able to use your previous email and password credentials with the new Direct account.

Q: What if I still have some money in my Direct account in November?

A: Direct will need each customer to transfer any remaining funds in their existing account to the New Account on Direct or move the funds to your original funding source to await opening a new account Dec. 1st to then transfer funds to the new account.

Q: Will my Mortgage Servicer, or payment amount, change during this cut window?

A: No, your Mortgage Servicer will remain the same and there will be no changes to the amount of your payments

Q: How will I make my first Mortgage payment?

A: Once you sign up for a new account on Dec. 1st you will have the option to initiate a transfer from your current bank to Direct.  You will then select make Mortgage Payment, select the Servicer from the list provided, access the link, import your new Routing and Account number, the payment amount and details, and you are all set!

Q: Will more information be coming?

A: Yes, we will be sending out emails and posting new updates to the Direct Home Page to include new features, tips, changes, etc.

Q: Does my Loan Officer play a role in this change?

A: If you have been a customer of Direct previously, you will work exclusively with Direct through the transition.

Q: When will I see my back rewards from the Pause?

A: Direct will be going through a vetting process to ensure we have an accurate list.  You can expect payment after the first of the year before the end of Q1

   

Q: After the Transformation is complete, will I have access to my old statements?

A: Yes, there will be an on-line portal available for the access of information post Transformation to the new platform.

Signing up with DIRECT is free
and won’t affect your credit score.

Important Information You Need to Know About Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each individual and business that opens an account.

Banking services provided by Pacific West Bank, Member FDIC. Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC. The Direct Visa® Debit Card is issued by Pacific West Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

What This Means for You

When you open an account, we will ask for your name, address, date of birth and other information that allows us to identify you. We may also ask to see your drivers license and other identifying documents.