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If you have questions about NEBA, you may find your answers below. If you don’t find what you want, or if you have further questions, Contact NEBA or call us at 800.937.6322.

General

What does NEBA do?
NEBA is dedicated solely to successfully helping its members grow their credit, debit and merchant programs. Chartered in 1969, NEBA has been bringing affordable, flexible and customizable bankcard services to banks for 40 years. As an association of bankers, NEBA is able to offer these services at reduced costs based on aggregated transaction volumes. Member banks also benefit from NEBA’s years of industry experience and expertise. NEBA partners with member banks to continuously improve their product portfolio and profitability.

Does NEBA work only with banks in New England?
While our roots and corporate offices are in New England, our members are based throughout the United States, the District of Columbia, Bermuda, Barbados and the Cayman Islands.

Why should I work with NEBA?

We’re here for your customers 24/7/365.

Customer service associates are here 24 hours a day, 7 days a week, and 365 days a year to ensure your clients can get answers to any question they have.

We know the industry like the back of our hands.

NEBA helps members navigate through the complex world of the card payment industry. We sift through the regulatory changes and make it easy for member banks to remain up-to-date with their card programs. NEBA is proud of its commitment to this level of dedicated service and expertise, keeping members informed of important changes in the industry.
We’re an association of bankers.
- No one understands the banking industry and the bankcard industry as in-depth.
We offer competitive pricing.
- NEBA membership allows you to share competitive pricing for premier processing system services.

What makes NEBA unique from other card product vendors?

Because we are an association of bankers with a focus on bankcard services, NEBA offers a unique understanding of both the banking and bankcard industries. We understand the banking industry, with all of its strengths, challenges and opportunities and we are experts in bankcard services. This is just one way NEBA is uniquely positioned to offer member banks a better perspective on how to manage their bankcard portfolios.

In addition, NEBA member banks are part of a community of bankers with a voice in the direction of the association and a trusted partner on their side. This community is what enables NEBA to bring value to its members through volume pricing.

Debit

Does NEBA provide debit and/or ATM driving?
Partnering with NEBA makes your ATM processing and driving easy. NEBA supports multiple transactions, including withdrawals, deposits, transfers, balance inquiries, statements, payments, PIN changes, and alternate media (stamps, phone cards, gift certificates and coupons); personalized transactions with customer preferences; customized text and graphics solutions remotely; and ATM monitoring.

What advantages does NEBA provide over going directly to a processor?
NEBA offers its members service excellence, feature-rich processing systems at group discounts, a growth-based incentive pricing structure, and a true partnership approach vs. client-vendor relationship. Multiple processing options are offered, as well as internet-based solutions and regional delivery of education and networking. Plus members can choose complete or partial outsourcing options:

Issuer program management and operations support
Acquirer program management and operations support
Marketing
Risk management

Credit

Why should my bank become an issuing bank?
Most bankers looking into becoming issuers want to gain more control over their credit card program. The biggest obstacle then becomes having the appropriate internal staff and process to manage the program. As an issuing bank with NEBA you get both. Control your own credit limits, underwriting and pricing and gain the knowledgeable support from the industry experts at NEBA. Click here for more information on these and other programs.

My current credit card vendor is unresponsive; I feel our program is too small for their attention. What level of support can I expect from NEBA?
NEBA prides itself on not only resolution of processing problems which arise, but more importantly, we assign an account manager to understand your business strategies and help you develop and implement tactics, products and services to achieve your goals.

We have a small community bank. How can our credit card program compete with regional and national credit card programs?
It is a misconception that small community banks cannot offer a competitive card program. NEBA’s processing and operation costs keep your expenses competitive and our product set and technology solutions allow you to provide virtually the same products as larger issuers.

We don’t offer credit cards. How can I make credit cards a profitable part of our portfolio?
Credit cards are generally the most profitable product a bank can offer; NEBA can show you how to design your program and pricing to achieve above average ROA’s.

I’m not sure if our credit card program is profitable and I’m struggling with the internal resources to support our cardholders. Can NEBA help me decide the future of my program?
Yes. We can show you how to analyze your program profitability, products and operations and provide recommendations for improvements.

Merchant

Our bank has a small merchant program. Will NEBA work with a member as small as us?
Whether you have just a few merchants or thousands, NEBA is not a one size fits all organization. We tailor our services to support all of our members` needs. With 40 years of expertise in the bankcard industry, we can customize a program to meet your challenges no matter how big or small.

What level of support does NEBA provide to a merchant acquirer?
NEBA provides account management services that will help identify your objectives and design a program that is right for you. You’ll have access to the most premier processing systems available, including training and education. Through NEBA’s partner, Primax, members receive all the operational support they need with 24/7/365 support, terminal deployment and training, and equipment purchase and maintenance programs.

How can I improve the profitability of our Merchant Card program?
NEBA can help you review your revenue options and pricing methodologies, and provides competitive pricing for processing and operations services; we can help develop pro formas and P&L statements to measure and manage your profitability.

We need a merchant program for our business customers, but don’t know how to get started?
NEBA can help you develop a business plan, formulate marketing strategies, and assist in much of the implementation.

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