Newham Savings Pro

Deposits, credit, and investing on one record.

Open checking or savings, apply for a card or a loan, and keep the relationship in one place. You apply online. When a product needs a banker, it stays pending until it is released.

Open an account Personal banking

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Cards Checking Home loans Personal loans Investing Small business

Checking

An account for payroll, bills, and the week.

Debit, ACH, and transfers post to one balance. The published default is $0 to open and $0 a month. An opening deposit is credited when the account is released, not before. Direct deposit and bill pay use the same book.

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Savings

Money that should sit still.

The published savings rate is 4.20% APY, compounded monthly, and the monthly fee default is $0. Automatic transfers and round-ups move only when checking can cover them. Convenient withdrawals default to six a month.

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Credit

Loans and cards after a decision, not before.

A personal loan starts at $1,000. A home loan starts at $50,000. A personal card’s published purchase APR is 19.99% with no annual fee. None of those figures is a commitment. If review is on, the record stays pending and nothing funds until a banker releases it.

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How an application works

Pending means a banker has not released it.

You complete a short application and confirm the authorization on that form. If the product is set to review, the account, card, or loan does not open the same day. You see the hold. Decline finishes the record. Approval is what posts the money or activates the card.

How it works

Small business

Operating cash, a company card, and credit on one owner.

A business deposit account, a company card, and a line or term facility share the customer record. You decide who spends. A banker still reviews credit when that product is on hold. Nothing in the public site opens the account by itself.

Business banking

Read the terms of the product before you apply.

Fees, the deposit agreement, and what an authorization means are published. Investing is not a deposit and is not FDIC insured. Help covers opening, review, and how to reach a banker if you do not yet have a login.

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