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  1. 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.

  2. 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. 

  3. 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. 

  4. 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 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. 

  5. 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. 

  6. Our routing/ABA number is 031101321.

    Please note: Barclays does not accept wire transfers at this time.

  7. 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

  8. 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.

  9. 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 2460
    Cranberry Twp., PA 16066

     

  10. 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.

     

  11. Yes. As long as the name on the refund is the same as the account holder. Our routing/ABA number is 031101321.

  12. Yes. Our log in process has been updated. If you are using any third party financial management programs like Mint, Hello Wallet, or something similar,  please revisit the set up process to allow access to your Barclays account. Until you make that update, the third party programs will not recognize the new log in process and will cause a log in failure email alert.

  13. Yes. Please dial 1-704-719-1515. We're here to help you 7 days a week, 8:00 AM to 8:00 PM ET.

  14. Yes.

    The Barclays US Savings app allows you to view your online bank accounts, complete transfers, deposit checks and more from your smartphone or tablet.

    You can enjoy these convenient account features:

    • View your account activity and details
    • Complete one-time transfers
    • Deposit checks through your mobile device
    • Receive push notifications for all transaction activity
  1. You can deposit funds in any of these 4 ways:

    • Make deposits from your personal computer or smartphone using Remote Deposit. (See Remote Deposit FAQ tab for more information.)
    • Set up direct deposit into your account. (See details under General tab.)
    • 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.
    • 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

    Please note: We don’t accept checks drawn on foreign banks, third-party checks, money orders, wire transfers 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.)

  2. 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. Remember, you’re only allowed to withdraw funds up to 6 times in each statement cycle without incurring a fee.

  3. 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.

  4. 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. 

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

  6. 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 per statement cycle without incurring a fee. 

    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. Barclays reserves the right to close accounts that have violated this policy more than three times in a twelve month period. If the Barclays account is closed, funds will be transferred back to the originating account.

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

  2. As of 10/17/2017, the Dream account product is no longer being offered. For any Dream account(s) opened before this date, your account terms and conditions remain the same. 

    1. When you make deposits every month for 6 consecutive months, you’ll earn a 2.5% bonus on the total interest earned over that time.
    2. 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.

  3. No – there is no minimum deposit required per month but the total monthly deposit cannot exceed $1000.

  4. Yes, there is a maximum deposit of $1,000.00 in a calendar month, per account.

  5. Any one individual can only have 3 open Dream Accounts.

  1. 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.

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

  3. 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.

  4. 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.

  5. Yes. We charge 90 days simple interest on the amount withdrawn for CD Accounts with terms of 24 months or less. 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.

  1. Determine how often you want access to your funds. The more frequently you want access, the shorter term your CDs should be.

  2. 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.

  3. 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.

  1. 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.

  2. 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.

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

  4. As the primary account holder, the minor will receive end-of-year 1099-INT forms.

  1. 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.

     

     
  2. When you’re logged in to your online account, select the Deposit Checks tab and follow these steps:

    1. Tell us about your deposit, such as the amount on the check and the receiving account.

    2.  Sign the back of your check.

    3.  Upload a picture, from your phone, tablet or personal computer, of the front and back of the check.

    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.

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

    • Money orders
    • Third party checks
    • Foreign checks
  4. Remote Deposit is compatible with most computer and scanner models.

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

  6. 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.

  7. 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 business day maximum: $50,000 / 20 checks

     

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

  1. 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.

  2. 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. Your funds will be on hold for at least five business days.

    Please note that there are limits on the amounts you can deposit remotely:

    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

  3. 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. 

  4. 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.

     
  5. 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.