• ableBANKING ROUTING NUMBER: 211272517

    Back To Top


  • How do I open an account at ableBanking?

    It’s easy: Simply click on “Open an Account” on our website to get started. Keep in mind, there is a minimum deposit of $250 to open a Money Market account and $1,000 to open a Certificate of Deposit (CDs).  You will need the following in order to open an account:

    • A valid ID (driver’s license, military ID, state ID, or government-issued photo ID),

    • A valid social security number,

    • A physical address,

    • The bank name, account number, and routing number of the bank you will use to fund this new account.

    Please be sure to link a primary account you use, such as a checking or savings account.

    Customers may only link a single account, their funding account, through online banking within the first 60 days of funding their account. Once the 60 day period has elapsed, a customer may choose to link a separate account within online banking (not applicable to CD accounts). You many not have more than one External Account linked to your ableBanking account at any given time.


    Back To Top

  • Do I have to close my account with my other bank?

    No! ableBanking, a division of Northeast Bank, is an online only savings platform that offers Money Market accounts, as well as CDs. It is not a replacement for your checking or other transaction accounts.  You’ll easily be able to transfer money to your checking account when you need to access it, but let it grow in your ableAccount when you don’t.

    Back To Top

  • How do I know that my money is safe?

    Just like traditional banks, ableBanking accounts are insured up to the maximums through the FDIC (Federal Deposit Insurance Corporation).  Because ableBanking is a division of Northeast Bank, deposits held in ableBanking are added together with deposits held directly with Northeast Bank for determining FDIC coverage.  Our FDIC certificate number is 19690 and is registered under the Northeast Bank name.  For additional information, visit the FDIC Website or call 877-ASKFDIC (877-275-3342).

    Back To Top

  • Why do you ask for personal information when opening an account?

    We need this information to ensure your security, one of our most important responsibilities.  All financial institutions must obtain, verify and record information to validate the identity of anyone that opens an account.  For example, your credit report is one of the ways we make sure that you are you and we use it ONLY to confirm your identity and this will not impact your credit score.  Please read our Security and Privacy Policy for a detailed explanation on how we manage customer information.

    Back To Top

  • What are micro-deposits and why do you do them?

    A micro-deposit of two small deposits and two withdrawals (of the same value) will be set up to confirm the validity of the external bank account you used to fund your new account. However, if you do not verify them within 30 days, we won’t be able to complete the opening of your account.

    For Money Market Accounts, you will be required to re-establish a link to your funding account within online banking, in order to seamlessly move money in and out of your external account.

    We outline the steps for transferring funds between your account at ableBanking and other financial institutions in a separate FAQ.

    Back To Top

  • How do I open additional accounts?

    After opening your first account, login to Online Banking to open any additional accounts by clicking on the “Open an Account” green button.  You will not need to add all of your external banking information again.  HOWEVER, after completing the application, you will need to fund your new account either by:

    1)      Transferring from an existing ableBanking Money Market account;

    2)      Transferring funds from your existing linked external account (go to Transfer, External);

    3)      Creating a new funding source.

    Back To Top


  • How do I access my money?

    Simply login to your online banking account and transfer money to and from any outside bank account that you have linked to your ableBanking account(s).

    Please note that ableBanking requires a 60 day waiting period from when you make your initial funding deposit within which customers may only make transfers to/from the account used to fund their account with us.  Once the 60 day period has elapsed, a customer may choose to link a separate account within online banking.  You may not have more than one External Account linked to your ableBanking account at any given time. You can review our disclosure documentation here for more details or call an ableBanker for more information.

    Back To Top

  • Can I transfer money between my ableBanking account and my accounts at other institutions?

    Yes, you can set up transfers from other institutions using your ableBanking online account. 

    If you are setting up a transfer to or from an account that has not yet been verified, you must go through the micro- deposit verification process.  This process uses test deposits to confirm account linking.  You will need the routing number of your external bank and your account number. 

    Please note your account must be funded for 60 days prior to linking an alternative account within online banking.

    Back To Top

  • How many and what types of accounts can I link to my ableBanking accounts?

    You may link your ableBanking account with one external account through online banking.  Your linked account needs to be held at a U.S.-based bank and you cannot link to either a credit card account, or to some types of brokerage or investment accounts. You may also add your ableBanking account as a linked account through another U.S.-based bank's online banking platform, subject to their rules and regulations.

    If you would like to link a brokerage or investment account, please contact an ableBanker at (888) I-AM-ABLE (888-426-2253) between 8:00 am – 6:00 pm EST weekdays, and 9:00 am – 1:00 pm EST on Saturdays. 

    Back To Top

  • How long do transfers between ableBanking accounts take and can I set up recurring transfers?

    If you transfer money before 5:00 pm EST it will be moved immediately.  If you transfer after 5:00 pm, the transfer will happen the next business day.  Moving money to/from your ableBanking account(s) and your account at another institution typically takes 2-3 business days.

    You can set up recurring transfers two ways:

    1) Between your ableBanking accounts;

    2) Between your account at another financial institution and your ableAccount. 

    Back To Top


  • Are there any fees with ableBanking accounts?

    The only fees at ableBanking are for non-standard activities. Click here for a copy of our latest fee schedule.

    Back To Top

  • How is interest calculated and when does my account start earning interest?

    Interest on your deposits accrues daily, and is credited at month’s end.  When you login to your ableBanking account, you can check your e-statement for total interest earned year to-date.

    You will begin earning interest on the day after your deposit clears into your account.  This typically takes one day, but may take longer: please refer to the document called the Deposit Account Agreement you reviewed when opening your account. It is available for review here.

    Back To Top


  • How do I deposit money to my account?

    There are five ways to add money to your account:

    1) Make transfers online between your ableBanking account and your account at other institutions; in addition to transferring funds directly from another institution

    2) Move funds online between ableBanking Money Market accounts;

    3) Direct deposit of your paycheck or Social Security check;

    4) Wire transfer - contact us for details;

    5) Checks (no cash please) by U.S. mail to: ableBanking, PO Box 2606, Lewiston, ME 04241-2606.

    Back To Top

  • How many deposits can I make in a month? Can they be cash deposits?

    Although we do not accept cash deposits, you can deposit as frequently as you like into your Money Market Account. You can only add more money to your CD when it reaches maturity, and before it is renewed.

    Back To Top

  • How do I set up direct deposits into my account at ableBanking

    Setting up your ableBanking account for direct deposit is easy.  All you'll need is your employer's direct deposit form, our ABA Routing number (211272517) and your ableBanking Money Market account number. Submit your completed form to your employer and your direct deposit should be activated shortly thereafter.

    Back To Top

  • How do I set-up recurring deposits or withdrawals from my ableBanking account?

    Simply click the External Transfers tab, and fill in information regarding a New External Transfer, being sure to select the frequency in which you’d like the transfer to occur. Then press Submit.

    As a reminder, if this is the first time you are setting up an external account, you must complete our standard verification process.  This ensures that you entered the information correctly.  Once verified you are then set to have recurring transfers in and/or out of your account..

    Back To Top

  • How many times can I withdraw from my ableBanking Money Market Account?

    Money Market accounts have regulatory limitations on the number of withdrawals allowed each month. At ableBanking, you can make no more than a combined total of six (6) transactions each month. For more details on withdrawals, visit our Deposit Agreement here. We will notify you if you exceed the allotted number of withdrawals in a statement cycle on your Money Market Account – and you will be charged $10.00 for each transaction over the limit.  Please Note: If you are in violation more than twice in a 12-month period, we may be required to close your account.

    Back To Top


  • What is the $25 New Customer gift and how does it work?

    We're taking the money we might have spent on expensive advertising – billboards, stadiums, tv – and we're letting you designate $25 of our money to any charity that you choose when you become a customer.

    The charity must be a qualified 501(c) 3, but that is our only restriction. It’s our way of thanking you for your business, and helping make our communities better.

    To designate your $25 New Customer Gift, simply complete this form and email it to one of our ableBankers at info@ablebanking.com. You can also call one of our ableBankers for assistance in designating your New Customer Gift.

    If you open a Joint Account, we will assign the $25 New Customer Gift to the primary account holder.  Should the secondary account holder open a separate account, we will then give $25 ableDollars to the charity of his/her choice.

    Back To Top

  • Are you giving away MY money?

    No, at ableBanking we give away our money to any charity you choose.  The $25 New Customer Gift, is actually our money.  But we’re letting you decide which charities to support with it.

    Why are we doing this? Because we believe that our customers know their communities better than we do! So, along with saving more, we are empowering you to help make our communities better.  It’s our way of thanking you for your business, and making online banking work for communities too.

    Back To Top

  • Will I receive $25 each time I open an ableAccount?

    We give only one $25 gift per customer – regardless of how many accounts you open.  If you open a joint account, the primary account holder designates the $25.  If, as a secondary account holder, you open your own account, you will be considered a new customer, and will therefore designate $25 as a new customer.

    Back To Top

  • What happens if I do not designate my New Customer gift of $25?

    Your $25 New Customer gift will expire one year after you become a customer (or as we like to call it "Your ableAnniversary"). We encourage you to select a charity to support as soon as you can after the funds are deposited into your ableBanking Account. 

    Back To Top

  • Can I make my own donation to charity?

    Yes! If you have an ableBanking Money Market account, you can also contribute directly from your account to any charity you choose.  We don’t charge you, or the non-profit, any fees for the transaction (credit card companies do).  So if you give from your ableBanking Money Market account, in addition to earning more interest on your savings than traditional bank accounts, you’ll be helping the charity you choose receive funds, and not be charged a fee.

    Simply visit our Forms page for more information.

    Back To Top

  • Can I take a charitable deduction from my taxes?

    Yes, money you donate yourself to a charity (a qualified 501(c)3) represents your charitable contribution for tax purposes.  However, your $25 New Customer Gift is not tax deductible for you.   

    Back To Top

  • Is my name and contact information shared with charities I designate to receive ableBanking money or with charities which I am donating my own funds?

    Customers always have the option of choosing whether to share their name and contact information with the charities that we support on their behalf and with the charities you chose to support with your own money.  If you indicate you want your name shared when you designate your $25 New Customer Gift, the charity will be able to thank you for your support.  If you share your name and contact information with charities you donate directly to, you should receive a tax deduction receipt from the organization. 

    Back To Top

  • When I search for my charity, I don’t see it on the list. Why?

    The charitable listing sites we recommend are based on the IRS database of registered 501(c) 3 organizations - which are in good standing. Many charities have their non-profit status through larger parent organizations with different names than the charity you know. 

    For example, a church parish doesn’t likely have their own separate tax id number, but instead may use the regional or national parent’s non-profit federal tax identification number, or “TIN”.

    If you can’t find your specific charity, you’ll want to get their “Tax ID” or “TIN” number to enter.  You can often find TIN numbers at one of the following:

    1) the non-profit organization’s website

    2) guidestar.org

    3) charitynavigator.org

    Our ableBankers are also always available to help you. You can reach us at (888) I-AM-ABLE (888-426-2253) between 8:00 am – 6:00 pm EST weekdays, and 9:00 am – 1:00 pm EST on Saturdays.

    Back To Top

  • What is a 501(c)3?

    A 501(c) 3 is an organization that is approved as a U.S. public charity or private foundation that is allowed a federal tax exemption. Regulated by the IRS, a 501(c) 3 must be organized and operate exclusively for religious, charitable, scientific, testing for public safety, literary, or educational purposes, or to foster national or international amateur sports competition, or for the prevention of cruelty to children or animals. 

    Back To Top

  • Where do I find the “Tax ID” or “TIN” number for a charity?

    These can usually be found on the charity’s web page. If not, we recommend you contact the charity directly to request it.  

    Back To Top

  • When I searched for my charity, I got multiple results or it did not appear. Which do I choose? Why did it not appear?

    Non-profits often have multiple “Tax ID” or “TIN” numbers.  You will want to be sure to choose the correct one for the organization you wish to support.  If you are unsure, call the charity directly. 

    If you have a charity in mind and it did not appear when you searched by cause, search by name, address, and/or Tax ID number for a more accurate result.

    If you need help, you can call us at (888) I-AM-ABLE (888-426-2253).  Our ableBankers are available to assist you between 8:00 am – 6:00 pm EST weekdays, and 9:00 am – 1:00 pm EST on Saturdays.

    Back To Top

  • Can I really ask ableBanking to send money to any charity of my choice?

    Yes, as long as it is a qualified 501(c) 3 organization (with a registered Tax ID or TIN number.) We’ll send our money anywhere you choose.

    Back To Top

  • I’m using the correct name and location and I still cannot find the charity I am looking for. Why not?

    One of our ableBankers would be able happy to help you at (888) I-AM-ABLE (888-426-2253) between 8:00 am – 6:00 pm EST weekdays, and 9:00 am – 1:00 pm EST on Saturdays.

    Back To Top

  • I’m searching for a religious institution and I see others in my town, but not the one I am looking for. Why not?

    Churches, temples, and non-profit organizations run by religious institutions often do not have their own separate 501(c)3 status.  In order for us to ensure that your ableBanking New Customer Gift or your personal donation get to the correct charity, please contact us at” (888) I-AM-ABLE (888-426-2253) between 8:00 am – 6:00 pm EST weekdays, and 9:00 am – 1:00 pm EST on Saturdays, to help you!

    Back To Top


  • How often will I receive my statements?

    If you have a Money Market account, a monthly notice will be sent to your primary email address to let you know when your statement is ready.  You will need to login to your account and go to the eStatements section to see or download (PDF format) your statement. 

    If you have a CD with us, you will only receive a renewal notice prior to the maturity of your CD.  However, you can view detailed information about your account 24 hours a day by accessing your account via online banking.

    Back To Top

  • How do I contact ableBanking?

    Email us: It’s easy to reach us via email - just log on to online banking and send us a secure email message. You can also send us email at info@ableBanking.com. However, please remember that regular email is not secure. Do not send confidential or sensitive information such as social security numbers, account numbers, personal identification numbers and passwords within the body of your email or within attachments. 

    Call us: Our ableBankers are available to assist you 6 days a week at (888) I-AM-ABLE (888-426-2253) between 8:00 am – 6:00 pm EST weekdays, and 9:00 am – 1:00 pm EST on Saturdays.

    Chat: You can have a live online chat with an ableBanker by selecting the button on the footer of every page on the website. 

    Mail:  Send correspondence to: ableBanking, PO Box 2606, Lewiston, ME 04241-2606

    Back To Top

  • How will you contact me?

    At ableBanking, we’ll primarily communicate with you electronically and you’ll receive any account-related notices from us by secure email.

    In our emails, we will NEVER ask you to send sensitive information (account number, social security number, or PIN number) in a response email or via a link in an email, and our emails to you will never include this information either. If you receive an email like this, please don't respond, but do let us know. For more information please read our Privacy Policy.

    Back To Top

  • Can I get a paper statement?

    You can print your own statement at home. Just log in to online banking and go to the eStatements section to see or download (in PDF format) your statement.

    Back To Top

  • What if my mailing address or personal information has changed since I opened my account?

    That's easy! Simply call one of our ableBankers and they can help you. Our ableBankers are available at (888) I-AM-ABLE (888-426-2253) between 8:00 am – 6:00 pm EST weekdays, and 9:00 am – 1:00 pm EST on Saturdays.

    Back To Top

  • Will I be notified when my CD matures?

    Yes, we will send you an email to your primary email address 30 days before the maturity date of your CD to let you know your notice is available in online banking.  This will give you plenty of time to decide if you want to let your CD roll-over, change terms, add additional deposits, or move it to another account.  For more details, please call us at (888) I-AM-ABLE (888-426-2253) and one of our ableBankers will be happy to walk you through the process.

    Back To Top

  • How will I know that my ableAccount is officially open?

    You should receive several emails from us upon completion of your application: a welcome email, one that includes your Online Banking User ID, and a temporary password to open your ableBanking account.

    Once you have completed the micro-deposit verification step using ableBanking’s Online Account Opening Center, your requested opening deposit will arrive in your account within 24-48 hours and you will be on your way to saving and giving more. 

    If you have completed an application and have not received any of the above emails, please call us at (888) I-AM-ABLE (888-426-2253) and one of our ableBankers will be happy to help you.

    Back To Top


  • How do I view my ableBanking account information?

    Easily! If you haven’t already, go to www.ablebanking.com (not the Online Account Opening Center that you used to fill out an application) and click on Log In. After you enter your Online Banking User ID, click Log In, and you will then be prompted to enter your temporary password (it was provided to you via email when you opened your account). We will then request that you change the temporary password to one you know. For your security we require passwords to be 8-17 characters long and to include the following: one upper-case letter, one lower-case letter, one number (0-9), and one symbol (i.e. @,$,%,*).

    Note: You cannot use "#" as a symbol in your password. Once you set up your password, we will require you to establish a security phrase as well as to set up some security challenge questions. We will use these from time to time to authenticate you.

    That's it – from there you can see and manage all of your account information online – and return to www.ableBanking.com anytime to log in to online banking.

    Back To Top

  • How do I know that this is secure?

    Your security is our utmost priority. ableBanking provides Secure Sign-On service which protects you from fraudulent online activity. It provides you with visual clues when you sign on so you know that you are on our website and that it is safe to enter information. Secure Sign-On also helps us ensure that only authorized individuals can access your financial information online.

    Back To Top

  • What browsers support online banking?

    We support the current and prior major releases of Internet Explorer, Firefox, Safari and Chrome. You can see the most up-to-date list of our supported browsers here.

    Back To Top


  • Can I open a business account with ableBanking?

    We’re sorry – at present we do not offer business accounts. If you have any questions, one of our ableBankers would be able happy to help you at (888) I-AM-ABLE (888-426-2253).

    Back To Top

  • Can I connect my ableBanking account to my Mint.com account?

    Yes! ableBanking savings accounts are supported by Mint.com. Simply login to your Mint.com account, click “Add an Account” and search for ableBanking. You will be required to provide your ableBanking User ID, password and security challenge question information in order to achieve connectivity.

    Back To Top

  • I'm a Northeast Bank customer. Can I be an ableBanking customer too?

    Yes! Your Northeast accounts will remain with Northeast Bank. If you open an ableAccount, you will have a separate account number, and you’ll need to go to ableBanking.com to manage your accounts. You cannot access your Northeast Bank accounts from ableBanking.com, and vice versa.

    Back To Top

  • How does ableBanking's Refer-a-Friend program work?

    As an ableBanking customer, when you refer a friend to us and they successfully open an account, you can receive an additional $25 to designate to charity. The more you tell your friends, the more you can earn to give! Make sure your friend fills out the “How Did You Hear About Us” section of our online application and provides your name—and you will be assigned $25 for each successful referral you make.

    Back To Top

  • How can I close my ableAccount?

    We would be sorry to see you go.  In order to close your account contact an ableBanker between 8:00 am – 6:00 pm EST weekdays, and 9:00 am – 1:00 pm EST on Saturdays and they will be happy to assist you.  Or you can fill out the secure Account Close form located on our website on the Info page

    Back To Top

  • Customer Service Forms

    For your convenience, a secure Contact Us, Add a Charity, Charity Designation and Account Close form can all be found on the Forms page.

    Back To Top

  • Does ableBanking have scheduled downtime for system maintenance?

    In order to ensure that our customers have the best experience possible with online banking, we have scheduled downtime throughout the year so our systems are kept at the highest security and operational levels. In 2015, ableBanking has maintenance scheduled on the following dates from 1:00 am - 5:00 am EST.

    April 19

    May 17

    June 28

    July 19

    August 16

    September 20

    October 18

    November 15

    December 20

    ableBanking, a division of Northeast Bank, reserves these dates as regular and normal 'off hours' for maintenance. During these hours, systems may be intermittently unavailable for periods of time. As always, if you are experiencing any trouble logging into online banking, you can always call us at (888) I-AM-ABLE (888-426-2253) 6 days a week.

    Back To Top