What is a Security Code and why is it required to set up Apple Pay?

You are required to enter a Security Code when adding your Needham Bank Debit card to Apple Pay. The 3 digit number is located on the back of your Needham Bank debit card.

How can I add my Needham Bank debit card to Apple Pay?

To add your Needham Bank debit card, open the “Wallet” app, and select the plus sign (+) located in the right hand corner of the screen. Follow the steps to add a new card.

I received an e-mail about Apple Pay. What am I supposed to do?

The e-mail is to verify that you activated Apple Pay on your Apple device. If you did not activate Apple Pay on your device, please call us at 781-474-5804 or after hours at 1-800-264-5578. If you did activate Apple Pay on your device, please ignore the e-mail.

Which Apple devices support Apple Pay?

The iPhone 6s, iPhone6s Plus, iPhone 6, iPhone 6 Plus, and Apple Watch for in store purchases. The iPad Air 2 and the iPad mini 3 can be used for in app purchases only.

What do I do with the insurance check I received for property damages?

If the check is under $50,000, you may bring the check to any of our branches for a Manager to endorse the check. If the check is over $50,000, please contact the Residential Lending Department at (781)444-2100 and they will guide you through the process.

Where do I send my tax bill?

It is not necessary to forward your tax bill to us. You may retain your tax bill for your personal records.

What is the payoff on my loan?

Please submit a signed, written request with the exact payoff date by mail or fax. If you are an attorney/title company working on behalf of the borrower, authorization will be required.

I did not receive a mailed copy of my year-end statement, how do I get an additional copy?

You may request a copy of your 1098 and/or a copy of your Annual Loan Statement by contacting our Loan Operations Department at (781)474-5802 or by emailing us at LoanOperations@NeedhamBank.com.

How do I receive my monthly billing statement?

Your monthly billing statement will be mailed to you approximately 15 days prior to your loan payment due date. For paperless eStatement users, you will receive an email notification that your eStatement is available.

Why did my mortgage payment amount change?

Payment changes result from an adjustment to your interest rate or your escrow payment. Our Loan Operations Department will assist you in providing answers to all your questions. Please contact us by calling (781)474-5802 or by email at LoanOperations@NeedhamBank.com

Can I pay my mortgage from another account?

Yes, you may complete an ACH Agreement in order to do so. Call our Loan Servicing Department at (781)474-5802 or complete the Authorization Form. Please forward the form to the Loan Operations Department via US Mail or email us at LoanOperations@NeedhamBank.com

What is the mailing address of Needham Bank’s Loan Operations Department?

Please submit your loan payments to: Needham Bank-Loan Operations Department, PO Box 920129, Needham, MA 02492.

What are the hours of the Loan Operations Department?

The Loan Operations Department is open Monday through Friday, 7AM to 4PM. You can also reach us by telephone at (781)474-5802, by email at LoanOperations@NeedhamBank.com or by fax at (781)449-2546.

I received a check from an unknown source with instructions to withdraw and transfer a portion of the funds.

If you have received a paper check from an unknown source with instructions to withdraw and then transfer a portion of the deposit, you might be the target of an attempted fraudulent check scheme.     This scheme involves sending an individual a paper check along with some form of included communication describing how and why the recipient 'earned' the money. (Example: Secret Shopper Rebate) The communication will also instruct a recipient to deposit the entire sum of the check in to their account. Once deposited, the communication instructs the recipient to immediately wire portions of the funds to other accounts at other financial institutions. Checks are typically in the $2,000 to $4,000 range, and are occasionally designed to represent an 'Official Bank Check.' Please note that these are bad checks and do not represent legitimate funds. If you have received a mailer similar in nature to the example described above, please disregard the instructions and destroy the fraudulent check. However, if you have any questions or concerns about a check you have in your possession, please do not hesitate to contact your local branch manager. If you do not know your local branch manager or their information, please visit: www.needhambank.com/customer-support/contact-us/branch

What is an EMV Chip and why am I getting a new NB Debit Card?

We take your security seriously at Needham Bank which is why we are pleased to offer all of our NB Debit Card holders a new card complete with the latest in protective technology. Your new card is equipped with an EMV chip on the front. When you use your new card at a chip-enabled terminal, unique card data is created for each transaction, which greatly increases the protection of your personal information and reduces the risk of payment fraud.. For even more information about EMV technology, visit www.NeedhamBank.com/EMV.

What is MasterCard® SecureCode?

MasterCard® SecureCodeTM is a program that is used to reduce fraud and unauthorized card use for customers who use their Needham Bank Debit MasterCard™ to make purchases over the Internet from participating merchants. This service is available to all Needham Bank debit cards.  If you are attempting to make a purchase online and experience an issue, please contact us at 781-474-5804, Monday- Friday from 7AM-4PM.

What steps should I take to protect my NB Debit MasterCard® when shopping online?

Needham Bank recommends that you shop with merchants you know and trust. Making sure any internet purchase or shopping cart is secured with encryption to protect your account information. Look for secure transaction symbols such as a lock symbol in the lower right-hand corner of your web browser, or “https://…” in the address bar of the website. Once you've completed your purchase, log off from any website after a purchase transaction is made with your credit or debit card. If you cannot log off, shut down your browser to prevent unauthorized access to your account information. If you want the most secure option, Needham Bank offers MasterCard® SecureCode Internet Personal Identification Numbers on all NB Debit MasterCard®.

What Should I Do With My Old NB ATM Card or NB Debit MasterCard®?

You should always cancel and cut up unused NB ATM Card, NB Debit MasterCard®, and other cards. If you receive a replacement card, destroy your old card.

What Can I Do to Protect My PIN?

When you are using an ATM or making a purchase, we recommend you ensure no one sees your PIN when you enter it. Memorize your PIN, but do not write it down anywhere, especially on your card. Never share your PIN with anyone.

What Safeguards Should I Use When Selecting a PIN?

When selecting a PIN, we recommend that you do not use a number or word that appears in your wallet, or any easily identifiable personal information, such as name, birth date, or phone number or other information that could be easily accessible on social media.