A Neighbors Savings Account That Makes Sense, Not Cents

Our routing number is 081518210.

To open a savings account with Neighbors Bank:

• You have to be a citizen or a legal permanent resident of the United States
• You must be at least 18 years old

We cannot open accounts for non-resident aliens. Additionally, each customer may have only one Neighbors Bank savings account.

There's no minimum deposit required to open your account and no monthly service fees.

To open a Neighbors Bank savings account, you'll need to provide:

• A Social Security number
• A U.S. residential street address
• Legal name
• Birth date
• Valid driver's license or ID
• Funding account number and bank routing number

At this time, checking accounts are only available in person at our Clarence, Missouri, location.

Once your account is approved, you'll receive an email with instructions to get started (be sure to check your spam folder just in case).

From there:

• Go to the website or app
• Click "Not enrolled? Sign up now"
• Follow the prompts to set up your account

If you haven't made a transaction yet, you can enter zeros when asked for a recent transaction amount.

That code is part of multi-factor authentication, which helps keep your account secure.

Enter the code when prompted during login.

If you didn't request the code, it's a good idea to reset your password and give us a call so we can take a closer look.

There are no cash transactions available with your digital savings account. You have a few options for making withdrawals from your savings account, including:

• Transfer money to another bank account (ACH)
  Move funds to an external account in your name (Up to $10,000 per day/per transfer)
• Request a cashier's check
  We'll mail a check payable to the account owner

An ACH typically takes up to two days, while a cashier's check typically takes no longer than a full business week to arrive.

You can initiate a wire transfer for larger or time-sensitive transactions. If you would like to send an outgoing wire, please contact us by phone or via your online banking account to request a form.

The daily limit for outgoing wire exchanges is $250,000.

If you would like to send a wire to your Neighbors Bank account, you can use the instructions below:

Wiring Instructions

Bank Information
Midwest Independent Bank
PO Box 104180
Jefferson City, MO 65101
ABA# 086505273

For Credit To
Neighbors Bank
PO Box 308
Clarence, MO 63437
ABA# 081518210
Acct Number: 206185

For Further Credit To
Customer Name
Customer Address
Customer Account Number

No. We don't accept cash deposits. Here are the accepted ways to add money to your account:

• Remote check deposit using your mobile device
• Online transfers from other bank accounts (daily and per item limit of $50,000)
• Wire Transfer
• Direct deposit

To make transfers easier, we use a secure service called Plaid to connect your external accounts.

This allows us to quickly verify that the account belongs to you without delays.

If you'd rather not use Plaid or run into issues connecting, no problem. We can use microdeposits to verify your account instead.

Microdeposits are small test transactions (usually less than $1) sent to your external bank account to confirm it belongs to you.

Here's how it works:

• You'll see a couple of small deposits (and matching withdrawals) within 1-3 business days
• Once they appear, we'll ask you to confirm the amounts

If you don't see them after a few days, it could be a simple typo in the account info. Please contact customer service at 1-833-514-4190.

On the online banking login screen or in your Neighbors Bank banking app, click "Reset Password" and follow the steps to reset it.

If you run into any issues, we're happy to help.

If your phone is lost or stolen, contact your mobile carrier right away.

Your account is still protected by your login credentials, but for extra peace of mind, you can call us at 1-833-514-4190 to reset your login or temporarily freeze your account.

If your account isn't funded within 31 days, it will automatically close

You can deposit a check right from your phone using the mobile app:

• Log in and select "Mobile Deposits"
• Choose your account
• Enter the check amount (up to $10,000 per day)
• Endorse the check with:
  "For Mobile Deposit Only to Neighbors Bank" and sign your name
• Take photos of the front and back
• Submit

In most cases:

• Deposits made before 3 PM CT are available the same day
• Deposits made after 3 PM CT are available the next business day

In some cases, additional delays may apply based on our Funds Availability Policy.

In Online or Mobile Banking, ensure you have connected your external account using Plaid or Micro Deposits. Once connected, click "New Transfer" and complete the information for the transfer.

Transfers set up prior to 3:30 pm CT will be reviewed and processed that day. Transfers after 3:30 pm CT will be processed the next business day.

If something doesn't look right, give us a call right away. You can contact us at 1-833-514-4190 during these hours:

• Monday through Friday: 7:00 AM - 7:00 PM CT
• Weekends 8:00 AM - 5:00 PM CT

This number is provided in your account approval email. If you still do not have this email, please call customer service at 1-833-514-4190.

This can also be found in your online banking account or banking mobile app by clicking Preferences, then Account settings in the dropdown menu.

Yes, you may add another person to your account at any time.

You can call us at 1-833-514-4190 during these business hours:

• Monday-Friday: 7:00 AM - 7:00 PM CT
• Saturday-Sunday: 8:00 AM - 5:00 PM CT

We will send a form to complete any additional documents for your signature.

To close your savings account, you can call us at 1-833-514-4190 or send us a message in your online banking account. We will let you know the steps needed to complete the process.