For technical assistance such as computer or browser issues contact our technical support staff at (800) 428-9960. They are available to assist you:

To start using Online Banking, simply go to Online Banking and sign-on with your User ID and Downey Direct PIN. (Note: Your Downey Direct PIN is the same PIN you use for Telephone Banking. This is different from your ATM PIN.)

If you do not have a Downey Direct PIN go to Online Banking and select the blue “Enroll” button. Complete the Enrollment Application Form and submit. For security purposes a PIN will be mailed to you within 5 business days.

Online Banking provides a Forgotten Password Reset option you can use to reset your password if you have forgotten it. If you have not setup the Forgotten Password Reset option or if you need assistance resetting your password, you may call Downey Direct at (800) 936-9639. You will be asked to verify some personal information for security purposes. Personal Representatives are available to assist you:

The primary bill payment account can be used to pay bills along with any additional checking accounts you select on the enrollment form. Select your primary bill payment account from the drop-down box on the enrollment form.

Once you have successfully enrolled in Online Bill Pay, sign-on to Online Banking and click the blue "Bill Payments" button. This will bring you to the Online Bill Pay welcome page. You may then set up your payees and schedule your bill payments.

Please call Downey Direct at (800) 936-9639 to verify that Online Bill Pay reflects your correct address. Customer Service Representatives are available to assist you:

If you have more than one checking account linked to Online Bill Pay, then you can sign on to Online Banking, select Bill Payments, and select the My Accounts menu button.  On the My Accounts page, select the Move Payments option.

If you have opened a new checking account and would like to add this account to Online Bill Pay, then proceed to the next question below.

Sign on to Online Banking, select Bill Payments, and select the My Accounts menu button.  On the My Accounts page, select the Add an Account option.

All payments scheduled using Online Bill Pay are processed by CheckFree. With the CheckFree Guarantee, you can be assured that your electronic payments are safe and reliable. When your payments are processed through CheckFree, you are protected in the unlikely event of unauthorized transactions or processing delays. For more information, go to http://www.checkfree.com/checkfreeguarantee.

With Online Bill Pay you can schedule your payments anytime up to five business days before the due date (payment date) of the bill. This allows enough time to process the payment. Bill payment processing does not occur during weekends or bank holidays.

If the payment is sent electronically, the payment clears your account on the scheduled due date (payment date). Otherwise, funds clear your account when the payee deposits or cashes the check. Keep in mind, however, that you should always have funds available to cover the payment on the scheduled payment date.

When you receive your checking account statement, the payments made through Online Bill Pay usually appear as electronic withdrawals (similar to ATM withdrawals). In some cases a paper check is used. When this occurs, the payments will appear on your checking account statement just like your other checks. Your Online Bill Pay checks will be identified by a six digit check number beginning with “20”.

You can pay anyone in the United States that you would normally pay by check or automated debit, with the following exceptions:
• State and federal tax payments
• Court-ordered payments

The payment will be made electronically or by check based on whether the payee accepts electronic payments and other guidelines. For example, some payees, such as individuals, cannot receive electronic payments, so a check is printed and sent to the payee. Whether a payment is made electronically or by check, the payment is processed to reach the payee on time.

Electronic billing lets you receive electronic bills (e-bills) online through Online Bill Pay. Some payees are able to send e-bills to their customers. If you add a payee that is e-bill capable, you will be presented with the option to request e-bills from the payee.