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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 print statement requests and early withdrawal of CDs, may incur fees or penalties. 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 accountholder’s name. This includes payment processing companies such as: PayPal, Venmo 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account, you will receive two small deposits in your external bank account, each under $1.00, that will be immediately withdrawn from your account.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 homepage. 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:
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 in to 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.
With a Tiered Savings account, your Annual Percentage Yield (APY) can increase or decrease, depending on your end of day balance. You can view the current tier in which your balance falls by viewing our Tiered Savings page: https://www.banking.barclaysus.com/tiered-savings.html
The Annual Percentage Yield (APY) for an Online Savings account is the same regardless of balance. The APY for Tiered Savings can change depending on the balance in your account. Additional details can be found here: https://www.banking.barclaysus.com/compare-accounts.html
Yes, each customer can only have a maximum of 3 open Tiered Savings accounts.
Yes, you can only deposit a maximum of $1 million per Tiered Savings account. If you reach the $1 million balance threshold, your account will continue to earn interest; however, you will not be able to deposit additional funds.
There is no minimum balance, but accounts that maintain a zero balance for 6 months will automatically close.
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 to have a check mailed directly to you. Call 888-710-8756 7 days a week from 8:00 am to 8:00 pm ET. ADA/Accessibility Services: Please contact us using relay service (dial 711).
Deposits begin earning interest as soon as they post to your account. Note, even if funds are on hold, your deposit begins earning interest as soon as it is posted to your account. An electronic deposit typically posts 2 to 3 business days after the transaction or transfer is initiated. ACH credits and transfers between your internal Barclays savings accounts post immediately.
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.
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 set your maturity options prior to the date of maturity by logging into your account, selecting Account Details, then Select Maturity Options tab. You can also renew it with a different term.
Beginning on the date of maturity, to withdraw funds within the 14-day grace period, 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. ADA/Accessibility Services: Please contact us using relay services (dial 711).
Yes. We’ll send you an email alert approximately 30 days before and approximately 7 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. You will recieve a final reminder 10 days prior to maturity.
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. Principal is defined as the original dollar amount of the CD.
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 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.
A CD ladder is a savings strategy where you invest in several certificates of deposit with staggered maturities. With this strategy, you'll redeem funds more often than if you put all of your savings in a long-term CD, while still reaping some long-term, predictable benefits.
For general information: http://www.bankrate.com/banking/cds/cd-ladder-guide
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.
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:
Yes. Our website and mobile 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.
At your first login, you will be prompted to complete a one-time passcode (multi-factor authentication) process. Follow the instructions provided online to register your mobile device.
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. Please note, recurring transfers cannot be set up via the Mobile App. Please log in to a computer to set up recurring transfers.
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. Please note, recurring transfers cannot be set up via the Mobile App. Please log in to a computer to set up recurring transactions.
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. ADA/Accessibility Services: Please contact us using relay services (dial 711).
