NEFCUOnline is a secure, Internet-based service that gives you access to your NEFCU accounts 24 hours a day, 7 days a week. At your convenience, you can access your account history, make transfers and payments, view statements and check images, add an account, manage your finances, and more. Our new features, including direct access to Personal Financial Management software and expanded mobile banking services, are designed to provide you with as many tools as possible to stay connected to your funds.
As always, NEFCU employs state-of-the-art security protocols to protect your account information. With Login Security, you’ll be protected on whatever computer or device you’re using – whether you’re at home or on the go!
If you have a question or have run into an issue with NEFCUOnline, please use this section for answers and solutions. If you don’t find your answer here, please contact us.
NEFCUOnline General Questions
- How much does NEFCUOnline cost?
There is no charge to access your accounts, perform inquiries, transfer funds, etc. Our optional BillPay service is free for members with loan and/or deposit balances greater than or equal to $5,000, and all Bank@Work
. Otherwise, the fee for BillPay is $6.00 per month. Please refer to our Membership Benefits
brochure for any other charges that may apply to your account.
- My transaction descriptions have the letters HB or VR after them. What do these mean?
When a transaction, like a transfer, is done through NEFCUOnline, the letters HB are automatically displayed indicating that this was a “Home Banking” transaction. Similarly, VR stands for “Voice Response” which indicates Accountline transactions.
- How current is the information on NEFCUOnline?
The information you see is the same information in the computer system at the time of your request. Most transactions you do through NEFCUOnline are effective immediately. For example, if you transferred money from a Share to Share Draft, the funds are immediately available. During times when the Credit Union is closed, some transaction details will not be immediately available. Those details will be updated at the start of the next business day. Some transactions such as Mortgage or Visa payments require additional processing, and may take up to two additional business days to post.
- What are the requirements to use NEFCUOnline?
For more information about our system requirements and configuring your computer to be compatible with NEFCUOnline, click on Technical Support
- Is it safe to access my accounts? Are my accounts secure?
NEFCU has taken many steps to ensure the security of NEFCUOnline. We provide system and transaction security through strong authentication, encryption and digital certification software. Access to your account via NEFCUOnline is only allowed through the devices you have designated to have access to your account. You will be required to use your username and a valid password to access the system. For your protection, NEFCU recommends that you memorize your password and do not write it down (just like an ATM PIN). You should never give your password to anyone or let anyone see you enter your password when you are logging in to NEFCUOnline. In addition, you should change your password periodically and do not use easily identified passwords such as birth dates, years, etc. To better protect you, you will have only a limited number of tries to input the password correctly. If you accidentally become locked out of NEFCUOnline, you will need to call TeleBranch at 800-400-8790 or stop in to one of our branches for assistance.
- Where is my data stored? Who has access to my data?
Transaction data that appears in NEFCUOnline is refreshed each time NEFCUOnline is loaded. Consequently, there is no account data storage outside NEFCU with NEFCUOnline.
Turbo Tax and FinanceWorks data is stored within Intuit systems. Intuit systems are secured with encryption, perimeter and internal firewalls, screening and filtering routers, intrusion detection, strict authentication, virus protection, and application security. Intuit network architecture is structured so servers that store member information are not directly connected to the Internet.
Additionally, Intuit employs policies and procedures to ensure the highest level of security throughout their organization including physical controls such as retina eye scan authentication for access to their data centers, administrative controls such as clear personnel policies and background checks, and a team of security specialists who provide 24/7 support. In addition, Ernst & Young performs an SSAE 16 Audit (the latest AICPA standard) of Intuit's service controls, and measures their effectiveness. This assessment includes physical facilities as well as Internet operations.
As always, some Credit Union employees have access to member financial data by virtue of their role at the Credit Union. However, that access is governed by internal policies and by several layers of security safeguards. In addition, NEFCU security is examined annually by external auditors and by the National Credit Union Administration (NCUA).
- Can any other member see my account information?
No, your information is kept strictly confidential. NEFCUOnline requires a combination of the correct username and corresponding password to access any confidential information at NEFCU. Plus, login is only allowed from the device(s) that you have designated to have access to your account. Unless you share your login information with others and give them physical access to your devices, no one but you will be able to access your account information through NEFCUOnline or over the Internet.
NEFCUOnline Login Security
- How do I change my login security phone numbers?
You can update or edit your security settings, including username, password and security contacts, by going to NEFCUOnline and clicking on “My Profile” in the upper right hand corner.
- What is login security?
Our login security procedures protect against online fraud by providing an additional security step beyond your username and password through the use of a one-time access code. You will be prompted to provide up to two phone numbers that can be used to receive access codes via text and/or automated voice message. (If you are unable to receive a code by phone, you can also opt to have the code delivered by email.) Whenever you use an unregistered computer, you’ll be prompted to choose how you want the access code to be sent from any of your previously established options. Access codes are temporary and must be used within 10 minutes or you’ll need to request a new one. When the access code is entered successfully, we’ll be able to confirm your identity and give you immediate access to NEFCUOnline.
- How do I login from a public computer?
In order to access NEFCUOnline from a public computer, including those in NEFCU branches, you will need to have a cell phone or hand held smart device that is capable of receiving a one-time access code via text, automated voice call or email.
- What is a registered computer?
After you have verified your identity by correctly entering a one-time access code, you’ll be presented with the option to register the computer. If you are using a trusted device, you can select “Yes, Register this computer.” With a registered device, only a username and password will be required to login securely in the future. If you select “No, This is a public computer,” you will continue to receive the one-time access code challenge on that computer as an additional line of defense to prevent unauthorized access.
NEFCUOnline Signing Up and Logging In
- How do I change my username?
At your initial login, you will be prompted to create a username. After that, you can update or edit all your security settings, including username, password and security contacts, by going to NEFCUOnline and clicking on “My Profile” in the upper right hand corner.
- What are the password guidelines?
All new passwords must meet the following criteria:
- must be between six and 32 characters
- must contain characters from at least two of the following three categories:
-Any special characters
- cannot contain any white space (spaces are not allowed: including before, in the middle of, or after the password)
- cannot be a substring of the username
- How do I change my password?
At your initial login, you will be prompted to change your password. After that, you can update or edit all your security settings, including username, password and security contacts, by going to NEFCUOnline and clicking on "My Profile" in the upper right hand corner.
- How do I reset my password if I get locked out?
To better protect you, you will have only a limited number of tries to input your password correctly. If you accidentally become locked out of NEFCUOnline, you will need to call TeleBranch at 800-400-8790 or stop in to one of our branches for assistance.
- What if I forget my password?
If you forget your password, go to the homepage of www.nefcu.com
and click on the “Forgot Password?” link in the NEFCUOnline login box. Follow the online instructions to confirm your identity and reset your password.
- How do I sign up for NEFCUOnline?
To get started, call TeleBranch at 802-879-8790 or 800-400-8790 to request a password. A Member Service Representative will be available to assist you from 7 am to 7 pm Mondays through Fridays, or 9 am to 3 pm on Saturdays.
- What are the username guidelines?
All new usernames must meet the following criteria:
- must be between six and 20 characters long
- must contain one letter
- can contain letters, numbers and the following special characters: @$*_-=.!~
- cannot contain any white space (spaces are not allowed: including before, in the middle of, or after the username)
- Can I transfer to another member?
In order to transfer funds to non-jointly owned accounts through NEFCUOnline, you’ll need to set up a “Transfer To Association.” Once you have established a Transfer To Association with another member’s account, the member number of that account will appear as a “Transfer To” option in your dropdown menu on the “Account Transfer” screen. You will be able to transfer funds into this account but you will not be able to remove funds, view account balances, or see any other information about the account. These associations are recommended for members who make repeated transfers to friends and family and not intended for one-time transfers. Please be aware that if a transfer is made in error, the funds cannot be returned without the other account holder’s permission.
To set up a Transfer To Association, please stop by any branch or call TeleBranch at 800-400-8790 for assistance. You will need to provide the name, member number, and account type to which you would like to transfer. Your request will be completed within one business day and the member you have asked to be associated with will also be notified that an association has been established from your account to theirs. Either member may request to have an association cancelled at any time by contacting NEFCU.
Alternatively, transfers to other members can still be done on Accountline or through TeleBranch.
- How do I make a Principal Only Payment?
To make a Principal Only Payment, click on “Move Money” and then select “Make a transfer.” Select the accounts that you want to transfer to and from and then enter the amount. Click the radio button for “Overpayment” and select the “Principal Only Payment” option from the dropdown. To complete this transaction, click “Transfer Funds.”
- Can I transfer to my account at another institution?
No, this type of transfer is not available at this time.
- To what type of account can I transfer?
You can transfer to Share, Share Draft, Credit Card, Mortgage, Future Saver and Loan accounts in which you are primary or joint. The dropdown list of accounts will include those accounts to which you can make transfers.
- Can I transfer to and from an account on which I am the joint member?
- From what type of account can I transfer?
You can transfer from Share, Share Draft and Line of Credit accounts in which you are primary or joint. The dropdown list of accounts will include those accounts from which you can make transfers. Accounts with no available balance will not show.
NEFCUOnline Scheduled Transfers
- How do I edit a scheduled transfer?
To edit a scheduled transfer on NEFCUOnline, select “Move Money”, and then select “Schedule a transfer.” From the “Scheduled Transfers Summary” screen, identify the transfer to be edited and click the “Edit” link located to the right of the scheduled transfer entry. The “Edit Scheduled Transfer” screen will appear with the transfer account information displayed along with the selected frequency and end date, if specified. Add or modify the information as needed. Click the “Reset” button to return the field to the original values, or click the “Cancel” button to return to the “Scheduled Transfer Summary” screen. When your edits have been completed, click the “Save Transfer” button to save your changes.
If you have a scheduled transfer or autopay that was set up by NEFCU, you will need to call TeleBranch at 800-400-8790 or stop in to one of our branches for assistance with edits to these transactions.
- How far in the future can I date a scheduled transfer?
You can schedule transfers for up to 10 years in advance.
- What time of day does the transfer occur?
- Transfers set up by NEFCU or by you prior to October 21, 2011 are completed at approximately 8:00 am, except on Credit Union holidays.
- Transfers set up by you on NEFCUOnline after October 21, 2011 are completed at approximately 8:00 am every day, including Credit Union holidays.
- Will I receive notification if there is a problem with the scheduled transfer (funds not available, for example)?
Yes, you will receive an email notification that your transfer failed. To check the status of your scheduled transfer on NEFCUOnline, go to the “Scheduled Transfers Summary” screen by clicking on “Move Money” and selecting “Schedule a transfer.”
- How do I delete a scheduled transfer?
To delete a scheduled transfer on NEFCUOnline, select “Move Money”, and then select “Schedule a transfer”. From the “Scheduled Transfers Summary” screen, identify the transfer to be deleted and click the “Delete” link located to the right of the scheduled transfer entry. The “Delete Scheduled Transfer” screen will appear with the transfer account information displayed along with the selected frequency and end date, if specified. When the “Delete” button is selected, a delete confirmation message displays indicating that the transfer is about to be deleted.
If you have a scheduled transfer or autopay that was set up by NEFCU, you will need to call TeleBranch at 800-400-8790 or stop in to one of our branches for assistance with deleting these transactions.
- Why can’t I see all my scheduled transfers or autopays on NEFCUOnline?
Scheduled transfers or autopays set up prior to October 21, 2011 will not appear on NEFCUOnline but will continue to process as scheduled. To modify these transactions, you will need to call TeleBranch at 800-400-8790 or stop in to one of our branches for assistance.
To view scheduled transfers initiated on NEFCUOnline, go to the “Scheduled Transfers Summary” screen by clicking on "Move Money" and selecting "Schedule a transfer".
- Can I set up a scheduled transfer to make a Visa payment?
Yes, you can set up scheduled transfers to pay your Visa. If you also have autopay set up for Visa, the scheduled transfer will affect the autopay as follows:
If you are set up to pay Ending Balance on Statement, and you make a scheduled transfer to pay the previous month's balance prior to the time autopay occurs (two days before the due date), no autopay payment will be deducted. If the scheduled transfer is made after autopay is run, you will have paid the balance twice.
If you are set up to pay Minimum Payment Due, and you make a scheduled transfer prior to the time autopay occurs (two days before the due date), the amount of your transfer will be deducted from the autopay amount. (Example - minimum payment is $75, you schedule a transfer of $50 prior to the time autopay occurs, then autopay will only deduct $25.)
If you are set up to pay a Fixed Amount, and you make a scheduled transfer which is less than the full balance on the card prior to the time autopay occurs (two days before the due date), autopay will occur and deduct the full fixed autopay. (Example - you schedule a transfer of $250, your autopay is set for $500. If your balance is greater then $250, the full payment of $500 will still be deducted by autopay).
Note: Autopay allows special options, such as always paying the minimum, or always paying the full balance. If you wish to set up autopay for Visa, call TeleBranch at 800-400-8790.
- What will happen if the funds are not available at the time of the scheduled transfer but I have overdraft protection?
Overdraft protection is not available to cover scheduled transfers.
- What will happen if the funds are not available at the time of the scheduled transfer?
Scheduled transfers or autopays set up prior to October 21, 2011 will not be processed if the full amount of the funds is not available. If it is a one time transfer (same start and end date), it will not be made in the future either, even if funds become available later. If it is a monthly transfer, the system will continue to try daily for a month. For biweekly, tries will continue for two weeks and, for weekly, one week.
Similarly, scheduled transfers set up on NEFCUOnline after October 21, 2011 will not be processed if the full amount of the funds is not available. However, no future tries will be made regardless of whether it is a one time transfer or any other frequency. You will receive an email notification that your transfer failed. If additional transfers are still scheduled, they will be processed as planned if the funds are available.
- Can I edit or delete a scheduled transfer or autopay that was set up prior to October 21, 2011?
Through NEFCUOnline, you are not able to edit or delete a scheduled transfer that was set up by you or the Credit Union prior to October 21, 2011. To modify these transactions, you will need to call TeleBranch at 800-400-8790 or stop in to one of our branches for assistance.
- Can I edit or delete a payment to a loan that the Credit Union has scheduled?
Through NEFCUOnline, you are not able to edit or delete a payment to a loan that the Credit Union has scheduled on your behalf. To modify these transactions, you will need to call TeleBranch at 800-400-8790 or stop in to one of our branches for assistance.
NEFCUOnline Notification Options
- I signed up for eStatements, but I’m still getting paper statements.
Signing up for eStatements requires two steps. First, you must login to NEFCUOnline, click on “Additional Services,” and then select “Notification Options.” From our Trusted Partners page, go to "Notification Options" and click "Enter". You will then be prompted to accept the user agreement for alerts. Second, you must then click on the “eStatements” tab and accept the additional user agreement for eStatements in order to complete the process.
If you have completed the eStatement registration process described above but you are still getting paper Visa eStatements, please call TeleBranch at 800-400-8790 for assistance.
- Can I get Account Alerts on my mobile device?
Yes, either as an email or text. Set up or change your preferences at any time by logging in to NEFCUOnline and selecting “Notification Options” (under “Additional Services”). From our Trusted Partners page, go to "Notification Options" and click "Enter". For text alerts, click on the tab for “Alert Addresses” and then click “Add New” under the “Mobile Device” section. You can enter one or more email addresses or mobile devices.
If you are experiencing technical issues with NEFCUOnline, please review our system requirements and refer to the troubleshooting section below for some suggestions to improve compatibility. If you choose to use an operating system or browser that has not been optimized for NEFCUOnline, you may not be able to take full advantage of all the features. If you need further assistance, please contact us
The minimum computer hardware and software requirements to participate in NEFCUOnline are:
- Internet access and a valid email address
- a screen resolution of 1024 x 768 or higher
- a current version of Adobe Reader
- cookies enabled in your browser
If you are experiencing difficulty logging in, you may want to try using another browser. Please refer to our Online Help Index for additional information about configuring your computer system to be compatible with NEFCUOnline. Some of the technical information available here includes:
- Downloading a Recommended Browser Version
- Downloading Adobe Reader
- Allowing Cookies
- Disabling Pop-up Blockers
- Secure and Non-secure Item Messages
Occasionally, you may receive a message that says “this page contains secure and non-secure items…” Technically, the message means that the images or CSS being used on the page are being requested from different sources (some secure and some not secure). The risks are minimal ─ in fact some browsers will give a warning, and some will not, for the same pages. If you do choose "no", the browser just won't request the foreign image.