FAQs
Browse Topics
-
General Topics
What is the Dedham Savings Routing Number?
The Dedham Savings Routing number is 211371722. This number can also be found anytime at the bottom of any page of our website.
When are my funds available if I deposit a check in person, at an ATM, or via Mobile Deposit?
- In person – for deposits made Monday-Friday, funds are available next business day. Business days do not include Saturdays, Sundays and federal holidays. Note that some checks may be available immediately when deposited in person, such as a money order, town/city/state checks, and any check from the US Treasury, such as Social Security, tax refund, etc.
- At an ATM – funds are available on the next business day, as long as the check is deposited before 2:00 pm
- Via Mobile Deposit – funds are available on the next business day, as long as the check is deposited before 4:00 pm
How do I reorder checks online?
You can order checks online at Deluxe: https://orderpoint.deluxe.com/personal-checks/welcome.htm. The Bank routing number for check reorder is: 211371722. Please note that there may be a check reorder fee based on your account type.
How do I reorder checks in Online Banking?
- Login to Online Banking
- At the top of the page, click on Tools and Check Reorder
- This will take you to the Deluxe website where you can place your order.
- The Bank routing number for check reorder is: 211371722. Please note that there may be a check reorder fee based on your account type.
How do I stop a check payment?
-
- You can complete a stop payment yourself inside Online Banking by following these steps:
-
- Log in to Online Banking.
-
- On the Self Service tab, click on Stop Payment
-
- Follow the prompts on the screen
How do I sign up for Direct Deposit?
Complete this handy form and provide it to your employer or human resources department, so all or a portion of your paycheck can be directly deposited to your Dedham Savings account.
-
ATMs
What banking transactions can I complete at an ATM?
- Get Cash
- Make a Deposit (at Dedham Savings ATMs)
- Check Account Balance
- Transfer Funds
Can I make a deposit at any ATM?
- You can make a deposit at Dedham Savings ATMs that accept deposits.
- You can always deposit a check using the Dedham Savings Mobile App.
What does “Free ATMs” mean?
Free ATMs means you can use ATMs at other banks without paying typical fees. You aren’t charged a Foreign ATM fee by Dedham Savings and, if you are charged an ATM Surcharge by the other bank, Dedham Savings will rebate the fee for you, based on your account features.
- A Foreign ATM fee is a fee charged by your bank when you use a different bank’s ATM
- An ATM surcharge is a fee charged by another bank when you use their ATM but aren’t their client.
Why should I use a SUM or AllPoint ATM?
- If your Dedham Savings account DOES include free ATMs, this may not be a concern, as you won’t pay typical ATM fees, based on your account features.
- If your Dedham Savings account does NOT include free ATMs, using a SUM or AllPoint ATM helps you to avoid ATM fees if they are typically charged on your account.
How do I find a SUM or AllPoint ATM?
-
Bill Pay
View our easy How to Sheet or How to Video
Learn more about Bill Pay with our easy How to Sheet or How to Videos: Online Payments & Transfers and Mobile Payments & Transfers.
What can I do with Bill Pay?
You can pay businesses and individuals with Bill Pay, using a computer, tablet, or smartphone. You can:
- Schedule bills to pay now, in the future, or on a recurring basis
- Review payment history for each Payee
- Create reports of payment history
How do I sign up (or enroll) for Bill Pay?
- Log in to Online Banking
- When logged in, select Move Money and Bill Pay
- Click the Bill Payments Service Agreement and Disclosures to read and accept the agreement
- Check the box after you’ve read the service agreement and disclosures and click Enroll
How long does it take for a Bill Pay payment to reach a payee?
- As you set up each payee, when you click on the payee, you will see a note below the name of the payee telling you how quickly the payment will arrive. The system will determine if a payment will be made electronically or as a paper check, and paper checks will be mailed out by the system.
- Electronic payments typically arrive to the payee in 2 business days.
- Check payments will typically arrive to the payee within 5 business days.
How do I set up a recurring or future bill payment?
View our easy How to Video.
- Login to Online Banking
- Select Move Money and Bill Pay
-
- On the Multi Pay tab, click on the name of the Payee you’d like to set up automatic Bill Pay payments.
- Select Set up auto-pay from the pop up.
- To set up your autopay, add a memo so you recall what the monthly payment is for.
- Next fill in or select all the fields related to the payment.
- To schedule your payments, select the Start on date using the calendar, and choose from either Until I modify or cancel, a specific date, or a specific number of payments as the end date.
- Review the auto-pay options you entered, then click Save auto-pay options
- After saving auto-pay options, you will be shown a confirmation page with the options you entered. Click Close to finish.
Why can’t I edit my payee’s address?
View our easy How to Video.
Some payees have addresses that are already available in Bill Pay. These are typically large companies, like cell phone service providers, utility companies, etc. They have specified for us where they would like payments to be sent, and the address cannot be modified.
How do I pay a Mortgage or Loan online?
- Login to Online Banking
- Select Move Money and then Loan Payment
- Now, follow the prompts on the Make Payment page
-
Credit Cards
-
Debit Cards
How old do I have to be to get a Debit Card?
Students as young as 16 can get a Debit Card at Dedham Savings. Please note that, to help students safely use a Debit Card, we set lower transaction limits on the card.
Can I get a Debit Card immediately?
Yes! Qualified account holders can receive a Debit Card on the spot during business hours in one of our branches.
How do I activate my Debit Card?
When you receive your new Debit Card, you can activate it by performing a balance inquiry or withdrawal from any ATM, making a PIN-based purchased at any merchant, or calling telephone banking at 888-252-0760.
What do I do if I forgot my Debit Card PIN?
If you don’t know your card PIN, please contact us during business hours to receive a PIN reminder, or visit one of our branches to have your PIN re-set.
What do I do if I lost my Debit Card?
- Contact us right away to let us know:
- During Business Hours: 781-329-6700
- After Business Hours: 800-236-2442 and select Option 1 on the Main Menu
- Also take the precaution of turning your card off immediately through Card Controls inside the Mobile Banking app. This prevents your card from being used in case you lose it.
How do I turn my Debit Card on and off?
Use Card Controls within the Dedham Savings mobile app to turn your card on and off anytime.
Learn more about Card Controls with our easy How to Sheet or How to Video.
Can I control where my card is used or the transaction amount?
Yes, all of these can be controlled with Card Controls inside the Dedham Savings Mobile Banking app.
View our easy How to Video.
Can I use my Debit Card in another country?
Yes, you can! Before you head off on your travels, please notify us of your travel dates and countries. You can also utilize Card Controls within the Dedham Savings mobile app to monitor transactions, especially when traveling.
How do I report unauthorized transactions on my Debit Card?
- Contact us right away.
- Also take the precaution of turning your card off immediately through Card Controls inside the Mobile Banking app. This prevents your card from being used in case you lose it. You can also control types of transactions and dollar amounts with Card Controls.
What does it mean if my Debit Card is “compromised”?
If your Debit Card is compromised, it means that your card information may have been stolen by identity thieves. This can happen when you shop at a merchant, gas station, etc, and client card data is stolen from them. When we are notified by a merchant that our client Debit Card data may have been stolen from them, we work quickly to protect our clients. We typically reduce available transaction amounts on the compromised cards and notify clients. We then reissue a new card to affected clients, and the new card has a new card number and expiration date, but the same PIN as your existing card. Once the new card is received and the card is activated, the old card can be destroyed. If this happens to you, you’ll want to be sure to share your new card information with any companies that use the card to collect payments.
- Contact us right away to let us know:
-
Mobile Banking & Mobile Deposit
View our easy Mobile Banking How to Sheet or How to Video
Learn more about Mobile Banking with our easy How to Sheet or How to Videos.
What can I do with Mobile Banking?
• Check your account balance or history any time
• Make deposits from your kitchen table
• Transfer funds between accounts or banks
• Pay bills
• Send money to people, no matter where they bank
• Manage your Debit Card
• Keep tabs on your credit scoreHow do I sign up (or enroll) for Mobile Banking?
- Download the free Dedham Savings mobile app at the Apple Store for iPhone or Google Play for Android.
- Open the app and select “Enroll Now” and follow the prompts
- Watch our handy How To Video to get started.
I forgot my Mobile Banking User ID and/or password. How do I reset them?
To reset your Mobile Banking User ID, view our helpful How to Video.
To reset your Mobile Banking password, view our helpful How to Video.
Can I login to Mobile Banking with my fingerprint?
Yes!
Apple users can follow these steps:
- To enroll Touch ID as a feature on Mobile Banking, you must first make sure the feature is turned on in the Settings of your device generally.
- Go to the settings application on your device
- Find and select Touch ID & Passcode
- Enter your numerical passcode
- On the next screen, select Add a Fingerprint and follow the prompts to have the device scan and save your fingerprint.
- Now, under Use Touch ID for: select the features that you wish to have through Touch ID. The specific feature that needs to be turned on for use with Mobile Banking is Password Autofill but you may consider selecting the other features to turn on as well.
- Return to your device’s home screen and select the Dedham Savings Mobile Banking icon
- Select Enable Touch ID before entering your credentials. If selected, the words Enable Touch ID will be green and a checkmark will appear next to them.
- Enter your username and password
- After selecting Done, a prompt window will appear. Once satisfied, select OK to Enable Touch ID.
- Now you will be able to login with your fingerprint through Touch ID rather than entering in username and password information each time you access Mobile Banking.
Android users can follow these steps:
- To enroll Touch ID (Fingerprint Sign On) as a feature on Mobile Banking, first make sure the feature is turned on in the Settings of your device generally.
- Once you have done that, return to your device’s home screen and open the Dedham Savings Mobile Banking app
- Log in, then click More on the upper right
- Click Settings
- Under Quick Access, click Passcode
- Turn Fingerprint on and click OK on the notifications you receive, then Confirm with your fingerprint
- Now you will be able to login with your fingerprint through Fingerprint Sign On rather than entering in username and password information each time you access Mobile Banking.
This feature can sometimes be problematic for some phones and some software versions. If you experience difficulty with Touch ID, contact us for assistance or revert to password login.
Can I login to Mobile Banking with face recognition?
Please note that this technology is available for Apple but not yet for Android. Apple users can follow these steps:
- To enroll Face ID as a feature on Mobile Banking, you must first make sure the feature is turned on in the Settings of your device generally.
- Go to the settings application on your device, and Enable Face ID & Passcode
- Open the Dedham Savings mobile app and select Enable Face ID
- Note that, even after completing this step, you may have to manually enter your User ID and Password the next few times you log in
- A quick access screen will appear; choose Face ID
This feature can sometimes be problematic for some phones and some software versions. If you experience difficulty with Face ID, contact us for assistance or revert to password login.
How much account history is available inside Mobile Banking?
You can view up to 13 months of account history in Mobile Banking.
How do I deposit a check with Mobile Deposit?
Learn more about Mobile Deposit with our easy How to Sheet or How to Video, or follow these simple steps.
Please note that, if your account is new, there is a 30-day waiting period before Mobile Deposit becomes available to you.
- Login to the free Dedham Savings Mobile Banking app
- Once logged in, tap the + icon on the lower section of the screen
- Tap Deposit on the lower right
- Sign the back of your check and include the words “For Mobile Deposit Only Dedham Savings”
- Follow the screen prompts to photograph the front and back of your check, enter the check amount, and add an email address if you’d like a receipt
- If everything for the deposit looks correct, tap Continue and Approve
- When your deposit is successful, you will see a confirmation message on the screen
- Notes about Deposits:
- Approved deposits will be available in your account on the next business day, as long as the check is deposited before 4:00 pm
- You can deposit up to $10,000 per check or per day, and up to $25,000 in a 5-day period
When will my Mobile Deposit funds be available to me?
Funds are available on the next business day, as long as the check is deposited before 4:00 pm. Deposits made after 4:00 PM will be made available on the second business day.
How much and how often can I deposit checks using Mobile Deposit?
Accounts typically include these standard check deposit amounts:
- Per Check: $10,000
- Per Day: $10,000
- Per Week: $25,000 (5 consecutive days)
How do I endorse the back of a check for Mobile Deposit?
View our easy How to Video.
Endorse the back of your check with your signature and “For Mobile Deposit Only Dedham Savings”.
How long do I save my check after I deposit it using Mobile Deposit?
After depositing your check via Mobile Deposit, retain your check for 30 days and then destroy securely.
How is Text Banking different from Mobile Banking?
With Text Banking, you don’t have to sign into your account. Instead, you can get text alerts on your mobile phone. You can use Text Banking to receive the following information:
- Summary of available balances for all accounts
- Summary of recent transactions per account
How do I sign up for Text Banking?
- Log in to Online Banking
- Under Quick Links in the left column, click on Manage Mobile Banking Settings
- Find your phone number for the device on which you wish to activate Text Banking under My enrolled mobile devices:
- If your phone number is listed:
- Select Activate Now
- View the Activation Code that appears
- You will receive a text from 79680. Respond with your Activation Code.
- If your phone number is not listed
- Select Add Text Banking and enroll your phone
- Select your Mobile Carrier from the dropdown and enter your phone number.
- Review the Terms and Conditions and check I accept the Terms and Conditions of Use and select Accept
- Select Enroll and follow the steps noted above for listed devices.
- If your phone number is listed:
What should I do if I lose my phone, in order to keep my accounts secure?
If your phone is lost or stolen, please Contact Us.
What do I do if I change phones?
If you’re using the same phone number, simply download the Dedham Savings Mobile App and follow the prompts to login.
If you have changed phone numbers, please Contact Us.
How do I transfer money between accounts?
View our easy How to Video.
- Log in to Mobile Banking
- Tap the Transfers at the bottom of the screen.
- Tap Make Transfer and follow the prompts.
How do I sign up for Zelle so I can send money to people?
View our easy How to Video.
Learn more about Zelle with our easy How to Sheet or detailed information page.
What is Mobile Wallet and how do I use it?
Mobile Wallet allows you to pay at checkout without pulling out your debit or credit card. View our easy How to Sheet or How to Video to start using Mobile Wallet.
How do I access my Credit Score in Mobile Banking?
View our easy How to Video or our helpful Credit Score page for full details.
-
Mortgages & Loans
Can I apply for a Mortgage or Loan online?
Can I start a Mortgage or Loan application and finish later?
Yes, for Mortgages and other loans that allow online applications, the system will let you save your application and return to it at a later time. Just follow the prompts on the screen when in the online application.
When will my Mortgage or Loan bill arrive?
- A paper bill will arrive approximately 7-10 days prior to your due date.
- An electronic bill will arrive approximately 12 days prior to your due date.
How do I sign up to receive my Mortgage or Loan bill electronically?
- Sign up for and log in to Online Banking
- On the Accounts tab, select Statements on the left-hand side of the page.
- Select Change Statement Delivery Method and select Online
- Select the Statement Service Agreement and Disclosure. Review the disclosure and check the box indicating that you have read and agree to the terms and click Submit
Can I pay my Mortgage or Loan bill electronically from my Dedham Savings Account?
Visit our Loan Easy Pay page to learn all of your Loan Payment options.
Can I pay my Mortgage or Loan bill electronically from another bank?
Visit our Loan Easy Pay page to learn all of your Loan Payment options.
How do I get more checks for my Home Equity Line of Credit?
Contact the Loan Servicing Department at 781-329-6700 or 800-462-1190 to request additional checks or submit your request in writing to Dedham Savings | Attn: Loan Servicing Department | 55 Elm St. | Dedham, MA 02026.
How do I make a stop payment on a Home Equity Line of Credit check?
Contact the Loan Servicing Department at 781-329-6700 or 800-462-1190 to initiate the stop payment. Additional documentation may be required and fees may apply.
How do I transfer funds from my Home Equity Line of Credit to my Checking account?
- Log in to Online Banking or Mobile Banking
- In Online Banking: Click on Transfer Funds and follow the prompts.
- In Mobile Banking: Tap the + at the bottom of the screen. Tap Transfer and follow the prompts.
I received my real estate tax bill, but my taxes are escrowed. Do I need to forward the bill to Dedham Savings?
No, we automatically receive your tax bills, so you don’t need to send them to us.
How do I obtain a payoff quote?
Contact the Loan Servicing Department at 781-329-6700 or 800-462-1190, or email us at [email protected].
I received a check from an insurance claim for damage to my house. How do I get it endorsed?
Contact the Loan Servicing Department at 781-329-6700 or 800-462-1190, or email us at [email protected].
-
Online Account Opening
Can I open any account online?
View our easy How to Video.
You can open many accounts right from our website or Mobile Banking App. If online account opening is available for the account you would like, you will see an Open an Account button on that web page, or on the home screen of the Mobile Banking App. A few accounts cannot be opened online, such as Student Checking, as additional information will be needed during account opening and the account must be opened at a branch.
-
Online Banking
View our easy How to Sheet or How to Video
Learn more about Online Banking with our easy How to Sheet or How to Videos.
What can I do with Online Banking?
Online Banking is an easy, free, secure way to bank 24/7 on a computer or tablet. You can:
- View your account balances & review transactions
- View check images
- Transfer funds between accounts
- Access Bill Pay
- View Statements, Tax Forms, and Bank Notices
- Stop a payment
- Secure messaging and service requests
- Change your address
- Report a lost or stolen debit card
- And more!
How do I sign up or enroll for Online Banking?
View our easy How to Video.
Click here to begin the enrollment process, then just follow the prompts.
I forgot my Online Banking User ID and/or password. How do I reset them?
If you forgot your Online Banking User ID, view our easy How to Video or click here and follow these steps:
To reset your Online Banking Password, view our easy How to Video or click here and follow these steps:
How do I transfer money between accounts at Dedham Savings?
View our easy How to Video or follow these simple steps:
- Log in to Online Banking or Mobile Banking
- In Online Banking: Click on Move Money, Transfer and follow the prompts.
- In Mobile Banking: Tap Transfers at the bottom of the screen. Tap Make Transfer and follow the prompts.
How do I transfer money between banks?
View our easy How to Sheet or How to Video.
What are the limits for External Transfers?
There is a $1,500 daily and $3,000 monthly dollar limit for external transfers. Higher dollar limits can be requested by Contacting Us.
Is there a fee for External Transfers?
No.
Can I transfer funds internationally?
No.
When will my external transfer be available?
Standard transfers are processed within 2 business days if submitted by 6:00 p.m. (ET)
How much account history is available inside Online Banking?
You can access up to 13 months of account history inside Online Banking.
How do I view an image of a cashed check?
- Login to Online Banking
- Click the account for which a check was cashed
- Scroll through the history to the check transaction and click on the camera icon next to the check number, and a pop up window will display the cashed check image and details
How do I stop a check payment?
- You can complete a stop payment yourself inside Online Banking by following these steps:
- Log in to Online Banking.
- On the Self Service tab, click on Stop Payment
- Follow the prompts on the screen
- You can also complete a stop payment by contacting us during business hours.
How do I sign up for Online Statements (eStatements) & Documents (eDocuments)?
Learn more about Online Statements with our easy How to Sheet or How to Video.
How many months of eStatements & eDocuments are available in Online Banking?
- You can access up to 18 months of eStatements & eDocuments at any given time in Online Banking.
- To maintain a longer history for yourself, you may print or save these to your own computer.
- To View, Print or Save an eStatement or eDocument,
- Be sure you are signed up for eStatements & eDocuments
- Under Accounts, click on Online Documents
- You’ll see individual tabs for Statements, Notices, and Tax Forms
- You can now view, print or save as needed
How do I set up account Alerts in Online Banking?
- Login to Online Banking
- In the top bar, click on Self Service
- Select Alerts
- Select Account Alerts and the account for which you’d like manage Alerts for
- You can receive Alerts about your balance, transfers, deposits, stop payment, and CD Maturity
- On the type of Alert you’d like to receive, select the Edit icon, fill out the required fields and hit Update
- Green check marks indicate a subscribed Alert
- At the top of the Alerts screen you can also manage Service Alerts about any address changes, email changes, password changes and more!
How do I sign up for Zelle?
Zelle is available in the Mobile Banking app and Online Banking.
-
Pay Loan | Easy Pay
What loans can I pay using Loan Easy Pay?
You can pay any Dedham Savings mortgage, consumer loan, home equity loan, or commercial loan.
What loans cannot be paid using Loan Easy Pay?
At this time, you cannot use Loan Easy Pay to pay your PRA-CheckProtec. If you have questions about paying a loan with Loan Easy Pay, please call us at 1-781-329-6700 Ext 7391.
What information do I need to make a loan payment?
To make a payment with Loan Easy Pay, you will need a copy of your loan billing statement, which should provide you with this required information:
- Account/Note number as it appears on your statement, excluding the first two zeros
- 5 digit mailing zip code as it appears on your statement
- The Checking Account number and Routing Number of the financial institution you wish the funds to be withdrawn from. (If you are paying from a Dedham Savings account, the Routing Number is 211371722)
When will payments be posted to my loan?
Payments scheduled by 6:00 p.m. Eastern Time on any business day will be posted to your loan account on the same business day. Payments scheduled after 6:00 p.m. Eastern Time or on non-business days will be posted to your loan account on the next business day.
How will payments be applied to my loan?
All payments made through Loan Easy Pay will be applied as a regular payment to your loan account, according to your Loan Note. If you have questions about how the payment will be applied to your loan, please review your Loan Note, or contact us at 781-329-6700 Ext 7391.
Can I pay extra toward my principal balance?
Provided you do not have any outstanding amounts due, you may elect to pay extra toward your loan balance by choosing the Principal Pay option.
Can I pay extra toward my escrow balance?
Provided you do not have any outstanding amounts due, you may elect to pay extra toward your escrow account by choosing the Escrow Pay option.
Can I set up recurring loan payments?
Yes, if you elect to enroll in the service, by establishing a User ID and Password, you can set up recurring loan payments using our Loan Easy Pay – Enrolled Customer option.
Will I need to enter my payment information each time I make a loan payment?
No. If you enroll in Loan Easy Pay – Enrolled Customer by creating a User ID and Password your payment information will be stored, eliminating the need to re-enter the data with each payment.
Can I use Loan Easy Pay at any time?
Yes, this service is available 24 hours a day. You can schedule a loan payment any time at your convenience.
What browsers are currently supported by this Service?
Most of the currently used browsers can be used for this application, however we would recommend that you use the most up-to-date version.
How is information sent or received using Loan Easy Pay encrypted for security purposes?
The highest level of encryption is used for any financial transaction that is being submitted to our bank and processor.
How can I get help if I am having trouble using Loan easy Pay?
You can reach us during business hours at 781-320-1493 or 781-355-7391 or email us at [email protected]
-
Personal Finance
View our easy How To Sheet
Learn more about Personal Finance with our easy How to Sheet.
What can I do/learn with Personal Finance?
- See all your financial accounts in one place
- Create and manage budgets
- Understand your spending
- Set and keep track of goals
- Know your net worth
- Get notifications and reminders
How do I sign up for Personal Finance?
Personal Finance is available in our Online Banking and Mobile Banking services. To sign up, follow these steps:
- Online Banking – once you’ve signed up for Online Banking on our website, just login and you’ll see an Enroll in Personal Finance message. Click Get Started and follow the prompts to enroll. Then, just begin adding your accounts from other financial institutions (your Dedham Savings accounts will already be included), set up budgets, and more.
- You can also select Tools and Personal Finance. Read and accept the Personal Finance Agreement and click Enroll.
- Mobile Banking – Download the Dedham Savings mobile app on your phone and log in to the mobile app. You should see the Personal Finance link below your accounts, or you can also click More at the bottom of the screen, then click on Personal Finance. You can begin adding your accounts from other financial institutions (your Dedham Savings accounts will already be included), set up budgets, and more.
How do I add accounts from other financial institutions?
- Online Banking – sign in to Online Banking and click the Tools tab and then Personal Finance. On the right side of the screen, click the “+ Add an Account” button. Search for the name of your other financial institution and follow the prompts to enter your login credentials at that institution. This will allow your other account(s) to appear in Personal Finance. Continue adding other accounts, loans, credit cards, etc, so you get a complete financial picture and can also track your net worth.
- Mobile Banking – sign in to the mobile app and click the Personal Finance link below your accounts. On the right side of the screen, click the “+ Add an Account” button. Search for the name of your other financial institution and follow the prompts to enter your login credentials at that institution. This will allow your other account(s) to appear in Personal Finance. Continue adding other accounts, loans, credit cards, etc, so you get a complete financial picture and can also track your net worth.
Do I have to add my Dedham Savings accounts to Personal Finance myself?
No! Your Dedham Savings accounts and loans should automatically be included in Personal Finance.
-
Zelle
View our easy How To Sheet or How to Video
Learn how to use Zelle with our easy How To Sheet.
Learn more about Zelle
Learn more about Zelle with our detailed FAQ page.