NEFCUOnline

There is no charge to access your accounts, perform inquiries, transfer funds, etc. Our optional BillPay service is free for consumers but business members will be charged a fee of $6.00 per month. Please refer to our Pricing Schedule for any other charges that may apply to your account.

Go to the nefcu.com homepage and click "Sign Up" at the bottom of the NEFCUOnline login box. Simply complete the registration form and follow the online prompts to get started. 

If you are using the NEFCU Mobile App, this option is also available on the login screen.

In addition to Internet access and a valid email address, the minimum computer hardware and software requirements to participate in NEFCUOnline are: 

• Internet access and a valid email address
• A browser and operating system combination supported by the browser vendor
• Minimum screen resolution for non-responsive content: 1024 x 768 pixels
• Minimum screen resolution for responsive content: 320 pixels wide
• A compatible PDF reader, such as Adobe Reader
• JavaScript enabled
• cookies enabled (first and third-party)

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.

Your Credit Union 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, your credit union 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 NEFCU Contact Center at 800.400.8790 or stop in to one of our branches for assistance.

With Shared Access, you can grant access to designated individuals. As the account holder, you determine which accounts your subuser(s) should see and you choose whether you want them to have “View Only” access or whether you want them to perform certain types of transactions such as internal transfers and bill payments. If you opt to grant access to BillPay, you must set a per transaction limit. Any transactions submitted by a subuser that exceed this limit will require your approval before they process.

To get started, click on “Additional Services” and select “Share Access with Others” from the dropdown menu. This link will take you to the page where you can add subusers, manage their permissions, or revoke access at any time. If you have any pending transaction to approve, they will also be displayed at the top of this page.

Your information is kept strictly confidential. NEFCUOnline requires a combination of the correct username and corresponding password to access any confidential information. 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 or you opt to grant access to another user through the Shared Access (entitlements) feature, no one but you will be able to access your account information through NEFCUOnline or over the Internet.

Transaction data that appears in NEFCUOnline is refreshed each time NEFCUOnline is loaded. Consequently, there is no account data storage outside the Credit Union with NEFCUOnline. 

Turbo Tax and FinanceWorks data is stored within Digital Insight systems. Digital Insight systems are secured with encryption, perimeter and internal firewalls, screening and filtering routers, intrusion detection, strict authentication, virus protection, and application security. Digital Insight network architecture is structured so servers that store member information are not directly connected to the Internet.

Additionally, Digital Insight 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 Digital Insight'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, the Credit Union's security is examined annually by external auditors and by the National Credit Union Administration (NCUA).

NEFCUOnline uses an extra layer of security beyond the username and password to protect against fraud and identity theft. Access is only possible from devices that you  have registered and linked to your accounts, or by using a one-time secure access code delivered to you via text, phone, email, or authenticator app. You are in control of which computers and mobile devices are allowed to access your accounts, and no access is allowed without using either a registered device or a one-time secure access code.

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.

In order to access NEFCUOnline from a public computer, including those in NEFCU branches, you will need to have a mobile device that is capable of receiving a one-time access code via text, automated voice call, email, or authenticator app.

You can update your login and security options, including username, password and security contacts, by going to NEFCUOnline and clicking on “My Settings” in the upper right hand corner. 

If you are using the NEFCU Mobile App, this information can be updated by clicking on More > Settings > My Settings.

During the registration process, 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 Settings” in the upper right hand corner. If you are using the NEFCU Mobile App, this information can be updated by clicking on More > Settings > My Settings.

All new usernames must meet the following criteria:

• must be between six and 60 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)

During the registration process, you will be prompted to create a 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 Settings" in the upper right hand corner. If you are using the NEFCU Mobile App, this information can be updated by clicking on More > Settings > My Settings.

All new passwords must meet the following criteria:

• must be between eight and 32 characters
• must contain characters from at least two of the following three categories:
  - Letters
  - Numbers
  -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

If you forget your password, you can reset it by using “Forgot Login.” This feature is available within the NEFCUOnline login box on www.nefcu.com and on the NEFCU Mobile App. Follow the online instructions to confirm your identity and reset your password.

To better protect you, you will have only a limited number of tries to input your password correctly. If your access is temporarily suspended due to too many invalid attempts, you can reset your password by using “Forgot Login.” This feature is available within the NEFCUOnline login box on www.nefcu.com and on the NEFCU Mobile App. For further assistance, call the NEFCU Contact Center at 800.400.8790 or stop in to one of our branches.   

When logging in from an unrecognized device, you can use authenticator apps such as Google Authenticator and Microsoft Authenticator to confirm your identity. To enable, go to My Settings > Login & Security > Security options and click “Edit.” Use the toggle to turn on the option for “By authenticator” and then save. Once enabled and saved, scan the QR code or enter the code into your authenticator app, which can be downloaded from the App Store or Google Play.

As a joint owner, you can make internal transfers to and from NEFCU accounts. However, to use our money movement services (External Funds Transfer and Popmoney) you must be listed as the primary account holder for the account to display as an option.

With External Funds Transfer, you can move money between your NEFCU accounts and accounts you own at other financial institutions. Go to Move Money > External Funds Transfer to get started.

With intra-institution transfers, you can use NEFCUOnline to conveniently and securely transfer money to another member.

To get started, just go to Move Money > Send Money to a Member or click on any of the Add Recipient links within the Move Money transfer screens. To establish a connection, your recipient needs to be a NEFCU member and have a checking or savings account with us. You will then be prompted to provide the following account information (all fields are required):

• Recipient’s name (maximum of 32 characters)
• First 3 letters of the recipient’s last name
• Recipient’s account type (Regular Share or Share Draft)
• Recipient’s full account number

Once a recipient has been saved successfully, you can proceed with making the transfer. Currently, only one-time transfers are supported. In subsequent online banking sessions, you will always find the previously added recipient in the To account dropdown on the Move Money transfer screen.

There is no limit on how many recipients can be added. You can also remove a recipient at any time by going to Move Money > Manage Transfer Destinations.

Alternatively, transfers to other members can still be done on Accountline or through NEFCU Contact Center. You can also use our Popmoney® service to electronically transfer funds to another NEFCU member or another person with any U.S. bank account.

To make a Principal Only Payment, go to Move Money > Make a transfer. Select the accounts that you want to transfer to and from and then enter the amount. In the dropdown menu for type of payment, choose “pay to principal.” To complete this transaction, click “Make 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.

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.

To edit a scheduled transfer on NEFCUOnline, go to Move Money> View Scheduled Transfers and click "Edit". Make your changes and then click “Schedule transfer”.

If you have a scheduled transfer or autopay that was set up by NEFCU, you will need to call NEFCU Contact Center at 800.400.8790 or stop in to one of our branches for assistance with edits to these transactions.

To cancel a scheduled transfer on NEFCUOnline, go to Move Money> View Scheduled Transfers and click "Cancel". A message will display and you'll need to confirm that you want this transfer to be cancelled by clicking "Yes".

If you have a scheduled transfer or autopay that was set up by NEFCU, you will need to call NEFCU Contact Center at 800.400.8790 or stop in to one of our branches for assistance with deleting these transactions.

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 NEFCU Contact Center at 800.400.8790 or stop in to one of our branches for assistance.

To view scheduled transfers initiated on NEFCUOnline, go to Move Money > View Scheduled Transfers. 

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 than $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 NEFCU Contact Center at 800.400.8790.

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 NEFCU Contact Center at 800.400.8790 or stop in to one of our branches for assistance.

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 NEFCU Contact Center at 800.400.8790 or stop in to one of our branches for assistance.

• 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 7:00 am - 9:00 am every day, including Credit Union holidays.

If your transfer fails, you will receive an email notification.

If you do not have overdraft protection or courtesy pay, scheduled transfers set up on NEFCUOnline will not be processed if the full amount of the funds is not available. 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.

If you have overdraft protection or courtesy pay, scheduled transfers set up on NEFCUOnline will still be processed even if the full amount of the funds is not available. Any applicable fees will also be applied.