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Advantage Banking

Welcome to our exclusive Advantage Banking Progra m

Specially designed for you. Enjoy a comprehensive package of features, benefits and rewards with Northwest Bank’s Advantage Banking Program. This program is specially designed for you to receive exceptional benefits to help you grow financially. At Northwest Bank we have an experienced team of professionals who specialize in all banking products & services we offer. It is important to us that you feel comfortable, confident & secure about who you bank with. We are committed to providing exceptional service each and every time you visit us. Look inside this Advantage Banking booklet and take a peek at the products, services, financial tools and conveniences we have for you. We look forward to growing your banking relationship.

NORTHWEST BANK INDUSTRY RECOGNITION TOP WORKPLACES WINNER THREE YEARS IN A ROW Awarded by the Des Moines Register for 2015, 2016, and 2017 SMALL BUSINESS ASSOCIATION LENDER OF THE YEAR Recognized by the U.S. Small Business Administration’s Iowa District Office as a top lender for 2016 PEOPLE’S CHOICE AWARD WINNER IN BANK, HOME LOAN, CAR LOAN, AND BUSINESS LOAN THREE YEARS IN A ROW Awarded by the Omaha Suburban Newspapers, Omaha World-Herald and for 2015, 2016, and 2017 LEADING MORTGAGE LENDER WITH TOP PROFESSIONALS AWARDED President’s Club and Winner’s Circle Winners Awarded by the Iowa Mortgage Association

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Your Benefits Offered exclusively to you as a company benefit, you will receive great products, great service, and a relationship that rewards you...

Get started today by exploring your benefits and building your banking package. We give you options so you can choose.

Up to $500 Cash Back - Choose from products and services and receive cash just by banking with us. Let us tell you more! Your first order of checks is free - Available with any checking account that you choose. Free anytime banking tools - Online & Mobile Banking, Bill Pay, Mobile Deposit, e-Statements & more that come free with your account. .25% discount on consumer loans.* Get a mortgage pre-approval that comes with a $2,000 Guarantee**- If we are unable to provide a final commitment letter at your loan closing that meets the terms we provided in your fully-verified pre-approval - we will pay both you the buyer & the seller $1,000 each!

VISIT your custom company webpage to take full advantage of our Northwest Bank package offered to you through your employer. Get Rewarded. Once you’ve visited your custom webpage, get started by opening your checking account online! Then decide on additional products and services that are right for you and add up your rewards through our special program. It’s that easy!

Health Savings Account monthly maintenance fee waived*** - Use your tax-exempt account exclusively for the payment of qualifying medical expenses. Attend a First Time Homebuyer Seminar Wealth Management Advisors to get to know and trust - Whether your goals are short or long term we can help you with a comprehensive plan that supports your goals.

*Available to qualified borrowers. Subject to normal underwriting criteria. Minimum Consumer Loan amount is $10,000 on model year vehicle 2015 and newer. **Accelerated Pre-Approval $2,000 Guarantee available to qualified borrowers. Any party agreeing to receive their Guaranteed Payment from Northwest Bank will be required to sign a settlement agreement. If a Guaranteed Payment is made it will be available within 10 days of receiving a signed settlement agreement. Problems related to the property or any material change in the buyer’s financial condition will nullify the guarantee. A discontinuation of a special loan program used to qualify the buyer could also nullify the guarantee. ***A Northwest Bank checking account is required. Not valid with any other special offers.



We Reward Your

Rel ationship We make it easy! Earn cash just by banking with us. Choose from any of the products and services listed below that will meet your needs and start adding your cash up today...

+ Checking Account with Internet Banking


Consumer Loan


Home Equity Line of Credit


Northwest Bank Credit Card


Finance or Refinance Your Home


Meet with a Wealth Advisor



Visit your custom company webpage & start earning your cash back today!

* Your Total

*Cash Back Qualifications: A Northwest Bank checking account is required; $10 minimum to open checking account; 0% Annual Percentage Yield. Any new additional products and services must be opened, enrolled in, applied for and approved, or meeting with a Wealth Advisor must be completed by the checking account holder(s) within 90 days after the checking account open date to be eligible for cash back. Additional products and services are subject to approval, normal fees, & underwriting criteria as applicable. Cash earned will be deposited into the Northwest checking account 90 days after account opening. One deposit per unique account. Minimum HELOC Line of $5,000. Minimum Consumer Loan amount is $10,000 on model year vehicle 2015 and newer. Not valid with any other offers.


Purchasing Power We give you checking account options so you can choose Get the basics, earn interest, or check out the rewards! You will find a great checking account that fits your banking needs. Enjoy the convenience of our easy to use debit cards and anytime banking tools!

Credit Cards What do you want most from your Credit Card? Now you have a choice! No matter which card you choose, you’ll enjoy important features like saving with a special introductory rate, earning valuable rewards, or start building your credit.

Nationwide ATMs

Everyday Checking

Debit and ATM cardholders of Northwest Bank can use over 25,000 ATMs across the United States without paying surcharge fees. Just look for the Northwest Bank, Privileged Status® or MoneyPass® logo on the sign at the ATM.

We think a great checking account shouldn’t have to cost you a lot of time or money. That’s why at Northwest Bank we give you checking options with all the conveniences you want and the features you need. Manage your money throughout the year with an account that meets your everyday banking needs.

Health Savings accounts

Enroll in Online Banking today and download our Northwest Bank Mobile Banking App to manage your finances anytime, anywhere.

A Health Savings Account is a tax-exempt account that is used exclusively for the payment of qualifying medical expenses. It offers eligible individuals who participate in a High Deductible Health Plan an affordable alternative to the rising costs of healthcare.

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7:30am- 6pm M-F | 9am-1pm Sat


Convenient for you On the go with our Full Service Mobile Banking App Pay bills or deposit checks on the go through Northwest Bank’s Mobile Banking. Life moves at a fast pace which makes keeping up with your finances challenging; it only takes minutes to manage your money and the best part is you can do it anywhere and at anytime!

Email it. Text it. Pay people with your phone. Send money to friends, family or almost anyone from your checking or savings account. All you need is their name and email address or mobile phone number to move money from your bank account to theirs.

Monitor your accounts through our automated e-Alerts Service

Ta k e u s w i t h yo u

E-Alerts can be sent by e-mail, text or online message, giving you access to important information. Define your own events and receive notifications when checks clear, ACH transactions are presented, balances fall below a preset threshold or when additional events occur.

We know that life can get pretty busy. Simplify it with Northwest Bank’s Online and Mobile Banking. It’s a one stop shop that lets you manage all of your banking from your computer, tablet or smartphone.


Stay connected to your finances with Mobile Banking! Download our app today. Search: Northwest Bank Mobile Banking.

Enroll your checking, savings, and loan accounts to view, save, and print your statements and notifications. It’s faster and safer than waiting for your statement to arrive by mail and you will receive a monthly email notice when your newest statement is ready to view.

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7:30am- 6pm M-F | 9am-1pm Sat


Debit Card Security Debit Card Safety Options SHAZAM BOLT$ - Free Alert Service Get extra protection on your debit cards. Receive potential fraud email alerts on your smartphone, tablet or computer. Plus, you have a great feature called Instant Transaction Control. If your card is stolen or missing you can block (or unblock) your card with the touch of a button. We’ve got you covered with fraud protection software Your debit card is monitored with fraud prevention software and your account will automatically be updated whenever a transaction is processed with your debit card. Real-time processing will help further protect your account from potential fraud.

Protecting You

Chip Card Technology Our Debit and Credit Cards are enabled with Chip Card Technology, which adds an extra layer of security when you make purchases at chip-enabled terminals. This provides protection against fraudsters and help protect your cardholder data.

Northwest Bank values your privacy and security. We are proud to offer several tools and resources to help protect your personal and financial information. Our e-Banking solutions provide the highest level of security, including your personal unique usernames, passwords, and security questions - however it’s important for you to take advantage of these additional services provided to you at no cost!

Anytime Access Pre-Paid Cards The Anytime Access re-loadable debit card is created as a full-service alternative to traditional checking. Ideal for students, young adults, travelers, online users and more! Safer than cash with replacement cards available at full value if lost or stolen.

It is of the utmost importance for us to help you protect your financial information online.

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7:30am- 6pm M-F | 9am-1pm Sat


An Exceptional Home Loan Experience Owning your home is one of the most valuable investments you will make in your lifetime. Northwest Bank excels in providing an exceptional mortgage

What are your goals? Build or buy a home? Refinance or remodel? We can help!

experience making you feel right at home. Visit your webpage to access our Online Mortgage Center for helpful resources: • Apply for your mortgage loan online 24/7 • Access current Mortgage Rates • Utilize calculators to help make financing decisions • And more!

Visit your custom company webpage to apply online for your personal rate and payment quote.

1. Get Pre-Approved

2. Sign-Up

3. We’re Here

Visit your custom webpage to apply online with no fees or commitment. Get preapproved before you shop for a home.

Once you visit your webpage check out the additional tools and resources available. Sign up for our Rate Watch today and let us watch mortgage rates for you!

Our experts are here to help you through the entire loan process. Whether you are building, buying or refinancing, get started today by visiting your custom webpage!

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7:30am- 6pm M-F | 9am-1pm Sat

14 | 1-800-678-4105 Member FDIC | Equal Housing Lender

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