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  • 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 Customer Service
    • On the right, under Account Services, click on Order Checks
    • 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 Customer Service tab, click on Stop a check
      • 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 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 customer.

    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

    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, if you DON’T have a Make Payments tab at the top of the page:
      • Click on the Customer Service tab at the top of the page
      • Under Account Maintenance, click on Change User Profile
      • Click on Your Link with Bill Payment
      • This should cause a Make Payments tab to appear at the top of the page; see next steps below
    • When logged in, and you DO have a “Make Payments” tab at the top of the page:
      • On the Accounts tab, click Pay Bills
      • Review the disclosures and click I Agree
      • Choose the account you would like as Default and Submit
    • You are now ready to pay bills. Click on Make Payments and set up your first Payee to pay a bill.

    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?

    • Login to Online Banking
    • Click on Make Payments
    • Future Payments
      • Find the payee you want to make payment to
      • Fill in the amount you want to pay
      • Click on the calendar and choose the future date to send on and delivery by
      • Click Pay button
      • For future payments, funds come out of your account on the date the payment is sent
    • Recurring payments
      • Click on the name of the payee you want to create recurring payments for
      • Click Pay Automatically 
      • Select Pay automatically at regular intervals
      • Complete all fields
      • Click Save Changes

    Why can’t I edit my payee’s address?

    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?

    • If you have a Dedham Savings Checking Account, you can transfer from your Checking to pay your Dedham Savings Mortgage.
    • In order to complete online transfers between accounts, you will first need to contact us to complete a Transfer application.
    • When you contact us about setting up Transfer capability, we’ll help you with this form Transfer Authorization Form.
    • Once you have received approval, log in to Online Banking or Mobile Banking.
    • Click on Transfer Funds and follow the prompts.
  • 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, and also require a parent to be on the account.

    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.

    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.

    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 customer card data is stolen from them. When we are notified by a merchant that our customer Debit Card data may have been stolen from them, we work quickly to protect our customers. We typically reduce available transaction amounts on the compromised cards and notify customers. We then reissue a new card to affected customers, and the new card has a new card number and expiration date. Once the new PIN and the new card are 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.

  • Mobile Banking & Mobile Deposit

    What can I do with Mobile Banking?

    Just like Online Banking, Mobile Banking is an easy, free, secure way to bank with us 24/7. Using your smartphone, and the Dedham Savings mobile app, you can:

    • View your account balances & review transactions
    • Transfer funds between accounts
    • Access Bill Pay
    • And more!

    How do I sign up (or enroll) for Mobile Banking?

    • Sign up for and login to Online Banking on a computer.
    • Download the free Dedham Savings mobile app at the Apple Store for iPhone or Google Play for Android.
    • Use your Online Banking credentials to log in to Mobile Banking.

    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 90 days of account history in Mobile Banking; to view up to 13 months of account history, login to Online Banking.

    How do I deposit a check with Mobile Deposit?

    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 $5,000 per check or per day, and up to $10,000 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.

    How much and how often can I deposit checks using Mobile Deposit?

    Accounts typically include these standard check deposit amounts:

    • Per Check:  $5,000
    • Per Day:       $5,000
    • Per Week:   $10,000 (5 consecutive days)

    How do I endorse the back of a check for Mobile Deposit?

    Endorse the back of your check with your signature and “For Mobile Deposit 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.

    What should I do if I lose my phone, in order to keep my accounts secure?

    • Contact us to report your phone is lost and to discuss account security
    • Login to Online Banking
    • In the left-hand gray sidebar, click on Manage Mobile Banking Settings
    • Delete your lost mobile phone shown on the screen

    What do I do if I change phones?

    • Login to Online Banking
    • In the left-hand gray sidebar, click on Manage Mobile Banking Settings
    • Delete your old mobile phone shown on the screen, and add your new mobile phone
    • On your new phone, download the Dedham Savings mobile app, and login with your regular credentials.

    How do I transfer money between accounts?

    • In order to complete online transfers between accounts, you will first need to contact us to complete a Transfer application.
    • When you contact us about setting up Transfer capability, we’ll help you with this Transfer Authorization Form.
    • Once you have received approval, log in to Online Banking or Mobile Banking
    • Click on Transfer Funds and follow the prompts.
  • 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?

    Absolutely. If you have a Dedham Savings Checking Account, you can transfer from your Checking to pay your Dedham Savings Mortgage. Just follow these steps

    • In order to complete online transfers between accounts, you will first need to contact us to complete a Transfer application.
    • When you contact us about setting up Transfer capability, we’ll help you with this Transfer Authorization Form.
    • Once you have received Transfer approval, log in to Online Banking or Mobile Banking
    • Click on Transfer Funds and follow the prompts to complete your transfer payment.

    Can I pay my Mortgage or Loan bill electronically from another bank?

    • Yes! Just add Dedham Savings as a Payee in your other bank’s bill payment service. Be sure to use the address on your payment stub as well as your loan number to assure the payment is processed correctly.
    • We can also assist you with setting up an automatic payment transfer (Autopay/ACH agreement). Contact the Loan Servicing Department at 781-329-6700 or 800-462-1190

    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?

    • In order to complete online transfers between accounts, you will first need to contact us to complete a Transfer application.
    • When you contact us about setting up Transfer capability, we’ll help you with this Transfer Authorization Form.
    • Once you have received approval, log in to Online Banking or Mobile Banking
    • Click on Transfer Funds 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?

    You can open many accounts right from our website. If online account opening is available for the account you would like, you will see an Open an Account button on that web page. 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.

    I started the process for Online Account Opening and need to complete it. How do I do that?

    • Once you have submitted your online account application, we will make small deposits into your existing account at another bank. This is a security step that helps us further verify your identity and keep you safe online.
    • In order to finish your application, you will need to tell us the exact amount of these two micro deposits.
    • Click this link to complete the verification process and follow the prompts to finish opening your account:
  • Online Banking

    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
    • Request Stop Payments
    • And more!

    How do I sign up or enroll for Online Banking?

    Click here to begin the enrollment process, then just follow the prompts.

    I forgot my Online Banking password. How do I reset it?

    • On our website homepage, in the Online Banking login box, enter your User ID and click enter.
    • At the bottom of the screen, click on Forgot your password? and follow the prompts
    • If you still need assistance after completing this process, please contact us during normal business hours at 781-329-6700. After hours, contact our 24-hour support line 888-289-0342

    I forgot my User ID. How do I reset it?

    Contact us for help with resetting your User ID.

    How do I transfer money between accounts?

    • In order to complete online transfers between accounts, you will first need to contact us to complete a Transfer application.
    • When you contact us about setting up Transfer capability, we’ll help you with this Transfer Authorization Form.
    • Once you have received approval, log in to Online Banking or Mobile Banking
    • Click on Transfer Funds and follow the prompts.

    How much account history is available inside Online Banking?

    You can access up to 13 months of account history inside Online Banking, and 3 months of history in Mobile 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 history to the check and click on the camera icon next to the check number, and a pop up window will display the cashed check image

    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.
      • If you have a Make Payments tab at the top of the page, you can proceed with the following steps. Otherwise, click here to get this tab.
      • On the Customer Service tab, click on Stop a check
      • 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 (or eStatements)?

    • 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

    How many months of eStatements are available in Online Banking?

    • You can access up to 18 months of eStatement history 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, please sign up for eStatements.
    • To VIEW a Statement
      • Login to Online Banking
      • In the left gray bar, click on Statements
      • Find the account for which you would like to view statements, and click on either Last Statement or All Statements
    • To PRINT a Statement
      • Once you have opened the statement you would like to review, click Print/Save at the top of the page
      • Click the printer icon to print out statement
    • To SAVE a Statement
      • Once you have opened the statement you would like to review, click Print/Save at the top of the page
      • Click the down arrow (Download) icon at the top of the page
      • A dialog box opens; give the file a name (such as statement month and year) and choose the file you would like to save to
      • Click Save

    How do I set up account Alerts in Online Banking?

    • Login to Online Banking
    • In the top bar, click on Customer Service
    • Under Contact Options, click Add an Alert
    • Select the account for which you’d like to add an Alert
    • You can receive Alerts about your balance, transfers, deposits, and CD Maturity.