Neo memberships are monthly subscriptions that unlock features designed to support different financial goals and needs. Essentials is yours by default — it’s free and gives you all the core features you need for your financial life. From there, you can upgrade anytime through the Neo app or website to unlock even more features.

Go to memberships to explore features and upgrade your membership.

Each membership is designed to match where you're in your financial journey — whether you’re focused on building your credit or growing your money.

You never lose features, you only gain more. Each membership includes everything from the previous one, adding more tools and convenience for you.

The Build membership is made for anyone who wants to create or strengthen their credit history. Build gives you access to smart credit tools that make it easier to take control of your credit, track your progress, and set yourself up for long-term financial success.

If you’re just getting started or rebuilding your credit, Build gives you the foundation you need to move forward confidently.

Features of Build

The Grow membership is designed for those who want to make their money work smarter. It gives you better rates, more rewards, and added convenience, helping you maximize returns while keeping full control of your finances.

Features of Grow

Stay tuned for new membership launches coming soon, with even more rewarding features to help you make the most of your Neo experience.

Memberships are charged monthly, depending on whether you have a standard subscription, a free trial, or a membership for $0.

You’ll always be charged using your chosen payment method, which can be any of your Neo accounts (Neo Everyday, Neo Savings, or Neo High-Interest Savings) or a Neo credit card. You can update your payment method at any time.

All memberships renew automatically on the 1st of each month.

You’ll be charged a prorated amount for the remaining days of the month when you subscribe. After that, you’ll be charged the full membership fee on the first of each month at renewal.

If you’re getting a membership for $0 when you subscribe, you won’t be charged. Keep tracking your account to ensure your membership continues at no cost in the following months.

During a free trial, you don’t pay anything when you subscribe. Once the trial ends, your membership will renew automatically, and a prorated amount for the remaining days of the month will be charged.

You can downgrade your membership at any time. How and when the downgrade takes effect depends on your situation if you’re on a standard subscription or on a free trial.

There are a few ways to get a membership and enjoy all the features at no cost. Go to your Neo app to see which options are available to you.

Simply having the card gives you access to any membership at no cost. If you already have the Neo World Elite® Mastercard, you still need to subscribe to the membership you want. You won’t be automatically subscribed.

Your membership can also be at no cost by keeping a certain total balance in your Neo accounts:

Once you reach the required balance, you still need to subscribe to the membership you want. You won’t be automatically subscribed.

Keep the minimum balance each month to maintain your membership at no cost. We check your balances on the last day of the month. If your balances meet the required amount, your membership will automatically renew at no cost on the first day of the next month.