Frequently Asked Questions

The upgraded digital banking will be available this March!

Desktop: Login into online banking by clicking “Online Banking Login” on the top right of the ngfcu.us homepage.

• For your security and protection, your password must meet the standard minimum requirements. Upon first logging in, you will be prompted to review and update your password, though you may elect to keep your current one if it meets the requirements.

Mobile app:

• iOS users should receive an automatic update. If there is a delay, you can manually download the new app from the App Store^®.
• Android users must download the new app from Google Play^®. The old app has been disabled.

We've redesigned our digital banking to make your financial life easier with a fresh, easy-to-use interface. You'll enjoy a consistent experience whether you're online or on your mobile device, and you will have access to new features that allow you to personalize your banking with more self-service capabilities.

Upon first logging in, you will be prompted to review and update your password, though you may elect to keep your current one if it meets the requirements.

If you ever forget your credentials, just click “Forgot Password or Username” on the login screen online or in the mobile app. You will be asked to verify your identity.

Desktop: Login into digital banking by clicking “Online Banking Login” on the top right of the ngfcu.us homepage.

• For your security and protection, your password must meet the standard minimum requirements. Upon first logging in, you will be prompted to review and update your password, though you may elect to keep your current one if it meets the requirements.

Mobile app:

• iOS users will receive an automatic update. If there is a delay, you can manually download the new app from the App Store^®.
• Android users must download the new app from Google Play^®. The old app has been disabled.

No. Past secure messages will not be transferred to the new system.

You can easily sign up for the new digital banking on a computer or mobile device with the new app. Simply click “Enroll in Online Banking” in the login area and follow the steps to complete your enrollment.

The upgraded digital banking works on the two most recent versions of Chrome, Safari, Firefox, and Edge browsers.

The mobile app is available on Apple^® and Android^® devices using one of the two most recent operating systems.

We’re here to help you with whatever questions you have.

• Call: 800.633.2848 (Select Option 1, then Option 1 again to reach our Digital Support Team directly.)
• •  
• Secure Message: Log in to the upgraded digital banking platform and send us a secure message through the Message Center.
• Email: DigitalSupport@ngfcu.us
• Visit Your Local Branch

If you don’t remember your password or username, simply click “Forgot Password or Username” on the login screen online or in the mobile app. You will be asked to verify your identity.

For your security and protection, your password must meet the standard minimum requirements. Upon first logging in, you will be prompted to review and update your password, though you may elect to keep your current one if it meets the requirements.

Yes, joint owners can log in the same way they always have by using their existing account credentials.

No. You'll be able to view all the accounts you have ownership of using just one single login.

Yes. After you log into the upgraded digital banking, you will be able to change your username or password under Settings.

If you forgot your username or password, click “Forgot Password or Username” on the login screen online or in the mobile app. You will be asked to verify your identity.

Utilizing a strong and unique password is important in keeping your digital banking account secure. Avoid using the same password for multiple purposes.

Using multi-factor authentication further secures your account with either phone, text, email or authenticator app codes that must be provided to gain access.

NGFCU will never contact you to ask for these secure codes; if you are asked for this information, contact us directly to verify.

iOS users will receive an automatic update. If there is a delay, you can manually download the new app from the App Store^®.

Android users must download the new app from Google Play^®. The old app has been disabled. 

If your device offers Face or Touch ID, you’ll be asked if you’d like to set this up within the mobile app.

Yes. You can download the digital banking app to your tablet or iPad.

Yes, Zelle^® will continue to be available in the upgraded digital banking using the mobile app.

Your transaction history will also be available.

Different institutions can use different scoring models, and different update timing could also make the score slightly different.

As a reminder, the score that shows is not your actual FICO score that would show on your official credit report.

You will now be able to see all accounts you have ownership of, including joint account(s), in your Dashboard and Account views. If you do not wish to see these accounts, you can easily hide them from your Dashboard or from your entire digital banking experience (e.g., Transfer and Pay sections).

You must first enroll in external account linking through NGFCU digital banking before you can link accounts from other financial institutions.

Desktop Enrollment

• After logging into digital banking, navigate to the Settings Widget
• Click the Accounts Tab
• Click + Link an External Account on the top right corner
• Follow the prompts to Add an External Account
• Select the Edit icon to add a nickname to personalize your account.

Please note, login credentials are specific to the selected financial institution and might include two or more inputs such as a username, password, questions, tokens and other multi-factor authentication inputs required for a successful login.

Viewing Your External Account

After providing the initial login and multi-factor authentication credentials correctly, you will receive a success message. The system will begin retrieving account details such as name, balance, or type, and read transactions within 60 seconds. Your external account details and transactions can be viewed in the Accounts or Dashboard widgets.

Mobile Enrollment

• Open the NGFCU App on your iOS or Android Device
• Go to Accounts
• Go to the end of the Accounts list and tap Link and View External Accounts
• Enter the financial institution name in the search box.
• Please note, if you tap X in the upper-right corner to close the Link Accounts screen, it exits the flow prematurely.
• A message will appear notifying you that the accounts are syncing as the addition of the external account processes. A second message will appear when the process is completed. Click Save and Finish. The external accounts are then available on the Accounts list.
• Go to Settings, click on Accounts and select the account to add a nickname to personalize your account.

•  
• Savings
• Checking
• Credit Cards
• Line of Credit
• Mortgage Loan
• All Other Loans
• Investment Accounts

No. There is no cost to add your external accounts to your NGFCU Digital Banking.

Daily, please note that some accounts will not automatically refresh if the other financial institution requires multi-factor authentications. If they use multi-factor authentication, then you must refresh your credentials by navigating to settings, then accounts and clicking on the aggregate account you would like to be updated.

Ensure the login information for the financial institution you are attempting to link is correct. If your information is accurate, and you are still having an issue, and see a yellow alert icon or the Balance as of…. Date is old, you must refresh the data manually.

Navigate to Settings, then Accounts. Go to External Accounts, there you will see a section with icons to update your credentials, edit, and delete the account. Please note, once the account is deleted, all transactions, balance, budget and categorization information will be lost for the account.

All accounts will be displayed under an External Accounts heading in Settings under Accounts. External Accounts will appear on your dashboard and also in Settings under the Accounts section.

No, you will not have access to view external account statements within NGFCU Digital Banking.

Yes. All your payee and payment information will still show in the upgraded digital banking.

Once you log in, you’ll notice a change to the look and feel of your account dashboard, but all your account info will be the same.

Yes, your scheduled transfers will continue in the upgraded digital banking system.

Managing your finances just got a lot easier! NGFCU has a feature in Online and Mobile Banking that lets you track your spending and savings goals. With this handy tool you can monitor expense categories, set financial goals, and track your progress.

Use this feature to track and categorize your spending across all your accounts and get an idea of where your money is spent throughout the year. This tool also lets you set savings goals.

All your NGFCU account transactions (including debit transactions, checks, and ATM withdrawals) will be categorized under the spending feature.

To access this feature, simply select Savings Goals from the Financial Wellness dropdown menu in Online Banking or within the Mobile Banking menu bar.

Once you click on Spending tab, you’ll see a chart with your expenditures broken out by category. You may change the name of any category, so it’s customized to your spending.

Savings goal setting is at your fingertips. The goals you set for different purchases act as virtual reminders so you can see how much you have allocated toward your goal within your total savings balance.

Let’s say you have two NGFCU Savings accounts – a Share Savings and a Money Market.

1. From the widget, create a goal (such as buying a new phone). The system will ask you to choose the account where you want this goal to reside.
2. Choose the category of your goal from a dropdown menu, then set the goal amount and the target date to reach your goal.
3. Start saving towards your goal! To add money to your $500 new phone goal, simply click “add money” and transfer any amount from any of your accounts. Your Savings balance will increase by the amount you transferred. You can also add money from within your savings account, shifting funds virtually toward your goal.

Whether you’re saving to purchase a new car, or home or anything else, NGFCU can help you reach your financial goals.

Credit Score is a comprehensive Credit Score program powered by SavvyMoney and offered by NGFCU to help you stay on top of your credit. You get your latest credit score and report, an understanding of key factors impacting your score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how NGFCU can help save you money.

Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported, or an inquiry has been made. Monitoring helps you keep an eye out for identity theft.

Credit Report provides you with all the information you will find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. When you check your credit report, there will be no impact to your score.

No. Credit Score is entirely free, and no credit card information is required to register.

If you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed Credit Score widget from within online banking.

Yes. Credit Score will monitor and send email alerts when there’s been a change to your credit profile.

Yes, Credit Score is available for both mobile and tablet devices and is integrated inside our mobile application.

No. NGFCU uses its own lending criteria and credit bureau reports to make a credit decision. Credit Score is an educational program that can help you manage your credit so when it comes time to borrow for a big-ticket purchase – like buying a home, car or paying for college, you have a clear picture of your credit health and can qualify for the lowest possible interest rate.

Credit Score uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

Different institutions can use different scoring models, and different update timing could also make the score slightly different.

As a reminder, the score that shows is not your actual FICO score that would show on your official credit report.

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—that use slightly different scoring models. Financial institutions use different bureaus, as well as their own credit scoring models. Over 200 factors of a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical or produce the exact same score.

Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to obtain a free credit report available from all three major credit bureaus from www.annualcreditreport.com –and filing a dispute with each bureau individually. Alternatively, you can reach Experian at 888.397.3742 or Equifax at 888.378.4329 to file a dispute.

No. Checking Credit Score is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

Credit Score pulls your credit score based on the information of the primary account holder. If a joint account holder would like to benefit from this service, they can set up their own NGFCU membership where they are the primary account holder. They can visit one of our branches, or ngfcu.us and apply for Membership.