You have questions, we have answers. Whether you need help with your checking account, loan or fraud prevention measures, we have the all the answers to the most frequently asked banking questions.
And if you don’t see the answer you’re looking for, feel free to call our Customer Care Center at 781-444-2100 and speak to one of our experts.
Needham Bank's routing number is: 211373539.
To report an NB Debit card stolen or lost after hours, please call 1-833-337-6075. For International calls, please call 1-614-564-5105.
You can also turn your card off through My Cards. For Online & Mobile Banking customers, log in to NB Online Banking, visit “Cards” in the main menu, click “Transaction History” under Debit Cards and switch the “Card is ON” toggle off. You can also do this via the NB Mobile app by clicking “Cards” in the bottom toolbar and turning the “Card is ON” toggle off.
For non-Online & Mobile Banking customers, you can access My Cards through the Needham Bank My Cards app on your Apple or Android device.
If you’re able to travel to one of our branches, we can print you a new card instantly. You can also complete a new card application through the Online Banking interface and a new card will be ordered and mailed to you.
You can apply for a HELOC online or call us at 781-444-2100. Your Needham Bank experts are here to help you through every step of the process, including throughout the duration of your loan!
Visit any one of our branches and we’ll print you a debit card on the spot. Find your local branch
Using online and mobile banking services is like having your own personal bank branch that never closes! You can enjoy 24/7 access to your accounts, check your financial health on the go, and use features like mobile check deposits, digital bill pay, and much more.
Yes! Enjoy full control over your Needham Bank debit and/or credit cards, including setting up real-time alerts, turning your card off, establishing spending limits, and more, with My Cards. If you’re an existing Online & Mobile Banking customer, you can access My Cards through Online & Mobile Banking:
Non-Online & Mobile Banking users can access My Cards through the Needham Bank My Cards app on your Apple or Android device.
Just like online banking, mobile banking can be safe and secure. Our state-of-the-art app even allows you to safeguard your accounts with TouchID and Biometric Login for extra security.
Yes. Funds placed through our expanded FDIC deposit insurance protection program are deposited only with institutions insured by the Federal Deposit Insurance Corporation.
Each portion of your funds remains protected by FDIC insurance up to the allowable limit at each participating bank, allowing you to safely maintain balances that exceed the traditional FDIC insurance threshold.
HELOCs offer interest-only payments for the first 10 years, and construction loans offer interest-only payments during the build period (up to 12 months).
No—our Construction-to-Permanent loan converts to a permanent mortgage with no second closing.
Yes, HELOCs are commonly used for home improvements, repairs, and upgrades.
A HELOC lets you borrow against your existing home equity, while a construction loan is used to finance building or major renovations and converts into a mortgage.
IRA stands for “individual retirement account.” While many people think of IRA savings accounts like Traditional IRAs and Roth IRAs, an IRA CD works more like a regular CD. They usually come with a required minimum deposit and a fixed rate of return on your money until it fully matures.
While IRA CDs are typically opened in-branch to ensure proper setup and compliance, you can review current online IRA CD rates before visiting. This helps you compare options and choose the right term and rate for your retirement strategy.
Early withdrawals from an IRA CD may result in penalties and, depending on your age and IRA type, potential tax implications. It’s important to review your IRA CD account terms carefully, including how early withdrawal could affect your earned interest.
Yes, IRA CDs are FDIC insured up to applicable limits, providing peace of mind while earning predictable returns. This makes them a reliable option when comparing IRA rates with other retirement savings products.
Yes, you can roll over or transfer an existing IRA into an IRA CD without tax penalties when done correctly. This is a common strategy for customers looking to lock in competitive IRA CD specials or take advantage of stable, fixed interest rates on IRAs.
Opening an IRA CD is simple. Visit a branch to work with a banker who can help you establish a new IRA plan or complete a rollover from another financial institution. They can also help you compare current IRA CD rates and terms to find some of the best interest rates for IRA accounts based on your goals.
Yes. You can open a CD online in just a few steps. We offer a range of personal CDs with competitive CD interest rates and flexible terms to help you earn higher interest rates on your savings.
Yes, all Needham Bank personal CDs are FDIC insured up to applicable limits, providing added security for your savings.
CDs are designed to keep your funds on deposit until maturity. Withdrawing funds early may result in penalties and could reduce the interest earned on your CD.
Most personal CD accounts can be opened with as little as $1,000. The 7-Month CD currently requires a $25,000 minimum opening deposit. Contact us to learn more about the CDs offered and current CD rates.
Premium Checking is ideal for customers who maintain higher balances and want their everyday account to earn competitive interest while enjoying enhanced benefits.
Yes. You can open a Premium Checking account online or visit one of our branches for personalized assistance.