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1. What is a NSB eSavings Account and who is Newtown Savings Bank?

High interest, FDIC Insurance, No maintenance fees, no service charges, no kidding!!!!!!!!
With a Newtown Savings Bank NSB eSavings Account, you earn a 0.85%* Annual Percentage Yield (11/29/2011) with the highest degree of flexibility, freedom, and security.

Open with as little as $25.
Accounts opened online require a minimum funding deposit of $25.00. However, there is no monthly minimum balance required after the account is open. A $10.00 balance is required to earn interest.

No fees. No service charges. No penalties. No hidden costs.
At Newtown Savings Bank, we won't charge you fees or service charges on your NSB eSavings Account. You don't need to scour the fine print. You earn high interest on your money with 24-hour access to your account and you don't have to change banks. Your money is available whenever you need it, simply log in and transfer funds into to your linked account from where you pay your bills, write checks, make debit transactions or cash withdrawals. When you open your account, it is automatically linked to one or all the accounts you have specified. You are limited to 6 withdrawls per month.

Start making more money on your savings right now.
You don't have to switch your bank; simply sign up to activate your NSB eSavings Account today and start earning interest that will actually amount to something. Apply Online!

Safe and Secure - FDIC Insured.
Your deposits at Newtown Savings Bank are FDIC insured.

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2. Do I have to change banks or close accounts?

No. The simple electronic transfer process works when you link any or all of your current accounts at another bank or financial institution. You can easily transfer funds from or to your NSB eSavings Account without charge. Once your account is set up, you may execute transactions via online banking at www.nsbonline.com. This automated technology is secure and ensures that your privacy and money are protected. Since you make deposits and withdrawals online, you have 24/7 access to making or scheduling transfers.

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3. How do I open a NSB eSavings Account?

Click Apply Online!

Once set up, we will send a small test transaction to each account. Within 15 business days you will need to log back into NSBOnline to verify the small transactions we've deposited to your linked accounts, all in amounts under $1.00. You will now be able to use the Bank to Bank Transfer function any time you choose.

Watch your money go to work earning interest rates that are far greater than the national average, day after day!

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4. How do I create regularly scheduled transfers into my Account?

Once you are logged on to www.nsbonline.com, you can complete and set up transfers by using the "Bank to Bank Transfer" section of the page. You can choose to make a one-time transfer, or schedule a recurring transfer between your NSB eSavings Account and your linked account(s).

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5. How do you keep my information and account secure?

As a Newtown Savings Bank customer, you can feel secure knowing that we are protecting you. Our security features are second to none and we continue to make enhancements as technology advances. Bottom line: Your money and information are protected from the moment you open your account.

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6. How much does the account cost, what are the fees?

Nothing! And remember, it costs nothing to open the account, so you have nothing to lose except the opportunity to earn substantially above the national average on your idle funds!

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7. Are there any minimum balance requirements?

No. No matter what your balance, you will enjoy earnings at a great rate! Keep in mind however, Accounts opened online require a minimum funding deposit of $25.00.

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8. How much interest will I earn and how is it calculated?

The current rate of interest on your Newtown Savings Bank Account is always posted on this web site. Interest is earned daily and credited monthly.

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9. Is the NSB eSavings Account FDIC-insured?

Your deposits in your Newtown Savings Bank are FDIC insured!

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10. What is a "LINKED" account?

The NSB eSavings Account is linked to an existing account(s) you have with us or any another financial institution, making it easy for you to transfer money whenever you want. You can electronically link your Newtown Savings Bank NSB eSavings Account to whatever existing account(s) you choose.

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11. How many and what type of accounts can I link?

You can link your checking and savings accounts at Newtown Savings Bank or any other bank. There is a limit of four (4) external accounts you can link to your Newtown Savings Bank NSB eSavings Account and you can add and delete links at any time, at no charge.

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12. How do I make deposits into my NSB eSavings Account?

All deposits and withdrawals are done using online banking at NSBOnline.com. The Bank to Bank Transfer function is used if funds are coming from our going to another Bank. Deposits and withdrawals pass between your linked funding account at other Banks and your NSB eSavings Account via the Automated Clearing House (ACH). This transfer will clear next business day provided you complete your transaction before 3:00 p.m. in a business day. If you have a Newtown Savings Bank linked checking account, the transfer occurs right away. (After 6:00pm it will process the next day.)

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13. When are deposits available for withdrawal?

Funds in your Newtown Savings Bank NSB eSavings Account are available for withdrawal via Internet transfer to your linked account(s) once the ACH transaction has cleared.

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14. How do I access my money?

You will continue to use the account(s) linked to your Newtown Savings Bank NSB eSavings Account to access cash, pay bills Online, write checks or make debit transactions. You can logon to www.nsbonline.com 24 hours a day, 7 days a week to initiate withdrawals electronically out of your Newtown Savings Bank Account to any of your linked accounts. IMPORTANT – Federal Regulations limit the number of transfer withdrawals to six per statement cycle. .

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15.How long does it take for money I withdraw from my NSB eSavings Account to appear in my linked account?

All funds transfer out of your Newtown Savings Bank NSB eSavings Account via the Automated Clearing House (ACH) and are available on the next business day for all transactions initiated before 3:00 p.m. EST. Check with your financial institution regarding the length of holds they may place on incoming ACH transactions.

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16. How do I get or change my login Password and/or ID?

Please call 800-461-0672 and a customer service representative will help you change your password or logon ID.

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17. How do I check the balance on my account?

Once your account is activated, your User ID and Password will function a) When you transfer funds at nsbonline.com and b) Obtain your account balance at www.nsbonline.com. If you have any questions about using the Newtown Savings Bank Internet Banking site please call 800-461-0672.

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18. What other financial products does Newtown Savings Bank offer?

At www.nsbonline.com, you will find information on our full-service banking products. Want a great rate on a car loan, or would like to find out about our competitive mortgage program? Check us out today. We're a community bank, right here in your area. Get the best of both worlds: We offer the human touch only a community bank can offer with the cutting-edge web-based technology banks many times our size are not able to provide!