NewBridge Bank Online |
NewBridge Bank Online General |
What if I forget my NewBridge Bank Online User ID? |
| If you forget your User Identification, you can contact NewBridge Bank's Call Center at (800) 456-6505 during regular banking hours. |
What should I do if I forget my password? |
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If you forget your password, you can click the Forget Your Password link on the NewBridge Bank Online Login page. You then must complete the following steps.
Alternatively, you can contact a NewBridge Bank Online customer service representative, who can reset your account password after you answer your Secret Question. |
Are there fees associated with accessing my statements through NewBridge Bank Online? |
| NewBridge Bank Online does not charge a fee for accessing your statements online. |
NewBridge Bank Online Functionality |
What features and services does NewBridge Bank Online provide? |
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What bank account information is available through NewBridge Bank Online? |
| You can view current balances on your checking, savings, time deposit, installment, mortgage, commercial, equity line, prime line or credit reserve accounts. For checking and savings accounts, you have the option of viewing or downloading up to three months of transaction history. |
How much past account information can I view? |
| NewBridge Bank Online allows you to view up to 16 months of account history, including transactions not yet reported on a statement. |
Can I view or print a copy of a check? |
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Yes, you can view images of checks that have posted to your account. You can also print or save a copy of the image for your records by clicking on the appropriate button. |
What options are available for Funds Transfers? |
| You can transfer money to/from your checking account, savings account, credit reserve or prime line accounts. Also, you can make payments to your mortgage loan, installment loan, equity line, prime line or credit reserve account from any of the accounts listed above. You may specify that a transfer occurs ASAP or you may specify that a transfer occurs up to one month in the future. The transfer cut-off time for the current day 's (ASAP) processing is 8:00 p.m. Transfers initiated after 8:00 p.m. will be processed on the next business day. |
Can I order checks online? |
| Yes, current NewBridge Bank Online customers can order checks online if you have placed an order in the last 6 months. Charges for check orders are based on the type of account you have. If you have questions, please contact (800) 456-6505 during regular banking hours. |
Passmark Multifactor Authentication |
What is PassMark Multifactor Authentication (MFA)? |
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The PassMark Multifactor Authentication (MFA) Solution is an enhanced online security feature that is now a standard part of your NewBridge Bank Online logon. As a part of our ongoing commitment to help protect you against identity theft and fraud, PassMark Multifactor Authentication provides you added safety by helping ensure that only you can access your bank account. Your PassMark Multifactor Authentication personal security image is a picture and caption that is a shared secret between you and the bank. When you see your personal security image, you can be confident that you are at the legitimate bank web site, not an imposter site. In addition, the PassMark Multifactor Authentication Solution remembers which computer(s) you normally use, preventing potential fraudsters from logging into your account even if they somehow get hold of or guess your username and password. |
How does PassMark Multifactor Authentication (MFA) Security Solution work? |
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Our new security solution provides you added safety by helping ensure that only you can access your bank account.
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Why do I need PassMark Multifactor Authentication (MFA) solution? |
| On the Internet today, fraudsters attempt to steal your identity by impersonating the web sites you trust. The PassMark Multifactor Authentication enhanced security feature helps us to proactively protect you, our customer, against such attacks. In addition, you can ensure that we also recognize you as the true owner of your account. If we don't recognize your computer, we will ask you one of your challenge questions as an additional line of defense against unauthorized access to your accounts. |
How is PassMark Multifactor Authentication more secure? |
| PassMark Multifactor Authentication protects you from accidentally revealing your username and password to a fake site. In addition, if someone does somehow get your username and password, he will still not be able to access your account because he is not at your registered computer and cannot answer a challenge question to verify their identity. |
How do you know I am logging in from my own computer? |
| When you logon for the first time from a new computer, we put a secure (encrypted) cookie on your computer. This cookie contains a randomly generated unique number that identifies your computer. The cookie is visible only to the bank web site and does not contain any of your personal information. When you logon after that, your web browser sends us this cookie. This lets us know that this is your computer. |
Can I access my account from multiple computers? |
| Yes, you can still access your bank account from any number of computers and still have the same PassMark Multifactor Authentication protection. If you logon from a new computer or a public terminal, you will just need to go through one extra step of answering a challenge question. This helps protect you by keeping unauthorized people from accessing your valuable information. There is no limit on how many different computers you can use to logon to your bank account. |
What keeps somebody from stealing my personalized picture and caption? |
| We only show you your personal security image and caption if you logon from your own computer, or after you have answered a challenge question. So, it is not possible for an unauthorized person to access your picture. |
Why am I being asked a question when I try to logon? |
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We ask you a challenge question when we detect that you are trying to logon from a new computer. This is to prevent someone with stolen passwords from logging into your account. Since only you know the answer to the questions, we will know it's really you. Generally you will be asked to answer a challenge question only when you logon for the first time from a new computer. After you answer the question, you will be asked whether we should remember this computer for future logons. If you are using a personal computer, you should answer yes. If you are using a public terminal, you will want to answer no. |
I am trying to logon from my own computer, but the bank's web site is not showing me my PassMark Multifactor Authentication image and caption. Instead, it is asking me a question. What is happening? |
| This might happen in cases if you have deleted all cookies on your computer. Before answering a challenge question or entering your password, make sure that you are going to the legitimate bank web site. The easiest way to ensure this is by typing the URL of the bank (www.newbridgebank.com) directly into your web browser. Then, after you answer the challenge question, you should see your secret image and caption next to the password field. If your PassMark Multifactor Authentication image and caption is there, you can be confident that you are at the legitimate web site and can enter your password. |
Does PassMark Multifactor Authentication use flash objects? |
| Yes. If you have Macromedia Flash installed on your computer, we will use Macromedia Flash Objects to identify your computer in the event that we can't identify your cookies. By using Flash Objects as a backup method for recognizing you as a valid user, we ensure that your logon experience is as quick and convenient as possible. |
Using Your Account |
What are nicknames? |
| Nicknames are names that you assign to your accounts to help you easily identify them in NewBridge Bank Online. You may choose a nickname at any time. These nicknames do not affect your ATM/Debit card or account statements. |
What is the difference between my "ledger balance" and "available balance"? |
| Your ledger balance is your beginning-of-the-day balance. Your available balance is your beginning-of-the-day balance plus or minus any of "today's credits" or "today's debits." For example: your ledger balance is $100. Today's credits total $25 (you deposited $25 at your branch), and today's debits total $10 (you took $10 out at an ATM). Your available balance would be $115. Note: Other transactions may be credited or debited to your account throughout the day. |
What is a Memo Credit or Memo Debit? |
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Memo Credit or Memo Debit refers to pending transactions that have not yet posted to your account. Transactions made with your ATM or Debit Card using a PIN typically are processed and posted to your account on the same day that the transaction is made or on the next business day. Transactions made with your Debit Card, without your PIN, may take up to five business days to post to your account. In some cases, the amount of the pending transaction may not match the actual amount of the transaction. This is common. Some merchants, including restaurants and hotels, will place an initial hold (known as an "authorization" hold) on the account for a dollar amount that could be higher or lower than the transaction. This initial hold is placed to ensure that you have enough funds in your account. This type of hold is credited back to your account by the next business day, and once the transaction has been completely processed, which may take several days, the actual amount of the transaction will be posted to your account. Direct Deposits or Automated Clearing House (ACH) transactions may also be part of a Memo Credit or Memo Debit. Any payrolls or drafts pending could appear prior to midnight processing. These transactions will post the same business day. In addition, any NewBridge Bank Online or NewBridge Bank Telephone Banking pending transactions, such as transfers or bill payments, set for that days posting will be reflected in the Memo Credit or Memo Debit activity. If you make a cash deposit with a teller, a Memo Credit will be displayed. If you cash a check or a payee comes in to cash a check on your account, a Memo Debit will appear. |
When will my funds become available? |
| Transfers you submit on bank-business days before the daily cut-off time, 8:00 pm ET, will be credited to your account on the same day. Transfers submitted after the cut-off time, 8:00 pm ET, or on a non bank-business day will be credited on the next bank-business day. |
Why is there only 90 days Advanced Search when you can have up to 16 months of account history? |
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Attempting to pull back more than 90 days can create performance issues for the end user, especially over a slow dial up connection. |
Can I set-up online alerts or notifications related to my checking account? |
| Yes, online alerts can be set up to notify you of important events related to your checking account. For example, you can set up an alert that notifies you via e-mail that your account balance has dropped below a particular amount. To set up these alerts, sign in to NewBridge Bank Online, select the Maintenance tab and then select the Notifications link. |
How do I terminate the use of this service? |
| If you wish to terminate your access to your personal accounts with NewBridge Bank, please contact us at 1-800-456-6505 or at info@newbridgebank.com |
Export Features |
Can I use Quicken or Microsoft Money with NewBridge Bank Online? |
| Yes. You can download your account activity using either Quicken or Microsoft Money. With Quicken, you can download the information to Quicken using either a Web Connect or QIF format. You can download into Microsoft Money using either an Active Statement or QIF format. Or, download your account information into a plain text format. |
What is Web Connect? |
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Web Connect allows you to automatically download your transactions from NewBridge Bank Online, launch your Quicken software, and reconcile your transactions all in one easy step. With Web Connect, there is no more searching for downloads and importing Quicken Interchange Format (QIF) files, and no more duplicate transactions due to multiple QIF downloads. |
What is Active Statement? |
| Active Statement is a feature that simplifies the download process when you use Microsoft Money financial management software. It allows you to automatically download your transactions, launch your Microsoft Money software, and reconcile your transactions all in one easy step. Active Statement download eliminates duplicate transactions due to multiple Quicken Interchange Format (QIF) downloads. |
What is QIF download? |
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Quicken Interchange Format (QIF) download is a process that allows you to transfer your account information and transaction history from NewBridge Bank Online to a file with a .QIF extension (similar to a .doc or .xls file extension). This file can then be imported into compatible financial management software of your choice, such as Quicken or Microsoft Money. Please Note: If you have any questions about how to import a QIF file into your software program, contact your financial software provider. They will be your best source of assistance. |
How do I download my checking account information? |
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If your browser is Microsoft Internet Explorer: 1. From the checking account history screen, click on the "download history" button. If your browser is Netscape: 1. From the checking account history screen, click on the "download history" button. If your browser is AOL: 1. From the checking account history screen, click on the "download history" button. All history will be downloaded, if selected, even if it already exists in your Quicken. Once you down load information into this product, you will need to delete duplicate entries. |
Who can I contact for technical questions involving Microsoft Money or Quicken? |
| If you are experiencing technical difficulties with Microsoft Money, you may visit their website at www.microsoft.com/money/support.mspx. For questions concerning Quicken, please click here. |
NewBridge Bank Online BillPay |
What is NewBridge Bank BillPay? |
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NewBridge Bank BillPay permits you to use your internet connection, through NewBridge Bank Online, to schedule payments from your checking account to third parties you wish to pay. Through NewBridge Bank Online, you can make payments to any business or individual within the United States from the checking account you specify in the NewBridge Bank BillPay Application. |
What are some options available with NewBridge Bank BillPay? |
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1. Schedule Multiple Payments at Once: The Quick Pay screen allows you to schedule multiple payments on the same screen. Frequently Used Merchants will appear on the list. 2. Designate a Payment Date: On the NewBridge Bank BillPay screen, you have the ability to request the specific date that a bill should be paid. 3. Recurring Payments: You have the ability to schedule recurring payments to be made automatically. Payments scheduled on a bank holiday or weekend will be processed the next banking day. 4. Pending Transaction: This option allows you to view pending bills to be paid based on the payment date you provided. 5. Bill Payment History: You can view NewBridge Bank BillPay requests that have already been processed. NewBridge Bank BillPay history can also be downloaded into personal financial software, such as Quicken or Microsoft Money.* *Some restrictions may apply. Only versions from 2004 and older of Intuit's Quicken product are supported. Quicken 2005 and newer versions require Web Connect. Unfortunately, at this time, the enhanced BillPay system does not support downloading to Web Connect. All versions of Microsoft Money are supported. |
What are provisions regarding NewBridge Bank BillPay? |
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1. NewBridge Bank BillPay requests initiated after 2:00 p.m. will not be processed until the next banking day. 2. Funds must be available in your NewBridge Bank BillPay Account on the date you instructed the bill to be sent or you will be subject to any overdraft fees that apply. 3. If funds are not available on the date indicated, it will be your responsibility to make a deposit to clear any overdrafts. 4. A NewBridge Bank BillPay request should be made at least five business days prior to the due date of the bill. 5. There will be no disclosure of NewBridge Bank BillPay information to third parties except where it is necessary for completing transfers, you have given us written permission, or to comply with government or court orders or other reporting requirements. |
What is the maximum amount for any one payment? |
| There is a pre-determined limit on the amount you can pay. If you are having problems, please contact Customer Service. |
Will payments made through NewBridge Bank BillPay show on my NewBridge Bank checking account statement? |
| Yes. NewBridge Bank BillPay transactions will show on your checking account statement as an ACH draft payment to the merchant regardless of the payment method. |
When will the payment be deducted from my NewBridge Bank checking account? |
| All same-day payments requested before 2:00 p.m. on a business day will be deducted from your NewBridge Bank BillPay account within 1-2 business days. If the payment occurs after 2:00 p.m., then the payment and the deduction from your NewBridge Bank BillPay account will occur within 2-3 business days. |
How do I verify that I have sufficient funds to allow a bill payment request to be processed? |
| Prior to submitting a bill payment online, check the available funds in your NewBridge Bank account through the "Account Statement" details page. You will also need to consider any outstanding checks or recurring drafts that are waiting to be cleared. |
How do I sign up for NewBridge Bank BillPay? |
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Before you can enroll in NewBridge Bank BillPay, you need to be enrolled in NewBridge Bank Online. You may enroll in NewBridge Bank BillPay by accessing the Bill Payment tab within NewBridge Bank Online. To get started, you will be presented with the BillPay disclosure, from which you will need to check the "Read and Accept" box. The "Getting Started" page will then appear and you may begin setting up a customized merchant list. |
How do I use NewBridge Bank BillPay? |
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Once you have signed up for NewBridge Bank BillPay, there are two basic steps to help you save time when paying your bills.
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How are my bills paid? |
| An official check or an electronic ACH debit is sent as payment to the merchant you specify. The method is based on the preference of the merchant. The first payment to a merchant needs to be scheduled at least five (5) business days before the payment due date. At that time, it is not known if the merchant accepts electronic payments or if a check must be printed and mailed. On subsequent payments, a message will be displayed indicating a two (2) business day lead time for an electronic payment or a five (5) business day lead time if a paper check will be created for payment delivery. If the payment is made by paper check, it will be sent by regular mail. |
Why do I need to enter my account number for the merchant when initiating a payment? |
| As part of NewBridge Bank's Bill Payment service, you have the ability to reference your account number with that merchant when the payment is submitted. This feature will ensure your payment is applied to the correct account with that merchant. The reference field can be entered as alpha-numeric. |
Is there a cutoff time for me to cancel or change a payment scheduled for today? |
| You can review, change or cancel a payment at any time. If the payment is scheduled for that day, the change or cancellation must be before daily settlement time (2PM Eastern Time). The system displays an error message if you attempt to modify a payment after this deadline. |
How do I add a merchant/payee to my list? |
| Using the Merchant/Payee Accounts option, select Add Merchant/Payee and then complete the requested fields. |
Do I need to notify my merchants before I begin using NewBridge Bank BillPay? |
| No, there is nothing different that they need to do. |
What types of payments should I avoid through NewBridge Bank BillPay? |
| You may not use NewBridge Bank BillPay to make payments of alimony, child support, taxes, any other government fees or court-ordered payments or to settle securities purchases or make payments to interest-bearing accounts. Payments for these merchants will be your sole responsibility if delayed or improperly processed or credited. |
How many days before the due date do I need to make a payment? |
| Unless otherwise specified, we recommend that you specify a payment date at least 5 business days before the due date to ensure your payment reaches its destination on time. |
How far in advance can I set up a payment? |
| Payments can be set up as much as 18 months in advance. |
The Bill Pay system says "Schedule payment at least 5 business days before due date". What does this really mean? |
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The number of days before the payment due date is called "lead time." Lead time covers the time required for the merchant/payee to receive and post the payment (assuming the merchant/payee address and account number are correct). This does not guarantee when the merchant/payee will post the payment. The day that the payment was processed is not included in the lead time. Lead time should be used with discretion, since only user experience with the merchant/payee will determine the number of days the user should allow for actual posting of the payment. |
What if my recurring or one-time payment falls on a non-business day? |
| One-time payments cannot be scheduled for non-business days (such as weekends or Federal holidays). Recurring payments are scheduled payments set up to happen on the same day or date each month (for example: each 15th). If one of these recurring dates falls on a non-business day, the payment is processed on the preceding business day. |
What should I do if my merchant does not receive the payment or I have received a late notice? |
| First, you should verify that it has been five business days since you requested the payment. Next, contact the merchant/payee directly to verify that your payment and late notice did not cross in the mail. While you have the merchant on the phone, verify that the merchant 's address and account number on the NewBridge Bank BillPay service for that particular payment is correct. Finally, confirm that your payment was processed by using the "Payment History" option. View the payment details and select "Research Request" to initiate a payment investigation. |
Is there a way I can verify online that a merchant/payee received my payment? |
| If payment was made to the merchant/payee by check, you can determine if the check has been cashed by viewing the payment details under payment history. Actual verification needs to come from the merchant/payee. If the payment was made via electronic remittance, then you must contact the merchant/payee to verify that the payment was received and posted. |
What happens if the information I have entered into NewBridge Bank BillPay for a particular merchant changes? |
| When information for a particular merchant changes, such as an address, you will need to "Merchant Accounts", select the merchant, click "Details" and reenter all information. |
Why do I get a confirmation number when I make a payment? |
| Confirmation numbers are provided for all confirmed or modified payments. This is your assurance that a payment will be processed on the date it is scheduled. It is also a reference number that can be used for requesting research. |
The payment history showed that my payment was "Processed", but my bank account has not been debited. Should I schedule another payment for this merchant/payee? |
| No. Anytime a payment shows a status of "Processed" in the Payment History, this means that the payment went out to the merchant/payee successfully. The debit to your account can take up to 3 business days to post to your bank account. |
How will I know if a payment was processed successfully? |
| The Payment History will show a status of "Processed" for that particular payment. However, this does not guarantee the merchant/payee received or posted this payment. |
How will I know if a payment failed? |
| The Payment History will show a status of "Failed" for that particular payment and the system will send you a message to let you know the payment failed. The most common reason for a failed payment is insufficient funds in the account used to make the payment. |
How will I know if an automatic payment instruction has expired? |
| You will receive a Final Payment secure message notifying you the last scheduled payment has been processed. You can modify and reschedule your payment if you wish to continue it. |
How will the merchant know to credit my account with the payment? |
| When you initiate a payment using NewBridge Bank BillPay you must enter your account number for the merchant. This number is referenced as part of the bill payment service. |
Do I have to re-enter payments each month? |
| You can set up automatic payments of the same amount so you do not have to re-enter them each month. |
Is there a way to see previous payments? |
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Payment history is retained for 7 years. You may search for past payments by using one or a combination of the following:
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How do I cancel a bill payment? |
| Recurring or pending payments can be canceled as long as they are deleted prior to 2 p.m. on the business day the transaction is scheduled to transmit. For payments established as recurring, you will need to modify the merchant information prior to the date of the payment. For payments to be processed on the day you are requesting the cancellation, you will need to go to "Payment Calendar," select the bill to be canceled, and then click "Delete." |
May I place a stop payment on a NewBridge Bank BillPay request which has already been processed? |
| Yes. Once a NewBridge Bank BillPay request has been processed, you can select the payment from the "Payment Calendar" and click "Research Request" on the Payment Details page. You may also cancel a bill payment request before it is processed. |
Can I receive an email to let me know that the system has sent me a secure message? |
| To indicate when you want to receive an email, select Personal Information, Alerts. On this screen you can choose which incidents should generate an email. |
How do I send a secure message to Customer Service? |
| When you select "Compose New Mail" from the menu, a "Send To" drop-down selection is presented. Select the appropriate recipient and click the "Create Message" button. |
Can I send a secure message to one of my merchant/payees? |
| No, you may only send a secure message to us. |
Can I pay someone who does not appear on my list? |
| Yes, simply add the merchant/payee to your "Merchant List" in order to make a payment to them. |
NewBridge Bank Online eStatements |
What are eStatements? |
| eStatements are electronic versions of your paper statement. Viewable copies of your NewBridge Bank checking, savings, money market, and relationship accounts are available through NewBridge Bank Online. |
What features and services does eStatements provide? |
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Is there any special software needed to view my statements online? |
| Yes. Your statement is presented in a PDF format through Adobe Reader. To download a FREE version of Adobe Acrobat Reader, click on the www.Adobe.com link and follow the instructions after clicking on the Get Adobe Reader button. |
How many statements can I view online? |
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You can view up to 18 months of account statements through NewBridge Bank Online. |
How can I print and save a statement of my checking account? |
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When you sign on to NewBridge Bank Online, you can view or print your statement by selecting the "View eStatements" link found on the Account Detail page. Once the desired statement is displayed, simply select File and Print for Text formatted statements or the Printer icon within Adobe Acrobat for PDF formatted statements. Adobe Acrobat will also allow you to Save a Copy, within the Save in drop-down menu, click to select a location in which you would like to save the file. Click Save. |
What do I do if I cannot open and read the sample eStatement on the eStatement Verification page? |
| eStatements are imaged in a PDF format. You may need to download a FREE version of Adobe Acrobat Reader to access a copy of your statement. Click on the www.Adobe.com link and follow the instructions after clicking on the Get Adobe Reader button. |
Why is it important to keep my email address current? |
| It is important to keep your email address current so that you are able to receive notification of your statements without interruptions. |
How do I order a paper copy of a statement? |
| Paper statement copy requests are submitted as research items, which are subject to a Research Fee. This fee will be deducted from your account in accordance with the NewBridge Bank Fee Schedule. |
What do I do if I receive an error telling me that I cannot enable an account for eStatements? |
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The account that you are trying to set up may be part of a combined statement, of which you are not the primary holder. If you are not currently receiving the combined statement by mail, you will not be able to access the combined statement via NewBridge Bank Online. |
How do I start receiving paper statements again? |
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To cancel your eStatement service and return to paper statements, please contact us at eBanking@newbridgebank.com or write to us at: NewBridge Bank
ATTN: eBanking Services P.O. Box 867 Lexington, NC 27293-0867 |
NewBridge Bank Online Security & Technology |
What equipment do I need to access NewBridge Bank Online? |
| All you need to use NewBridge Bank Online is a computer - IBM compatible or MAC - a modem (56K recommended), an internet service provider for Internet access, and either of these browsers: Netscape Navigator, Microsoft Internet Explorer or AOL (all 4.0 or higher versions). But, for MAC/AOL users, here are the current standards for access to NewBridge Bank Online: MAC/OS version 8.6 must use AOL version 5.0 MAC/OS version 9.04 can use AOL versions 4. 0 or 5.0. Only a 128-bit encryption level is accepted for the NewBridge Bank Online site. Note: WebTV cannot be utilized to access NewBridge Bank Online due to security encryption limitations within WebTV. |
How do I determine if my browser has 128-bit encryption? |
| Sign on to the internet. Click the "Help" menu option and then select the "About" option. This selection will show you the Cypher Strength which is also known as the encryption. If the Cypher Strength is not 128-bit, then you will need to upgrade your browser. To do so, visit the appropriate website for your browser and follow the instructions provided. If you need assistance, please contact your internet service provider. |
How is my information secured when viewing through the Internet? |
| When logging in to NewBridge Bank Online, you enter a "secure server" area using the latest Secure Sockets Layer (SSL) cryptography. From the moment account information leaves your computer to the time it reaches the processing computer, all internet banking sessions are encrypted. Netscape users will know they are in a secure session when a "solid key" appears in the lower left corner of the screen. Microsoft users will see a "closed lock" indicating a secure session. Also, you will be automatically disconnected from the processing computer after five (5) minutes of inactivity. To return to NewBridge Bank Online, you will need to repeat the logon security protocol. |
What is a flash object? |
| Macromedia Flash Objects store data on your computer in much the same way that cookies do. If you have Macromedia Flash installed, our bank can use Flash Objects to recognize your computer in the event that you erase all your cookies. That way, even if we can't identify you by your cookies, we can identify you as a valid user without having to ask you one of your challenge questions. |
What is Phishing? |
| Recently there have been attempts by fraudsters to trick people into revealing their personal information, such as passwords, by creating fake web sites that look very much like the sites of legitimate financial institutions. They send out emails randomly with links to these fake web sites. This phenomenon has been called Phishing, (pronounced "fishing"). |
NewBridge Bank Online Error Reporting |
I have a question about NewBridge Bank Online. Who should I contact? |
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You may email us at ebanking@newbridgebank.com or call NewBridge Bank's Call Center at 336-242-6211 (Triad) or 1-800-456-6505. |



