eServices Guide

Bill Pay

Pay your bills online in seconds – free!* In fact, you can pay anyone from the electric company to the babysitter. You can even set up reoccurring payments so you’ll never be late on a payment again.

How to sign up:
  • Log in to Online Banking
  • Click “Bill Pay” within the green menu bar
  • Click on “Click here to sign up for Bill Payment” link
  • Complete the online form
  • Access Bill Pay within one business day or less
*Bill Pay is free for 120 days and then no charges thereafter with checking and paying at least one bill a month. If not, fees may apply. Restrictions apply. See credit union for full details.

e-Bills

An e-bill is an electronic version of your bill that you receive automatically within Bill Pay. It contains the same information on your paper or other electronic statement, but you can view and pay it within Bill Pay with just a click.
  • Manage your bills from one secure location
  • Set up automatic payment to never be late on a payment
  • Save money and time with the elimination of envelopes and checks
  • No need to store or shred confidential paper bills
  • e-bills can be saved directly to your hard drive, CD or memory stick
  • e-bills won’t get caught in your spam filter
  • Email alerts for bill arrivals, due dates and upcoming payments

How do I sign up?

  • Log in to Online Banking
  • Click “Bill Pay”
  • Click “set up e-bill” link which appears below the company name of an existing payee (not all companies are eligible for e-bills)
  • Follow the online instructions
  • You should begin receiving your bill online within 1-2 billing cycles

eStatements

This free service makes your monthly statements available to you electronically, helping you reduce clutter and learn about your account activity faster. Plus, eStatements are available through Online Banking and Mobile Banking, so you can rest easy knowing that your account information is secure.

How do I sign up?

* Message and data rates may apply from your wireless carrier. Must be enrolled in online banking to activate.

External Loan Payment

You can electronically pay your Neighbors Credit Union auto, home equity and miscellaneous loans payment(s) using a checking account or debit card1 from another financial institution!

It’s the quick, simple way to make your loan payment with funds from your other financial institution(s). Try it today!

Making your payment is easy! To do so:

  • Log in to Online Banking
  • Go to “Move Money” tab on the green menu bar.
  • Choose “External Loan Payments” from the drop down menu.
  • Enter information from external financial institution. (Neighbors Credit Union accounts are ineligible.)
  • Select eligible Neighbors loan(s) and enter payment(s) information.
  • Accept Terms & Conditions after reading.
  • Confirm payment.

1 Payments cannot be more than 30 times the amount due and are not to exceed $1,500. Fees may apply to payments made with a debit card. Restrictions apply. Contact Neighbors Credit Union for details.

* Message and data rates may apply from your wireless carrier. Must be enrolled in online banking to activate.

External Transfers

You have the flexibility and control to transfer money between your Neighbors Credit Union account and the accounts you hold with other financial institutions. Just log in to Online Banking and move your money with a few quick clicks.

How to sign up:

  • Log in to Online Banking
  • Click on “Move Money” on the green menu bar
  • Click on "External Transfer" on drop-down menu
  • Select "Transfer Between My Accounts"structions
  • Follow the instructions for setting up your transfer

Money Management

How to sign up:

Features

  • Tracking Outside Accounts Use Money Management to track accounts at multiple financial institutions and track your overall net worth!
  • Managing Your Debt Accurately and realistically calculate when you can pay off your debt, using tools that take all parts of your income into consideration.
  • Setting Financial Goals Stay motivated this year by setting goals for savings, retirement, debt payoff, and more! Your progress will be automatically tracked so you’ll have up to date information.
  • Categorizing Your Transactions Now, your bills will be categorized automatically with a success rate of approximately 90%. Also, you can create categories of your own!
  • Viewing Trends In Spending This convenient feature will show you trends over time so that you can identify and correct issues, as well as see your progress.
  • Sticking To Your Budget Easily create budgets, and visually track the progression of your spending with our Bubble Budget widget.

Mobile Deposit

Deposit checks anytime, anywhere just by taking a photo of your check. It’s convenient, simple, and secure.
These steps may differ slightly based on your mobile device. Please watch to the video at the bottom of the page for a demonstration.
How to deposit a check with our mobile app:
  • Log in to Online Banking
  • Tap on “Deposit Checks”
  • Select which account to deposit the check into
  • Enter the check’s amount
  • Tap the camera icon to snap a photo of the front of the check
  • Select “Retake Picture” or “Keep Picture” depending on photo (make sure all edges show and the amount is visible)
  • Repeat for the back of the check (make sure check is endorsed with your signature and “For Mobile Deposit Only to Neighbors Credit Union”)
  • Click “Deposit”
  • When the “Success” screen appears, you can deposit another check and proceed to another function within the mobile banking app

Sending money with Zelle®

Zelle is a convenient way to send money using your mobile banking app or online banking account.
How to deposit a check with our mobile app:
  • Log in to Online Banking or your mobile banking app
  • Navigate to Move Money, External Transfer, and select “Send Money with Zelle®.”
  • Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you’re ready to start sending and receiving with Zelle.
  • To send money using Zelle, simply add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1.
  • To request money using Zelle, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”2.
  • To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.
*Transaction typically occurs in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. **In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.

My Rewards

With our My rewards program, you can receive cash back when you shop inline and in-store. Sign on to online or mobile banking to enroll in the program.
How to get started:
  • Log in to Online Banking
  • Select “Join Now” from the “More” menu to register your debit card.
  • Tap: Activate the offers that interest you. On the Marketplace page review offers and ”Activate” the ones that interest you. Activated offers will appear in your Active Deals list.
  • Shop: Make purchases online or in-store with your Neighbors Credit Union debit card.
  • Save: Receive cash back in your account. Rewards will post to your account via ACH within the month after the offers is redeemed.
  • Tap “Earned Summary” to view a dashboard summary of the cash-back rewards you’ve earned.

Courtesy Pay

Unforeseen circumstances and shortages in your account balance seem to pop up when you least expect them. With Courtesy Pay, you’ll enjoy peace of mind knowing your debit card transactions, ATM withdrawals, checks, ACH/electronic and bill pay transactions will be paid, even in the event payment causes your account to be overdrawn.

It is a discretionary service offered as a privilege,* with a fee charged (the same fee that is incurred should a check or ACH/electronic withdrawal be returned for insufficient funds). There is no action required to activate Courtesy Pay for checks, ACH/electronic, and bill pay transactions.

Your consent is required to activate Courtesy Pay for ATM and Debit Card transactions (both signature and PIN).

How to opt-in for Courtesy Pay for your ATM and Debit Card transactions:

*Account must be in good standing; restrictions apply.

Telephone Banking

Telephone banking is our free account service by phone. You can maintain full access to your Neighbors Credit Union accounts with just a touch-tone phone and calling 314-892-7878 or toll free at 1-800-325-2696. Check your account balances, hear cleared checks and even transfer funds. You can even make payments to your credit union loans.

Pay confidently on the go. Now with Google Pay.™

Using your Neighbors Visa® Platinum Credit Card and Debit Card just became even easier.

Now the things you love about your Neighbors Visa Credit Card and Debit Card are right on your Android phone.

Getting started is simple:
  • Download the Google Pay app
  • Add your Neighbors Visa card — it’s as simple as snapping a photo
  • Pay confidently at over a million locations in the U.S.
Enjoy the confidence of paying with your phone with Visa and Google Pay.

Pay using Apple Pay

Using your Neighbors Visa® Platinum Credit Card and Debit Card just became even easier. Apple Pay changes how you pay with breakthrough contactless payment technology and unique security features built right into your iPhone. So you can pay in an easy, secure, and private way.

How to pay:

  • To pay in stores, just hold your iPhone near the contactless reader with your finger on Touch IDTM. A subtle vibration lets you know your payment information was successfully sent.
  • To pay within apps, checking out is as easy as selecting “Apple Pay” and placing your finger on Touch ID.
  • When you pay with your Neighbors Visa Platinum Credit and Debit Card using Apple Pay, you still get all the rewards, benefits, and securities your card provides.

Go to apple-pay to learn more.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

Visa. Now with Samsung Pay.

Using your Neighbors Visa® Platinum Credit Card and Debit Card just became even easier.

Get the great features and benefits of your Neighbors Visa Platinum Credit Card and Debit Card—right on your device. All you need to do is:

Pay confidently on the go.
  • Make sure your compatible Samsung device1 is updated with Samsung Pay
  • Take a picture of your Neighbors Visa card with your device’s camera
  • Secure it with your fingerprint and backup PIN and you’ll be ready to go

1 Available on Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S6 active, Galaxy Note5 and newer models of Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list and contact your bank or financial institution to verify supported cards.

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