Got Questions? We've got Answers

Are Barclays Bank of Delaware® (Barclays) accounts FDIC insured?

Yes. Barclays Bank Delaware is a member of the FDIC, so our deposit accounts are insured up to the maximum amount allowed by law. If you want to learn more about FDIC insurance limits, visit www.fdic.gov.

Are there fees for Barclays accounts?

There are no monthly maintenance or annual fees charged for Barclays accounts. Certain circumstances, like early withdrawal of CDs or insufficient funds, may incur penalties or fees, but these can be avoided. For more information about fees, and to learn how to keep your savings free of fees, please see account Terms and Conditions.

What is an "external account"?

Your external account is a bank account you have with another U.S. financial institution. It’s linked to your Barclays account so that you can transfer money between the two.

Tell me about "test deposits."

For security reasons, we use test deposits as part of the external account verification process. 2 to 3 business days after you add a link to your Barclays account, we’ll make two test deposits of less than $1.00 into your external account.

We’ll then ask you to log in to your Barclays account and report the amounts of those test deposits. After you have confirmed the test deposit amounts, you’ll be able to begin transferring money between your Barclays account and your external account. We use this method to verify each new external account.

How do I reset my password?

You can reset your Barclays Online Banking password on our website. Simply select Log In from the Barclays Online Banking home page. Enter your user name then click on the Forgot Your Password? link. You will be asked a few short questions to verify your identity. Then choose to have a password hint emailed to you or to reset and confirm a new password.

What is Barclays Online Banking routing/ABA number?

Our routing/ABA number is 031101321.

How do I set up a direct deposit?

To set up direct deposit, simply contact the institution (your “external account”) from which you’d like to transfer funds into your Barclays account. Institutions have various procedures for setting up direct deposit, but all of them will need the following information:

  1. Your Barclays Online Banking account number
  2. Our routing/ABA number: 031101321

How can I update my address or other personal information?

There are two ways to update your personal information:

  1. Log in to BarclaysUS.com/deposits and select My Profile to change your personal information, or
  2. Give our Customer Care team a call at 888-710-8756. We’re here to help, Monday through Friday, 8am to 8pm Eastern Time.

Security

How can I keep my information secure?

It’s important to keep your user name and password secret to protect your account information. To maximize your security, be sure to select Log out when you are finished banking—this will prevent someone from selecting the Back button to access your accounts. In addition, we'll automatically log you out of the website after 10 minutes of inactivity. If you need to contact us through email, we recommend you log in and use the secure email functionality provided within your account.

Will you ever ask me for my password?

No. Your password should not be shared with anyone, including us. We would never contact you to request your online user name or password. If you receive a suspicious request for information, please check with Barclays Customer Care at 888-710-8756 before providing any information. Our Customer Care team is here to help Monday through Friday, 8am to 8pm Eastern Time.

I may have disclosed my personal details in response to a suspicious email. What should I do?

If you think your personal details with Barclays have been compromised in any way, please call Barclays Customer Care immediately at 888-710-8756.

I've received emails claiming to be from Barclays asking for my personal details. How do I know if these emails are genuine?

We'll never ask you to verify or provide your personal information (such as your Social Security Number, mother’s maiden name, etc.) in an email. If you're ever in doubt about the validity of an email you receive, DO NOT offer your personal information. Please forward any suspicious emails that reference Barclays to PhishingReport@barclaycardus.com.

Why does Barclays need my Social Security Number?

Barclays Bank Delaware is required by law to obtain your Social Security Number for tax and national security purposes required by the USA PATRIOT Act. It's the easiest way for us to verify your identity when you contact us, and you'll be more secure knowing that only you can access your account.

If I've confirmed that fraudulent transactions have been charged to my account, what should I do?

Please contact Barclays Customer Care at 888-710-8756, Monday through Friday, 8am to 8pm Eastern Time, to speak with a Relationship Manager. For more information about protecting yourself from fraud and identity theft, please visit www.ftc.gov.

How do I deposit funds into my Barclays Online Savings Account?

You can deposit funds in any of these 4 ways:

  1. Make deposits from your personal computer or smartphone using Remote Deposit. (See Remote Deposit FAQ tab for more information.)
  2. Set up direct deposit into your account. (See details under General tab.)
  3. Transfer funds electronically through an ACH transaction. To do this, log in to your account, select Transfer Money, enter the amount you'd like to transfer, select which account the funds will come from and the account where you'd like the funds to go. Then schedule the date of your transfer.
  4. Mail your check to the address below. Sorry, but we don’t accept checks drawn on foreign banks, third-party checks or cash deposits. (A third-party check is a check that is signed over to an individual not named on the front of the check.)

Barclays
P.O. Box 4538
Carol Stream, IL 60197

How do I withdraw funds from my Barclays Online Savings Account?

Simply log in to your account, select Transfer Funds, and transfer the desired amount to your external account. It can take 2 to 3 business days for the funds to be posted by your external bank. You can also call Barclays Customer Care at 888-710-8756, Monday through Friday, 8am to 8pm Eastern Time, to request to have a check mailed directly to you. Remember, you’re only allowed to withdraw funds up to 6 times in each statement cycle. Please note that checks will only be written to the primary account holder and mailed to the current address on file.

When do deposits start earning interest?

Deposits begin earning interest as soon as they post to your account. An electronic deposit typically posts 2 to 3 business days after the transaction is initiated. A check deposit is processed on the day we receive it.

How long are deposits on hold?

Check and electronic deposits are held for 5 business days from the day they post to your account. ACH credits and funds transferred from another Barclays account are available immediately. For more information, please read the Funds Availability Schedule in the account Terms and Conditions.

How long does it take for an ACH transfer from my Barclays account to post to my external account?

ACH transfers to your external account typically post 2 to 3 business days after they are processed.

Is there a limit to the number of transfers I can make from my Barclays Online Savings account?

Yes. Federal law limits the number of, and types of, withdrawals and transfers you can make each month from a savings account. You can make no more than 6 transfers or withdrawals, or a combination thereof, to another account.

Transfers include any transaction that reduces your account balance, initiated by Barclays or any other institution. For more information, please refer to the Transaction Limitations section in the account Terms and Conditions.

What is a Dream Account?

It’s a special online savings account that awards you with bonuses for making smart savings decisions.

Who can open a Dream Account?

Any U.S. resident can open a Dream Account. Minor children (under 18 years old) will need to have a qualified joint account holder (over 18 years old) – a parent, grandparent, guardian or family friend, for example.

What bonuses can I earn?

  • When you make deposits each month for 6 consecutive months, you’ll get a 2.5% bonus on the total interest earned over that time.
  • When you make no withdrawals over 6 consecutive months, you’ll earn a 2.5% bonus on interest you’ve earned over those months.

Smart savings decisions can earn you one or both bonuses, moving you closer to your dream.

Is there a minimum deposit required?

No – there is no minimum deposit required but the initial opening deposit cannot exceed $1,000.00.

Is there a maximum deposit required?

Yes, there is a maximum deposit of $1,000 in a calendar month, per account.

How many Dream accounts can one person open?

Any one individual can only open 3 Dream Accounts.

What happens to my account when my CD matures?

You can either withdraw your funds or automatically renew your CD at the interest rate and annual percentage yield (APY) in effect on the date of maturity. You can also renew it with a different term.

Beginning on the date of maturity, you’ll have a 14-day grace period in which you can withdraw funds from your CD without penalties. To withdraw your funds, you’ll need to contact us in writing or by phone before the grace period ends. For more detailed instructions, call the Barclays Customer Care team at 888-710-8756, Monday through Friday, 8am to 8pm Eastern Time.

Will Barclays remind me of the maturity date on my CD?

Yes. We’ll send you an email alert approximately 30 days before your CD matures.

Can I renew my CD?

Yes. If you’d like to renew your CD for the same term, you won’t need to take any action. It will automatically renew at the interest rate and annual percentage yield (APY) in effect on the date of maturity.

Can I receive interest disbursements from my CD?

Yes. You can receive interest disbursements each month. You have the option to keep interest in your CD account or to transfer it to your Barclays Online Savings account (or to a verified external account). To set up this preference, please log in to your account, go to the Account Summary tab and select CD interest disbursement.

Are there penalties for early termination?

Yes. We charge 90 days simple interest on the amount withdrawn for CD Accounts with terms of less than 24 months. For CD Accounts with terms greater than 24 months, we charge 180 days simple interest on the amount withdrawn. In certain circumstances, such as the death or incompetence of an account owner, we may waive the early withdrawal penalty.

Do you offer online accounts for children under 18 years old?

Yes we do. But while accounts are available for minors, they must have a qualified adult joint account holder – a parent, grandparent, guardian or other interested person.

What can a minor do with their account?

Children under 18 can make deposits to their online savings account, check account balances, and review account activity. They can also set up their own user names and passwords.

How does the child make withdrawals?

Minors cannot make withdrawals from their online savings accounts. Withdrawals must be handled by the qualified adult joint account holder.

Who receives a Federal Form 1099-INT for tax purposes?

As the primary account holder, the minor will receive end-of-year 1099-INT forms. These must be reported in the minor’s tax return, if applicable.

What is Remote Deposit?

Remote Deposit offers you a convenient way to make deposits using your home PC scanner or iPhone®, Android™ or BlackBerry® smartphone. To deposit a check remotely, simply scan the front and back of the check or, if you’re using your smartphone, take photos of the front and back of the check. We process these images as securely as we do paper checks. Checks deposited after 3pm Eastern Time are not processed until next business day, and standard hold times for check deposits apply.

How do I enroll in Remote Deposit?

It’s easy to get started using Remote Deposit. Just give our Customer Care team a call at 888-710-8756, Monday to Friday, 8am to 8pm Eastern Time. To use Remote Deposit from your smartphone, download the app from the Apple® App StoreSM or from Google Play™ by searching "Barclays Remote Deposit".

iPhone and Apple App Store are trademarks of Apple Inc.
Android and Google Play are trademarks of Google Inc.
BlackBerry
® is owned by Research In Motion Limited and is registered in the United States and may be pending or registered in other countries. Barclays Bank Delaware is not endorsed, sponsored, affiliated with or otherwise authorized by Research In Motion Limited.

What kind of checks can I deposit through Remote Deposit?

You can deposit all checks made payable to you, with the exception of:

  • Money orders
  • Third party checks
  • Foreign checks

Are all computers and scanners compatible with Remote Deposit software?

Remote Deposit is compatible with most computer and scanner models – with the exception of wireless scanners. Please note that Mac® computers are not compatible with Remote Deposit software at this time.

Is Remote Deposit secure?

Yes. Our website and app offer multiple layers of security including password protection, internet firewalls, and encryption.

Why is my Remote Deposit app "timing out?"

If you have a weak signal on your mobile device, features of the Remote Deposit app could time out. Please make sure you have a strong signal when you deposit checks with Remote Deposit.

What should I do with my checks after I deposit them remotely?

When you deposit a check through Remote Deposit, the images of the front and back of your check are processed as if a paper check were brought in for deposit. After your funds are available in your account, please mark your physical checks as “Void” and dispose of them so that they will not be deposited again.

Are there any limits on Remote Deposit?

Yes. There are limits on the amounts you can deposit remotely:

  • Check amount maximum: $5,000
  • Daily amount maximum: $10,000
  • Check number maximum: 10 checks in a single day
  • 10-day maximum: $50,000 / 20 checks

Please note that for the Barclays Dream Account, the maximum deposit is $1,000 per calendar month, per account.