Mobile Banking

Our mobile banking service allows you to bank anytime, anywhere from your handheld mobile device or tablet. Securely access your accounts to:

  • View account balances and transaction history
  • Transfer funds between Direct Financial accounts
  • Pay bills
  • View check images
  • Deposit checks
  • Check current rates (Mobile Web only)
  • Find the nearest branch or ATM

To use mobile banking, you’ll need to be a registered NEFCUOnline user. On your initial login to Mobile Web or any of our apps, we'll need to verify your identity and confirm that you are authorized to access this account. Your registered phone numbers will be presented to you and you can opt to receive a text message or an automated voice call. The message or call will include the instructions you'll need to reply. After you've successfully replied, you'll be able to securely access your Direct Financial accounts.

Mobile Banking is free but standard wireless carrier data charges may apply. Please make sure you understand the terms of your mobile agreement before taking advantage of any of our mobile banking services:

The NEFCU Mobile App is available for download on the iPhone or Android. We also offer a version for iPad and Android users that's designed expressly for the touchscreen and size of your tablet. To get started, search for NEFCU Mobile App in the App Storesm or Google Play and then follow the instructions to install the application on your device.  When prompted, enter your username and password to login. For future logins, users can enable Touch ID or Fingerprint ID (under Settings) to securely log in with a fingerprint in lieu of a username and password.

You can also access your account information faster than ever with Quick Balance and Smartwatch Banking. With Quick Balance, you can view your account balances and most recent transactions without logging in to online banking. Once enabled, you simply swipe down on the login screen to view your current and available balances, along with the five most recent transactions for each account. To perform any other functions, including transfers, a valid login in still required. Similarly, with Smartwatch Banking, Apple Watch and Android Wear users can now check balances, view recent transactions, and locate nearby ATMs or branches with a flick of the wrist, without logging in to the app. Go to Settings > Quick Balance to enable these features.  

Note: NEFCU Apps are generally designed for widely held devices with current software support from Apple and Google. Newer releases of NEFCU Apps may not be supported on older devices. If you are experiencing navigation issues, this is likely the cause.

NEFCU Mobile App *Direct Financial is a division of New England Federal Credit Union (NEFCU) and therefore you will need to download the NEFCU Mobile App. Look for this logo on the app.


Mobile Web gives you the ability to access your accounts from anywhere using a web-enabled mobile phone or wireless device. You can view account information, conduct transfers, and manage bill payments from any mobile device that has web browsing capability and a data plan.

To get started, just go to Depending on your screen size, you'll either be able to login as usual or you'll be presented with a link to "Login to Mobile Banking" instead. When you click this link, you'll automatically be redirected to a mobile website that has been optimized for your browser. When prompted, enter your username and password to login.

Text Message Banking is a quick and easy way to check your account balances and most recent transactions via a simple SMS text. You can even transfer funds into your primary account to make sure your purchases are covered. To get started, login to NEFCUOnline, click on Additional Services, and select Text Message Banking from the dropdown menu. Once you've activated your device, you can send any of the following keywords to 454545:

  • BAL = Primary account balance
  • BAL ALL = All account balances
  • BAL CHK = Checking account balances
  • BAL SAV = Saving account balances
  • LAST = Last 5 transactions
  • TRANS (amount) = Transfer funds to primary account
  • STOP = Deactivate service
  • HELP = Help on keywords

If you have a question or have run into an issue with mobile banking, please use this section for answers and solutions. If you don’t find your answer here, please contact us.

Mobile Banking

  • How do I download the Mobile App?

    Search for “NEFCU Mobile App” in the App Store or Google Play and then follow the instructions to install the application on your device.

  • How do I register for mobile banking?

    If you are registered for NEFCUOnline, no additional registration is required. You will simply need your username and password to login to your accounts.

  • What happens if I lose my phone?
    If your device is lost or stolen, it is unlikely that someone could access your account information unless they also know your username and password. However, to be safe, we recommend that you change your NEFCUOnline password immediately.
  • Is mobile banking secure?
    The same industry standards we have always employed to keep NEFCUOnline secure extend to our mobile banking service as well. After you enter your username and password, your account information is displayed only while you are using mobile banking. No personal data or account information is stored on your device. Currently, transactions are limited so that money cannot move to accounts or payees other than those you’ve established.
  • Is there a cost to use mobile banking?
    Mobile banking is free but standard data charges may apply. Please check your wireless plan or verify with your wireless carrier before taking advantage of these services.
  • What can I do to protect my security and privacy?
    Just as when you bank online from your computer, there are some simple steps you should take to ensure the security of your information and protect your privacy when you use mobile banking.
    • Protect your NEFCUOnline password. It is your key to accessing your accounts. Do not reveal it to anyone.
    • Memorize your NEFCUOnline password. Never store it on your mobile device, or write it on paper that you keep near your device or carry with you.
    • Do not choose passwords that incorporate your name, telephone number, address or birthday or those of any close friend or relative.
    • Never leave your mobile device unattended while using mobile banking.
    • Use your device's built-in lock function – set a password-protect for start-up or time-out.