Neighborhood Credit Union

FAQs


Online Banking

How do I enroll in Online Banking?

As a first-time user you will login to Online Banking using the following credentials:

  • username: account/membership number
  • temporary password: the last 4 digits of the primary member’s Social Security Number. Click login and you will then be prompted to change your password. Verify your contact information and you are now enrolled!

You can also enroll in Online Banking through the MyNCU Mobile App! After downloading and opening the app on your mobile device, press Sign Up at the bottom left of your screen. Download the iOS app here, or the Android version here.

How do I change my PIN number?
You may customize your PIN number within Online Banking by starting a Secure Chat and Email or by selecting Secure Email Form with the last four digits of the card number and the current PIN under ‘Additional Services’. You may also customize or change your PIN by visiting one of our branch locations.
Can I order checks online?
Yes, you can order and reorder checks by clicking on ‘Deluxe Check Ordering’ to order. This service provides a safe, secure and user-friendly environment to customize your check style, print style and imprint style.
Can I view check images?
Yes, view the front and back of your processed checks immediately with our free, new Online Check Images service.

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Mobile Deposit

What is MyNCU Mobile Deposit?
MyNCU Mobile Deposit gives you the freedom to securely deposit checks anytime and anywhere using the MyNCU Mobile Banking App, saving you time and giving you faster access to your money.
Where can I download the MyNCU Mobile App?
Neighborhood Credit Union is excited to offer a mobile banking app in an iOS version and an Android version.
How do I sign up for Mobile Deposit?
If you have a Neighborhood checking account and are registered for online banking, Mobile Deposit is already available in your App to qualified members. You will be prompted to accept the terms and conditions.
When can I start using Mobile Deposit?
After 30 days of opening an account.
What if I can’t see Mobile Deposit in my App?
Download the latest, updated version of the App from the App Store or Google Play. If you still do not see it, please call Member Services at 214.748.9393. Some exclusions apply.
Is there a fee to use Mobile Deposit?
No, Mobile Deposit is free.
How should I endorse the check?
Please sign your name as the payee and include the words “For Mobile Deposit” on the check. PLEASE NOTE: If the back of the check is not properly endorsed we reserve the right to reject the check for deposit.
What accounts can I deposit my check into?
As long as you have a checking account, you can deposit checks into your checking or savings accounts.
What types of checks do you not allow?
Third-party checks, checks issued outside the US, incomplete and post-dated checks. Savings Bonds, Traveler’s checks and Money Order are also not accepted and other restrictions may apply.
How soon will funds be available?
Deposits into Checking accounts will have a 2-business day hold on the deposit amount over $200. Deposits into Savings accounts and Shared Branching accounts will have a 7-business day hold. All other conditions for Shared Branching apply.
What are my deposit limits?
Deposit limits vary from $500-$2,000.
How do I know if my deposit went through and was accepted?
Use the option to send yourself an email confirmation at the end of the deposit. Then, log out and back on to your Mobile App to confirm the transaction. If your check is not accepted, you will receive a notification call or email.
What should I do with the check once it has been scanned?
Once you have deposited your check via Mobile Deposit, securely store it for 15 days before destroying it.

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Additional questions? Feel free to contact Member Services at  214.748.9393

Text Banking

How secure is Text Message Banking?
Text Message Banking service is secure. You can activate the service only after logging into our online banking site. Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers.
Will I be charged for Text Message Banking?
We won’t charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages.
Will Text Message Banking work on my phone?
Yes, our Text Message Banking service works on all major mobile providers in the U.S. Please check with your mobile carrier if you are unsure.
How do I deactivate the Text Message Banking service?
You can text back “stop” to 454545 on your activated cell phone, or you can return to the mobile banking page and click the deactivate link next to your mobile device number. Your phone will no longer receive any text messages from Mobile Banking. You can add a new phone at any time if you change your mind later.
Why do I need to verify my phone?
Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.
Where do I find my activation code?
During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, check your mobile device now. You should receive a text message with your activation code within a few minutes.
I still have not received my code, what do I do?
It might take several minutes to receive your code. If you feel you have waited long enough you can click the “resend code” link. Please check your mobile device shortly for a new text message. If you are still experiencing problems be sure you entered in the correct mobile number during setup.
What is a primary text banking account?
Your primary account is the default account that we will use when you text BAL to 454545. You should select the one you will likely want to check the most often. You can get all account balances by texting BAL ALL to 454545.
Can I get the balances of all my other accounts?
Yes – when you text “BAL ALL” to 454545, we will reply with a message containing the balances of all your checking, savings and credit card accounts.
Can I change the primary text banking account later?
Yes you can. Simply return here to the mobile banking page and select the edit link next to your primary bank information.
Are there any shortcuts for the keywords?

Yes. The keywords are:

  • HELP = Help on keywords
  • BAL = Primary account balance
  • BAL CHK = Checking account balances
  • BAL SAV = Saving account balances
  • BAL ALL = All account balances
  • LAST = Last 5 transactions
What is the number I should send keywords to?
The short code is 454545. This short code will only work if you have activated the Mobile Text Banking Service.
How long does it take to get a text message?
You’ll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.
Is there any password needed for Mobile Text Banking?
You don’t need a password to access your account information via text message.
I have a new mobile phone number. Can I change or add my number online?
Yes, you first need to deactivate your cell phone and add your new cell phone number. You can do this within alerts and mobile set up.

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Kasasa Checking

What is Kasasa?
Kasasa, a national brand, is a new way to bank that puts you first, partnering with only credit unions and community banks. Kasasa offers free checking and savings accounts with rewards you actually want, like really high rates, cash back & digital downloads.
What do your Kasasa checking accounts offer if I meet the monthly qualifications?
Earn 2.50% APY* high-yield interest (Kasasa Cash), $5 monthly refund credit for iTunes or Amazon** (Kasasa Tunes), Receive a one-time $25 refund credit for iTunes or Amazon (Kasasa Tunes), Unlimited free nationwide ATM withdrawal fee refunds* (Kasasa Cash & Kasasa Tunes).
Are Kasasa checking accounts free?
Yes, Kasasa Cash and Kasasa Tunes are both free.
Why am I required to have eStatements?
eStatements allow the credit union to save operating expenses. We are passing these savings on to you as a member with these new checking account benefits.
What are the debit card requirements for the accounts?
Fifteen (15) individual or combined debit card or credit card transactions of $5.00 or more post and settle per qualification cycle (excluding ATM transactions). Transactions may take one or more banking days from the date transaction was made to post to and settle an account.
Can I still write checks?
Yes, you can still write checks. There are no limits to the amount of checks you can write per month. Plus, there are no per check item fees.
What is a Monthly Qualification Cycle?
The period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.

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eStatements

What are the advantages of eStatements?
eStatements are fast (view your statement as soon as it’s available from within Online Banking), secure (keep people from obtaining your personal information from out of your mailbox), convenient (print or save statements to review when you need them).
If I would like to receive a paper statement, is there a fee?
Yes, there is a fee of $1.95 per mailing.
How do I opt-in to receive eStatements?

To opt-in, please follow these 4 steps:

1. Login to Online Banking
2. Select the eStatements tab.
3. Update your settings to start receiving free eStatements.
4. Click to place a checkmark in the box next to your member number to discontinue paper statements.

Not enrolled in Online Banking yet? Easily enroll here or follow these step-by-step instructions.

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MyNCU Rewards

What is MyNCU Rewards?
The free MyNCU Rewards program allows you to earn cash at retailers you already know and love, once you activate the special offers as they become available through Online Banking or the MyNCU Mobile App.
How do I activate MyNCU Rewards offers?

Cash-back reward offers will be available for you to activate through Online Banking or MyNCU Mobile App regularly so make sure to check back there often.

  • Once in Online Banking or your app, simply click to select the Reward offers you want to use.
  • Visit the retailers you’ve selected and make the purchase using your debit card.
  • Your cash-back earned will automatically credited to your account in about a month!

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NCU@Work

What is NCU@Work?
NCU@Work is an exclusive benefits program that offers special banking incentives and customized financial education for your employees.
What is the cost to offer NCU@Work to my employees?
That is the best part- it is a FREE benefit for your employees and there is NO cost to you. Neighborhood Credit Union will provide all materials such as brochures, posters and giveaways.
How can I offer NCU@Work to my employees?
Your employees can start benefiting from NCU@Work when your company becomes a Select Employee Group (SEG) partner with Neighborhood Credit Union.
What is an SEG Partner?
An SEG is a company that has partnered with Neighborhood Credit Union to offer their employees our exclusive credit union benefits.
How does my company become an SEG Partner?
It’s simple! Visit myncu.com/NCU@Work or contact a representative at SEG@myncu.com to complete a SEG form.

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Additional questions? Feel free to contact Member Services at  214.748.9393

Switching to Neighborhood Credit Union

How do I switch my direct deposit to my NCU account?
Use the Direct Deposit Form to notify each employer with whom you have direct deposit arrangements. Include a voided Neighborhood Credit Union check or deposit slip for account verification. You can also use the Direct Deposit for any other incoming automatic deposits.
How do I switch my automatic payments or withdrawals to NCU?

Contact companies that receive an automatic payment from your checking account such as your car insurance, utilities provider, insurance payments, etc. If needed, complete and send the Change Automatic Payment Form along with a voided Neighborhood Credit Union check or deposit slip to notify these companies.

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Bill Pay

What is an E-bill?
An E-bill (electronic bill) is an electronic version of a paper bill that you can view online through Online Bill Pay.
How does electronic billing work with Online Bill Pay?

Online Bill Pay lets you make payments and receive and pay bills online through your Financial Institution. You can make payments to anyone, anytime, anywhere in the United States, from your mortgage lender to your newspaper carrier. The only payments you cannot make through your bill payment service are court-ordered payments and state and federal tax payments.

Electronic billing lets you receive electronic bills (E-bills) online through Online Bill Pay. Some payees are able to send E-bills to their customers. If you add a payee that is E-bill-capable, you have the opportunity to request E-bills from the payee.

Once your request has been authorized, you’ll receive an E-bill from the payee within a month or so, depending on the payee’s billing cycle. You can pay the E-bill directly, and you can continue to make single payments to the payee whenever needed.

Is an E-bill the same as a mailed bill statement or invoice?
An E-bill is a statement or invoice in an electronic format. E-bills typically contain the same information as your mailed bills.
How do I receive E-bills?
You can receive E-bills from payees that are E-bill-capable. Once you request E-bills from a payee and the request is processed, you should receive a message stating that your E-bill service has been activated. E-bill service requests are usually processed within two weeks. New E-bills appear on the E-bills page as either paid or unpaid.
How long does it take to receive E-bills from a payee?
It may take up to two weeks for the payee to process your request for E-bills. Once your request has been accepted, it may take a month or more, depending on the payee’s billing cycle, before you begin receiving bills electronically.
How do I know when I receive a new E-bill?

The Unpaid E-bills page lists your new E-bills. A notice also appears on the Online Banking Home page to let you know when new E-bills arrive.

If you are waiting for an E-bill service request to be processed, check Messages periodically for a notice stating that your E-bill service has been activated for the payee. The time it takes to receive the first E-bill depends on the payee’s billing cycle.

Will I still receive a paper copy of the bill through U.S. mail?
It depends on the payee. Some payees stop sending a paper bill and only send an E-bill to your Online Bill Pay account. Other payees continue to send paper bills through U.S. mail in addition to an E-bill to your Online Bill Pay account.
Can I store or view paid E-bills?
You can view paid E-bills by going to E-bills and then clicking Paid E-bills. You can always use your browser’s print feature to print the bill if you want to keep long-term records. You can also view an E-bill for which you have a scheduled or canceled payment. However, you cannot view deleted E-bills.

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How do I pay E-bills?
You can pay one or more E-bills from the Unpaid E-bills page. For more information on paying E-bills, go to the help on the E-bills page. As with all Online Bill Pay payments, you control the payment amount and payment date.
How long does it take to receive E-bills from a payee?
It may take up to two weeks for the payee to process your request for E-bills. Once your request has been accepted, it may take a month or more, depending on the payee’s billing cycle, before you begin receiving bills electronically.
How do I know when I receive a new E-bill?

The Unpaid E-bills page lists your new E-bills. A notice also appears on the Online Banking Home page to let you know when new E-bills arrive.

If you are waiting for an E-bill service request to be processed, check Messages periodically for a notice stating that your E-bill service has been activated for the payee. The time it takes to receive the first E-bill depends on the payee’s billing cycle.

Will I still receive a paper copy of the bill through U.S. mail?
It depends on the payee. Some payees stop sending a paper bill and only send an E-bill to your Online Bill Pay account. Other payees continue to send paper bills through U.S. mail in addition to an E-bill to your Online Bill Pay account.
Can I store or view paid E-bills?
You can view paid E-bills by going to E-bills and then clicking Paid E-bills. You can always use your browser’s print feature to print the bill if you want to keep long-term records. You can also view an E-bill for which you have a scheduled or canceled payment. However, you cannot view deleted E-bills.
How do I pay E-bills?
You can pay one or more E-bills from the Unpaid E-bills page. For more information on paying E-bills, go to the help on the E-bills page. As with all Online Bill Pay payments, you control the payment amount and payment date.
Can I pay E-bills automatically?
Auto-Pay is an optional feature available for many payees that can send E-bills. If Auto-Pay is available, you can set it up when you add an E-bill-capable payee and sign-up for E-bills. If available, you can also add Auto-Pay later by changing the payee information from the Payee Setup – Payee List page.
Can I pay E-bills outside of Online Bill Pay?
Yes, you can pay an E-bill by some other way (by check, for example). If you pay the E-bill by some other method, you can delete the unpaid E-bill from the Unpaid E-bill page. Once you delete the E-bill, you cannot view the bill or bill statement again through Online Bill Pay. Unpaid E-bills are never deleted automatically by Online Bill Pay. You can also print a copy of the E-bill for your long-term records using your browser’s print feature.
Can I make more than one E-bill payment at the same time (can I combine payments going to the same payee)?
No, for the E-bill payment to work properly, you must pay each E-bill individually.
Can I pay someone else’s E-bills?
No, the bill must be in your name or your spouse’s name.

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What is a payee?
A payee is any company, service, or individual you make payments to. Payees can be anyone who bills you, such as your phone company or credit card, or individuals, such as your landlord or newspaper carrier.
Who can I pay using my bill payment service?
You can pay anyone in the United States that you would normally pay by check or automated debit, except state or federal tax payments, or court-ordered payments.
Do I need to contact the payees I decide to pay with Online Bill Pay?
No, you do not need to contact your payees if you use this service. Online Bill Pay sends each of your payments with your payee account number and payee information, so the payees are able to credit your account appropriately.
Can I add the same payee to my payee list more than once?
Yes, you can add the same payee to your payee list more than once. You can add multiple payee accounts for the same payee as long as you have different payee account numbers. For example, if your phone company provides your home phone service and your cellular phone service, you can add the company as a payee twice by entering a different account number each time.
How do I find out if my payee sends E-bills?
You can easily find out if your payee sends E-bills while you are adding the payee or after you have added a payee. When you add a payee that is E-bill-capable, Online Bill Pay will automatically ask you if you want to receive E-bills. You can also click a link on the Payee Setup – Add Payee page to view a list of all payees that can send E-bills. If a payee you have added to your payee list can send E-bills, the Sign Up link appears in the E-bills column on the Payee Setup – Payee List page. Click this link to request E-bills. The payee may take a couple of weeks to process your request to receive E-bills.

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How do I request E-bills from one of my payees?
If a payee in your payee list can send E-bills, the Sign Up link appears in the E-bills column on the Payee Setup – Payee List page. Click this link to request E-bills. Remember, the payee may take a couple of weeks to process your request.

If you want to find out if a payee not in your list can send E-bills, try adding the payee. When you add a payee that is E-bill-capable, Online Bill Pay will automatically ask you if you want to receive E-bills. You can also click a link on the Add Payee page to view a list of all payees that can send E-bills. The symbol next to a payee’s name indicates you can request E-bills from the payee.

Tip: Online Bill Pay is always updating the list of payees that can send E-bills! If you added a payee that cannot send E-bills and later you notice that the payee can send E-bills, just click the Sign Up link next to the payee name in your payee list.

What if my request for E-bills is rejected?
You can try to request E-bills again and make sure to enter your information (especially your account number) completely and accurately.You can also contact the payee to see if they can explain why they cannot send you E-bills. For example, some payees cannot send E-bills to customers in certain areas of the country.
What happens if I delete a payee who sends me E-bills?

When you delete a payee who sends you E-bills, Online Bill Pay automatically removes the payee from your payee list, sends a message to the payee and asks them to stop sending E-bills. You can no longer pay any unpaid E-bills listed in the Unpaid E-bills page for the deleted payee; therefore it is advisable to pay unpaid E-bills before deleting the payee.

It is also possible, due to the payee’s billing cycle, that you may receive an E-bill after you have deleted the payee. If you receive an E-bill after you have deleted the payee, you can add the payee again (without requesting E-bills) and make the payment from the Make Payments page, or you can pay the bill through U.S. mail.

How can I stop receiving E-bills from a payee?
To stop receiving E-bills from a payee, go to Payee Setup, and then click View/Change next to the payee. Select Click here to discontinue E-bill service. The payee is notified to stop sending E-bills. However, you may receive an E-bill after canceling E-bill service due to the payee’s billing cycle. Make a payment to the payee from the Make Payments page to cover the E-bill or make the payment by some other means.
I chose to stop receiving paper bills from a payee and now I want to start getting my bills mailed to me again. How do I do that?
If you are currently receiving E-bills, and no corresponding paper bill, from a payee, you can start receiving paper bills again by canceling E-bill service for that payee.
I want to stop being prompted to only receive E-bills and not receive paper bills every time I pay an E-bill. How do I do that?

There are two ways to stop seeing the prompts to only receive E-bills and not receive paper bills. Do one of the following:

When you are in the process of paying an E-bill, you can answer Yes to the questions to stop receiving paper bills.
You can change the settings for the payee. Go to Payee Setup, select the name of the payee you want to change, and look in the Stop Receiving Paper Bills section for the available options. Note: Some payees automatically stop sending you paper bills when you sign up for E-bills, so this prompt might not appear for every payee that you receive E-bills from.

What happens if I choose to stop receiving paper bills?

When you choose to stop receiving paper bills from a payee and you agree to the payee’s Terms and Conditions for receiving E-bills, Online Bill Pay takes care of notifying the payee to stop sending you paper bills in the mail. It can sometimes take up to a month to stop receiving paper bills, depending on the payee’s billing cycle for your account.

Online Bill Pay will notify you electronically when you have an E-bill, either by sending you a message or displaying a message when you sign in to Online Bill Pay. Check the settings on the Payee Setup page to see if Online Bill Pay can also send you E-bill summaries by e-mail for this payee.

After you receive notification that you have a new E-bill, you can pay the E-bill through Online Bill Pay, which saves you time and money, and helps the environment by eliminating paper bills.

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The amount for an E-bill seems incorrect. What should I do?
If you have questions about an E-bill, please contact the payee directly. All information on the E-bill comes directly from the payee, the same as when they mail you a paper bill. Remember that you control the payment amount when you pay the E-bill. If an E-bill amount is incorrect, make sure to contact the payee to avoid any late charges. Look on your last bill for the payee’s customer service phone number.
My E-bill is late. What should I do?
If your normal billing cycle has passed and you still have not received your E-bill, contact your payee. Payees deliver E-bills much like they deliver your paper bills. Depending on billing cycles, the exact day you receive your bill each month may vary. Also remember that it can take over a month before you receive your first E-bill from a payee. Look on your last bill for the payee’s customer service phone number.
How does a payee receive my money?
Online Bill Pay determines if the payment will be made electronically or by check, based on whether the payee accepts electronic payments and other guidelines. For example, some payees, such as individuals, cannot receive electronic payments, so a check is printed and sent to the payee. Whether a payment is made electronically or by check, the payment is processed to reach the payee on time.
What is printed on the paper checks you send?
The paper checks display the same information that you complete on the Make Payments page. This information includes: your name and account number, payee name and account number, payment amount, date, and in some cases, your payment account number.
When does a payee receive my payment?
The payee should receive the payment on the due date. It may take the payee a little longer to credit the payment to your account.
When is the money for the payment drawn from my payment account?
If the payment is sent electronically, the funds for the payment clear your account on the due date. Otherwise, funds clear your account when the payee deposits or cashes the check. Keep in mind, however, that you should always have funds available to cover the payment on the scheduled payment date.
Can I make payments from more than one payment account?
Yes, you can make payments from more than one payment account. The account number you select when making a payment is the account your payments are withdrawn from.
Can I make international payments?
No, you cannot send a payment to a foreign address.
How far in advance of the due date should I schedule my payments?

When making a payment, the first available payment date allowed by Online Bill Pay is four business days from today. The payment date is the date that the payment is due. For example, if you have a bill due on the 15th of the month, go to Make Payments on the 11th of the month or earlier if the time period includes any weekends or holidays. This will allow you to schedule the payment date for the 15th. If you wait until after the 11th to schedule the payment, the payment date will have to be set later than the 15th and the bill payment may be late.

Scheduling pay dates sufficiently in advance of the due date on the bill allows enough time for the payee to receive the payment and credit it to your account.

Note: Whether the payment is electronic or sent by mail, payees may not always credit your account on the same day that they receive the payment. Allow for extra time in this situation so the payment is not considered late, or contact the payee.

What is the earliest payment date I can schedule for a payment?
You can schedule payment dates four business days from today or later. The earliest possible payment date is indicated on the E-bills and Make Payments pages. If you try to schedule a payment earlier, you are asked to reschedule the payment date at least four business days from the current date.
Why do you need four days to process a payment?
Four business days before a payment’s payment date, Online Bill Pay looks at your payment to determine how it should be processed. For example, Online Bill Pay needs to know if the payment is going to a payee that can accept electronic payments or if the payment should be sent as a check. After Online Bill Pay determines how to process the payment, you can no longer make changes to it; your changes could affect how Online Bill Pay would process the payment. The payee then receives the payment on the due date.
How do payments show up on my payment account statement?
When you receive your payment account statement, the payments made through Online Bill Pay usually appear as electronic withdrawals (similar to ATM withdrawals) even if Online Bill Pay sends a paper check to the payee. Note: In some cases the paper checks are drawn against your payment account. When this is the case, the payments will appear on your payment account statement just like your other checks.
Are repeating payments scheduled automatically?
Yes, payments are automatically scheduled based on the information you enter on the Make Payments – Repeating Payments page.

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What is Auto-Pay?
Auto-Pay is an optional feature available for many payees that can send E-bills. If Auto-Pay is available for an E-bill-capable payee, you have the option to select it. Auto-Pay automatically pays E-bills by scheduling the payment date in time for the payee to receive the payment by the E-bill’s due date. Auto-Pay pays the E-bill’s minimum amount due.

When you set up Auto-Pay, you can select to automatically pay the E-bill regardless of the payment amount, or you can select to set a limit on the amount automatically paid. Please note that entering an amount in the “Only pay the minimum amount due for E-bills if it is less than this amount” field means that the E-bills minimum amount due – not the amount you enter – will be paid if the minimum amount due is less than the amount you enter.

Why can’t I use Auto-Pay to pay all payees?
A payee must be able to send E-bills through this service and also have a system capable of receiving automatic payments. Online Bill Pay offers Auto-Pay for all payees who meet these requirements.
How do I turn on Auto-Pay?
If Auto-Pay is available, you can set up Auto-Pay when you add a payee, or you can add it later by changing payee information from the Payee Setup – Payee List page.
What happens if the amount due for an E-bill exceeds the maximum amount automatically paid?
If the minimum amount due for an E-bill exceeds the maximum amount set for Auto-Pay, Online Bill Pay does not automatically schedule the payment. You receive a message letting you know that the E-bill’s minimum amount due exceeds the maximum amount automatically paid. Make the payment through the Make Payments – Single Payments or Make Payments – Multiple Payments page or by some other means. If you think that the amount due is incorrect, contact the payee.
How do I change the maximum amount automatically paid for an Auto-Pay payment?
Go to Payee Setup, and then click View/Change next to the payee. In the Auto-Pay section, type a new amount in the Only pay E-bills for less than this amount box. Your changes are effective immediately.
I have an e-Bill on auto pay but it was paid late. Why?
If a payee sends an E-bill late and the actual due date is before the earliest available payment date (remember Online Bill Pay needs a few days to process payments), Auto-Pay schedules the payment for the earliest possible payment date. Please contact your payee if an E-bill arrives late and you are charged a late fee.

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American Consumer Council

What is the American Consumer Council (ACC)?
The American Consumer Council is a non-profit membership organization and is dedicated to consumer education, advocacy and financial literacy. There is no cost for Neighborhood Credit Union Members to join the American Consumer Council.
How much does it cost to join the ACC?
There is no cost for Neighborhood Credit Union Members to join the American Consumer Council.
As an NCU member, how can I join the ACC?
If you choose to join the American Consumer Council through Neighborhood Credit Union, we will provide the following enrollment information to ACC on your behalf: Your name, address, email address, and telephone number. Your participation in the ACC is strictly
voluntary and you will have the option to Unsubscribe or Opt-out of the quarterly email newsletter.

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Financial Software

How do I download my payment activity for use in financial software programs like Quicken or Money?

You can export information about your payment transactions into either a QIF (Quicken Interchange Format) file for Quicken® or an Active Statement file for Microsoft® Money.

  • Go to Payment Activity, and select one payment account from the Payment Account listing in the Payment Activity Search section. (Note: If you leave the default search criteria as All Accounts, an error message appears telling you to select one payment account from which to create the file.)
  • Click Search and the Payment Activity page updates to show only those payments associated with the selected account.
  • At the bottom of the page in the Financial Software Export section, select your Quicken or Money software version from the list.
  • Click Export and the File Download dialog box opens.
  • Select Save this file to disk and click OK.
  • Your browser opens a Save As dialog box that lets you specify the name of the file and the location where you want to save it. Select the location where the file should be saved, and click Save or the equivalent button. The file is saved on your computer.

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