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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.
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. For more information about fees, please see account Terms and Conditions.
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. Any external account that is linked to your Barclays account must be in an account holder’s name. This includes payment processing companies such as: PayPal, Dwolla, Coinbase, Venmo, Square, and Payday loan deposits.
For security reasons, we use test deposits as part of the external account verification process. Within 2-3 business days after linking your external account, you will receive two small deposits in your external bank account, each under $1.00, that will be immediately withdrawn from your account. We do not use your money to make these test deposits.
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. If you do not verify your external account within 99 days from when you opened your account, transfers will be restricted until you can verify your external bank account.
You can reset your Barclays Online Banking password on our website. Simply select the Forgot UserID and/or Password link during Log In from the Barclays Online Banking home page. You will be asked a few short questions to verify your identity. Then choose to have a one-time pass code sent to you by email, phone, or text. The one-time pass code will be active for 10 minutes.
Our routing/ABA number is 031101321.
Please note: Barclays does not accept wire transfers at this time.
To set up direct deposit, simply contact the external account from which you’d like to transfer funds into your Barclays account. You’ll need to follow their procedures for setting up direct deposit but all of them will need the following information:
· Your Barclays Online Banking account number
· Our routing/ABA number: 031101321
There are two ways to update your personal information:
· Log in to BarclaysUS.com/deposits and select My Profile to change your personal information, or
· Give our Customer Care team a call at 888-710-8756. We’re here to help you, 7 days a week from 8:00 am to 8:00 pm ET.
You can send an email with copies of your documentation or follow up on your request via DepositResearch@barclaycardus.com or by mail to:
Barclays
P.O. Box 70378
Philadelphia, PA 19176
You are allowed to open and maintain any combination of 25 total accounts. Please note that there is a 3-account maximum for Dream Accounts.
Log in to your Barclays account, select the External accounts tab, and then the Add bank account button. Enter your external bank routing and account number. Review your entry and then select the Submit button. Your Barclays account may only be linked to 3 external bank accounts. You will need to verify each linked external account with test deposits.
Complaint Policy
Barclays is committed to offering quality products and services. We want to make it simpler for our customers to report instances of dissatisfaction. Barclays upholds principles that aim to:
Barclays strives to make it easy for your voice to be heard. If you’d like to submit a complaint, you can contact us with one of these methods:
U.S. Mail
Barclays
P.O. Box 70378
Philadelphia, PA 19176
Telephone
888-710-8756
ADA/Accessibility Services
Please contact us using relay services (dial 711)
Existing customers can also submit a complaint by accessing their online account and sending a Secure Message.
When you contact us, we’ll gather relevant information such as your name and address, contact information, and a description of your concerns. Barclays colleagues will use this information to fulfill our commitment to providing an efficient and fair resolution. Barclays ensures that each complaint is reviewed on individual merit and that all facts are reviewed to form a cohesive picture of the concerns raised. Barclays aims for swift resolution of complaints; however, some instances may require additional research, and the length of the investigation may be extended. If remediation is required, Barclays colleagues will provide you with an explanation of remediation and any resulting actions.
We value your feedback and appreciate when our customers take the time to provide honest and constructive feedback.
You can add a beneficiary by logging into your Barclays account and then clicking on the Details button for the account you want to add a beneficiary. From there, select the Beneficiaries and owners tab. Click on the Add a Beneficiary link. You will be required to provide the name, date of birth, social security number, and home address for each beneficiary you want to add to your account.
You can add up to four (4) different beneficiaries to each Barclays account. You can assign a different distribution amount to each beneficiary, or they will receive an equal share of the assets by default. For example, if there are four beneficiaries, each will receive 25% of the funds.
Barclays
P.O. Box 4538
Carol Stream, IL 60197
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, 7 days a week from 8:00 am to 8:00 pm ET, to request to have a check mailed directly to you.
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 or transfer is initiated. A check deposit is processed on the day we receive it.
For all deposits made by check or electronically, funds will be held for five (5) business days from the day on which we credit your account for that deposit. ACH credits and funds transferred from another of your accounts at Barclays will be available immediately.
ACH transfers to your external account typically post 2 to 3 business days after they are processed.
No. There is no limit to the number of, and types of, withdrawals and transfers you can make each month from a savings account.
It’s an online savings account that awards you with bonuses for making consecutive deposits and/or no withdrawals. As of 10/17/2017, Dream account is no longer being offered.
Beginning 11/22/2021 through 12/31/2021, Barclays will be closing Dream accounts with a balance of $49.99 or less. Dream accounts with a balance of $50.00 or more will be converted to a Barclays Online Savings account and earn the current Online Savings rate.
If you have a balance of $49.99 or less, your Dream account will be closed and a check will be sent to your mailing address on file. If you need to update your mailing address, you have until 11/21/2021 to make updates by logging into your account, selecting ‘Your profile’, and then editing your Contact information. Or, you can always contact us at 1-888-710-8756. We’re here to help you 7 days a week, 8:00 a.m. to 8:00 p.m. ET.
If you have a balance of $50.00 or more, your Dream account will be converted to a Barclays Online Savings account. Your account number will not change and the Online Savings Account terms and conditions will apply to your account.
If your account balance is $50.00 or more on 11/22/2021, you do not need to make any changes since your routing and account number will not change.
If your account balance is less than $50.00, please contact the depositor to cancel the direct deposits prior to 11/22/2021. Direct deposits that have not been canceled at the time of closure will be rejected and returned to the originating financial institution.
If your account balance is $50.00 or more on 11/22/2021, you do not need to make any changes since your routing and account number will not change.
If your account balance is less than $50.00, please contact the depositor to cancel the direct deposits prior to 11/22/2021. Direct deposits that have not been canceled at the time of closure will be rejected and returned to the originating financial institution.
Scheduled or reoccurring transfers will remain intact if your account balance is $50.00 or more on 11/22/2021.
If your account balance is less than $50.00, you have until 11/21/2021 to cancel your transfers. Please log into your account, select ‘Transfers’ at the top of the page, and then delete any transfers under the ‘Scheduled transfers’ section that are set up for your Dream account. Scheduled transfers that have not been canceled at the time of closure will be rejected and returned to the originating account.
Yes. With a Dream account, you’ve been eligible for a consecutive monthly deposit bonus and a no withdrawal bonus every six months. Because you may not have had the chance to meet the required timeframes to earn these bonuses as a result of this retirement, Barclays will award you both bonuses before your account is converted. This means you will earn a 5.00% bonus on the interest you’ve earned over the last six months, regardless of where you are within the 6-month bonus cycle.
You can calculate your Dream account bonus by adding the previous six months of posted interest plus the interest earned up until the day of closure/conversion, then multiply the total by 5.00%. Please see the example below.
Total Dream bonus = $68.00 x 5.00% = $3.40
No, the Barclays Online Savings account does not offer bonuses, but the interest rate is higher than the Dream account.
You can close your Dream account by contacting us at 1-888-710-8756. We’re here to help you 7 days a week, 8:00 a.m. to 8:00 p.m. ET. However, you will not earn the 5.00% bonus that will be applied to all open Dream accounts on the date of conversion if you close before that date.
You have until 11/21/2021 to deposit funds so that your balance is at least $50.00. Then your account will be converted to a Barclays Online Savings account.
If you have a balance of $50.00 or more on 11/22/2021, no actions required since your existing beneficiaries will remain on the account when your Dream account is converted to the Barclays Online Savings account.
If your Dream account balance is less than $50.00 on 11/22/2021, your account will be closed and payable upon death beneficiaries will no longer apply.
If you have a balance of $50.00 or more on 11/22/2021, your account will be converted to a Barclays Online Savings account. The minor will remain as the primary account holder with the adult remaining as the joint account holder. Minors will still be able to make deposits to their online savings account, check account balances, and review account activity, but only the adult joint account holder will be able to make withdrawals.
If the Dream account balance is less than $50.00 on 11/22/2021, the Account for Minors will be closed and a check for the remaining balance made payable to the Minor will be sent to the mailing address on file.
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, 7 days a week from 8:00 am to 8:00 pm ET.
Yes. We’ll send you an email alert approximately 30 days before your CD matures.
Yes. You will be notified 30 days prior to your CD maturity date. At that time you will have to log in to your account and make a maturity selection.
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, select the Account detail tab, and go to the Additional Details section. Under CD interest disbursement, select the Edit option.
Yes. A penalty will be imposed for any withdrawal of principal from your CD Account before maturity. If your CD Account was opened before July 27, 2016, principal is defined as the original dollar amount of the CD, plus any interest earned and remaining in the account. If the amount required to be forfeited is greater than the interest earned or paid on your CD Account, we will deduct the difference from principal. For any CD Account opened after July 27, 2016, principal is defined as the original dollar amount of the CD. For a CD Account with a term of less than or equal to 24 months, a penalty equaling 90 days simple interest on the dollar amount withdrawn subject to penalty will be imposed, and for a CD Account with a term of more than 24 months, a penalty equaling 180 days simple interest on the dollar amount withdrawn subject to penalty will be imposed. In certain circumstances, such as the death or incompetence of a CD Account holder, the law permits, and in some cases requires, the waiver of the early withdrawal penalty.
Determine how often you want access to your funds. The more frequently you want access, the shorter term your CDs should be.
You’ll be sent a notice of your CD maturity options. You can either reinvest those funds in a new CD at the current interest rate, or have full access to the funds.
If you choose to break your CD before it matures, you will incur a penalty. Otherwise, when it matures, you can choose to reinvest the funds or to cash in the CD.
As of June 6, 2017, we no longer offer accounts for minors. For any account(s) for minor(s) opened before this date, your account terms and conditions will remain the same.
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.
Minors cannot make withdrawals from their online savings accounts. Withdrawals must be handled by the qualified adult joint account holder.
As the primary account holder, the minor will receive end-of-year 1099-INT forms.
The Deposit Checks feature allows you to make a check deposit into your Barclays Online Savings Account by uploading a picture of a check from your computer, laptop or mobile device. This feature was formerly known as Remote Deposit Services, and is still covered in your Account Agreement under that name.
When you’re logged in to your online account, select the Deposit Checks tab and follow these steps:
We’ll send you an email confirmation once we receive the images and another email once the deposit is processed. Checks deposited after 3:00 pm ET will be processed the next business day. There’s a 5-day minimum hold time on the amount deposited.
You can deposit all checks made payable to you, with the exception of:
Remote Deposit is compatible with most computer and scanner models.
Yes. Our website and app offer multiple layers of security including password protection, internet firewalls, and encryption.
When you deposit a check through Deposit Checks, images of the front and back of your check are processed as if a paper check was physically deposited. After funds are available in your account, please mark your physical checks as “Void” and securely dispose of them so that they won’t be deposited again.
Yes. There are limits on the amounts you can deposit remotely:
Just search “Barclays US Savings” at either the Apple App or Google Play mobile app stores and click on the app to download.
Upon your first login, you will be prompted to complete a one-time passcode process. Follow the instructions provided online to register your mobile device.
The Deposit feature on the app allows you to make a deposit by taking a picture of your check using your mobile device. To use this service, please ensure your mobile device or tablet is updated with the latest version of its operating system. Select Deposit:
Daily check amount maximum: $5,000
Daily account maximum: $10,000
Check number maximum: 10 checks in a single day
10 business day maximum: $50,000 / 20 checks
We’ll send you an email confirmation once we receive the images and another email once the deposit is processed. Checks deposited after 3:00 pm ET will be processed the next business day. There’s a 5-day minimum hold time on the amount deposited.
Yes, one-time transfers may be initiated on your mobile device to and from linked and verified external accounts.Click the "+" sign to make a transfer.
Yes, we log you out after five minutes of inactivity. However, we recommend as a best practice that you log out of your session each time following the completion of your task.
If your device is ever lost or stolen, you can call our Customer Care at 877-710-8756 and we can limit the access to your bank account(s) for that device.
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