We're primarily an online bank with only one physical location in Missouri. This allows us to keep expenses down and offer competitive rates to you.
With Neighbors Bank, you can bank online using your computer or mobile device, or by phone. We have Customer Service Representatives available 24/7/365 at 1-833-514-4190.
To open an account with Neighbors Bank:
We cannot open accounts for non-resident aliens.
Our minimum to open is $25. There are no monthly service fees!
You can withdraw funds (subject to certain withdrawal limits) by:
There are a few guidelines to withdraw transactions:
You can make unlimited deposits. But, federal law limits other electronic, telephone and check transactions to a total of 6 per statement cycle. These limited transactions can be to other accounts or to a third party. If you go over the limit, we charge $5 per transaction.
No. We don't accept cash deposits. However, there are several ways you can make a deposit into your account.
Midwest Independent Bank
PO Box 104180
Jefferson City, MO 65101
For Credit to:
PO Box 308
Clarence, MO 63437
Acct Number 206185
For Further Credit to:
Customer Account Number
Like most banks, we gather this information to:
This won't impact your credit score.
Look at the bottom of a check from your external bank account to find the routing and account numbers needed to fund your Neighbors Bank savings account.
Microdeposits are two small (less than $1 each) deposits sent to your funding bank account to verify ownership of the account.
When we issue these microdeposits to your account, we issue two small withdrawals and to offset those withdrawals we issue two small deposits simultaneously. You'll see these deposits/debits in your bank account within 1-3 business days as separate items on your bank statement. An email will automatically be sent to you asking you to verify the microdeposits.
If you’re not seeing the amounts after 3 business days, it’s possible the bank account information may have been entered incorrectly. Please contact Customer Service at 1-833-514-4190.
With Neighbors Bank, you can call us 24/7/365 at 1-833-514-4190, or use our secure message portal in your Online Banking.
Shortly after your account application has been accepted, you should receive an email (check your Junk folder if you do not see it at first) and a text message inviting you to Online Banking. Follow the instructions to get set up! Your Username will be your email address and your Password will be the 6-digit code texted to your mobile device.
This code is your temporary password to sign up for Online Banking. Check your email for a message from Neighbors Bank with instructions about how to complete setting up your Online Banking
This could happen if we don’t have your correct phone number. Call us at 1-833-514-4190, and we can instantly resend you a new code!
From the Online Banking login screen:
It depends on the type of device you’re on. If you’re on a personal computer/mobile device that you use frequently, it’s a good idea to register it. If you’re on a friend’s computer or a computer used by the public, you should not register it.
Visit Apple App Store and download the app by clicking “Get.” Go back to your home screen and find the downloaded Neighbors Bank app. Sign in with your online banking username
Visit the Google Play Store and download the app by clicking “Install.” Go back to your home screen and find the downloaded Neighbors Bank app. Sign in with your online banking username and password as normal and enjoy 24/7 access to your account.
With our Mobile Banking, you can:
If your phone is ever lost or stolen, you should notify your carrier right away. No one can get to your Neighbors Bank account information without knowing your username and password, but you can always call us at 1-833-514-4190, and we can reset your login information right over the phone.
While logged in to the Neighbors Bank Mobile App, find “Deposit Check” in the dropdown menu.
If the check is deposited before 4 p.m. ET, it will typically be available the same day. Checks deposited after 4 p.m. ET will typically be available the next business day.
In Online Banking find the “Move Money” tab and select External Transfers. Select your name as the client and hit go. The dropdown menu in the blue bar at the top of the screen will help you navigate External Transfers. If you are transferring money to an account at another institution for the first time you will need to “Add External Account.”
If you suspect you might be a victim of identity theft or financial fraud, contact our customer service hotline 24/7 at 1-833-514-4190.
You will find your account number on any of your online statements. You may also reach out to customer service 24/7/365 at 1-833-514-4190
Our routing number is 081519565.
Please call customer service 24/7/365 at 1-833-514-4190.
Since we are an online bank, we send your statement directly to your Online Banking every month. You can access your statements 24/7 by logging in to Online Banking on a computer and clicking the “Statements” tab. If you choose to download your statement, you can save it to your computer or print it for your records.
You can always call us at 1-833-514-4190 to close your account.
The maximum balance allowed in your Online Savings Account is $250,000. You will be precluded from adding funds to the Online Savings Account once the balance reaches $250,000. Interest earned will not count towards your maximum balance allowed and will continue to earn interest even if the balance with interest exceeds $250,000. If your Online Savings Account was opened prior to May 6, 2020, you will be “grandfathered” in and allowed to keep an excess of $250,000 in your account.
If you deposit funds that cause your Online Savings Account balance to exceed the applicable maximum deposit limits by greater than or equal to $1,500 (or such lesser amount as determined by the Bank in our sole discretion), you authorize us to return the full excess deposit balances to you via check, or, subject to applicable authorization requirements, via ACH Transfer or wire transfer. If we receive a wire transfer or ACH Transfer from you for deposit and the deposit would cause you to exceed the applicable maximum balance limits, we may, in our sole discretion, reject and return the wire transfer or ACH Transfer, in accordance with applicable requirements.