FedFinancial Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are committed to accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 301-881-5626 and we will be happy to assist you. All products and services available on this website are available at our branch and over the phone.


SpendFlex is Here

A Better Buy Now, Pay Later Solution

Watch our SpendFlex Q&A

Same debit card, more flexible payments

  • Use your debit card whenever and wherever you shop
  • Manage your budget by spreading larger expenses over time
  • Review and manage all plans, offers, and payments in one place

Here's how it works!

  • Make purchases with your debit card
  • Go to the SpendFlex section of your FedFinancial online banking or mobile app dashboard
  • View available SpendFlex offers on eligible purchases
  • Decide which purchases you would like to split over time
  • Select the installment plan that works for you
  • See your purchase amount deposited back to your account within 24 hours

Frequently Asked Questions

  • Where can I find my SpendFlex offers?
  • Why can't I see any SpendFlex offers?
    • If you do not see SpendFlex offers, this may be because your current account status or your recent debit card purchases are not eligible for SpendFlex. If you already have active SpendFlex plans, you may not be eligible for additional offers until the active plans are paid back.
  • What is an eligible purchase?
    • An eligible purchase is a debit card purchase made in the past 90 days that is at least $80 and was not a cash or cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance, etc.). Other restrictions surrounding the merchant type and transaction limits may affect SpendFlex eligibility.
  • Does SpendFlex require a credit check?
    • No, FedFinancial's debit card SpendFlex offering does not require a credit check.