Newham Savings Pro

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Answers for opening an account, review, cards, transfers, and how to reach a banker. These notes explain the published schedule. They are not a substitute for the deposit agreement, the credit agreement, or the investing addendum on the form you sign.

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Opening an account

Register, apply, then wait only if a banker has to release it.

4 questions

Sign-in and passcodes

A password to enter the site. A passcode before money moves.

5 questions

Review holds

Why something stays pending.

3 questions

Checking and savings

Everyday money and money that should wait.

4 questions

Cards and wallets

Lock, replace, spend when the card is active.

3 questions

Moving money

Between your accounts, out by ACH or wire, bills, and P2P.

5 questions

Fees and statements

What we charge, and how you get a statement.

3 questions

Loans and credit

Personal, home, auto, cards, and credit tools.

3 questions

Investing and retirement

Brokerage, advice, retirement, and education savings.

3 questions

Business banking

Deposits, cards, and credit in a business name.

2 questions

Family and tools

Household members, alerts, budgets, and lessons.

3 questions

Contact and tickets

Hours, messages, and when to use the desk.

3 questions

Topic

Opening an account

Register, apply, then wait only if a banker has to release it.

Yes. Checking has no account-opening fee on the form. If you add an opening deposit, it is credited when the account is released. If that product is on hold, the money waits with the application.

No. The bank assigns account and routing numbers when the record is created. You will see them on the account once it is open.

We store the application. If review is on for that product, a banker approves, declines, or asks for more. If review is off, the product can open the same day. You see the same status the banker sees.

No. Spend, debit, origination, and most money movement wait until the record is released. Pending is a hold, not an error.

Topic

Sign-in and passcodes

A password to enter the site. A passcode before money moves.

The password signs you in. The passcode is a short digit code you create after enrollment. Sensitive actions — and sign-in, if the bank turned that on — ask for the passcode. It is not the same as the password.

Use “I forgot my password” on the login page. If you also lost the passcode, a banker can set a new one on your customer record after they identify you. They cannot read the current passcode.

No. Passcodes and security answers are stored hashed. An administrator can replace them. They cannot display the current value.

The bank does. You choose one from the list on Secure authentication and give an answer. You cannot type your own question. You may be asked that answer again when a product needs to confirm it is you.

No. A customer cannot close the profile from settings. A banker can delete a customer who is not an administrator. That step is irreversible.

Topic

Review holds

Why something stays pending.

That module is set to hold for a banker decision. The application is stored. Nothing funds or activates until someone approves it, or the hold is turned off for new requests.

An administrator on the Decisions queue or on that book of record. Approve releases it. Decline finishes the record. You see the same outcome.

The hold is a module setting. Changing it affects new requests. Records already booked keep the terms they were opened under.

Topic

Checking and savings

Everyday money and money that should wait.

Checking is for the week: debit, transfers, a running balance. Savings is for money that should sit. You can set a goal and move money from checking. Interest, if any, posts on the account in cents.

APY comes from the product’s module settings, in basis points. A banker can change the figure for new accounts. What already posted on your ledger stays posted.

Yes. An internal transfer between your accounts at this bank is free. It still asks for your passcode if that product requires it.

Only if you enroll in overdraft protection. It is a separate product with its own fee on that form. A budget you set does not decline a purchase by itself.

Topic

Cards and wallets

Lock, replace, spend when the card is active.

When the card status is active. A hold means a banker has not released it yet. Personal and business cards follow the same path.

Lock it in card management so new spend is blocked, then replace it. The old number is retired. If the card is lost before you can sign in, use the contact desk.

Wallet tokens are a separate product. They only work for a card that is already active.

Topic

Moving money

Between your accounts, out by ACH or wire, bills, and P2P.

Yes. External ACH can be turned off by the bank. When it is on, the form discloses whether a fee applies. Wires always show their fee on the same screen before you confirm.

If the destination account is still pending, nothing has been released. If it is open, the dashboard separates available and pending amounts. Posted activity is in cents.

ACH is a batch credit or debit to an external account. A wire is an individual send with a disclosed fee. Bill pay pays a biller you set up. P2P sends to another person. Each product can ask for your passcode, and wires can ask the security question.

An internal transfer can be discussed with a banker. External ACH generally cannot be pulled back once the receiving bank accepts it. A wire is an instruction to debit the account you selected, including the fee.

FX conversion is its own product. The rate and any spread are shown on that form before you confirm.

Topic

Fees and statements

What we charge, and how you get a statement.

No account-opening fee is collected on the checking form. Other products disclose their own fees on their forms.

Yes. A banker updates module settings. New applications use the new figure. Electronic statements stay free. Paper can carry the statements fee if you ask for it.

You request a period. If statements are on hold, a banker releases the file. Download is available only when the status is ready. How long files stay in the document centre is a statements setting.

Topic

Loans and credit

Personal, home, auto, cards, and credit tools.

No. Advertising is not an offer. A loan or card is originated only after a decision. If review is on, nothing funds until approve.

Personal loans, home lending, auto financing, personal and business cards, business credit, and credit builder. Each has its own application and, if configured, its own hold.

No. It is a score-and-bureau service. Identity details can still sit in review the first time you enroll. It does not approve a card or a loan.

Topic

Investing and retirement

Brokerage, advice, retirement, and education savings.

No. Brokerage, advisory, retirement, and similar investment products are not deposits and are not FDIC insured. Checking and savings remain deposit accounts.

Advisory is typically a percentage of assets, disclosed on that product. Brokerage is a self-directed book. Education savings and retirement are separate account types with their own applications.

Administrators can open the customer record and that book. Passcodes and security answers stay hidden.

Topic

Business banking

Deposits, cards, and credit in a business name.

The profile can be marked as a business, with a business name and EIN. Business deposits, business cards, and business credit are separate products from the personal books.

Yes, if the banker has enabled those modules and your profile is set up for them. Each product still follows its own review setting.

Topic

Family and tools

Household members, alerts, budgets, and lessons.

You can add household members the bank allows on that product. It does not replace the primary customer’s sign-in or passcode.

Alerts notify you when something you chose happens — sign-in, a large debit, a low balance. A budget tracks spending against a monthly amount. Neither one declines a purchase by itself.

Short lessons. A passing score comes from the education module setting. Completing a lesson is not a product approval.

Topic

Contact and tickets

Hours, messages, and when to use the desk.

Use the public contact form, or sign in and open a help ticket. Product decisions (approve or decline an application) are a different queue from support messages.

Tickets are worked in the order they arrive. The promised first response is a Help and support setting, in hours. Silence for many days can close a solved thread.

Only if your banker has given you a location. This site does not list branches.

Still need a person?

Write from the contact desk, or sign in and open a ticket. Product decisions are a different queue.

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