Northwest Personal Online Banking User Guide

PERSONAL ONLINE BANKING USER GUIDE

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Published by Murphy & Company, Inc. 13610 Barrett Office Drive

St. Louis, MO 63021 www.mcompany.com

© 2009-2024 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012

Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

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Getting Started

Welcome to Northwest Bank Online and Mobile Banking! Whether you’re an everyday user or you’ve never logged in, we designed this guide to help you take advantage of all the simple, fast and secure tools and features that are at your fingertips, 24/7, from any smartphone, tablet or PC. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Online Banking process. If you have additional questions, contact us at 877-672-5678.

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Table of Contents Getting Started

10 New User Enrollment ...................................................................................................8 Logging Off ............................................................................................................................. 9 Unlock/Forgot Password............................................................................................ Retrieve a Forgotten User ID .....................................................................................12 Accounts Account Summary Overview .....................................................................................14 Credit Score ................................................................................................................. Account Activity Overview..........................................................................................16 Hide/Unhide Accounts ...............................................................................................17 Card Management Card Management Overview.....................................................................................18 To Add a New Card .............................................................................................................. 19 To Activate a Card ................................................................................................................ Card Lock/Unlock................................................................................................................. 21 Hide/Show Cards ................................................................................................................. 22 Set Primary Device............................................................................................................... 23 Transaction Enrichment...................................................................................................... 24 Card Details ................................................................................................................. View Digital Card .................................................................................................................. 25 Spend Insights...................................................................................................................... 26 Card on File........................................................................................................................... 27 Card Controls & Alerts................................................................................................28 Locations............................................................................................................................... 28 Merchant Types.................................................................................................................... Transaction Types................................................................................................................ 31 Spend Limits......................................................................................................................... 32 Alerts ............................................................................................................................33 Location Alerts...................................................................................................................... 34 Merchant Alerts.................................................................................................................... Transaction Type Alerts....................................................................................................... 36 Spend Limit Alerts................................................................................................................ 37 Card Management Recent Transations....................................................................38 Manage Travel Plans...................................................................................................39 Creating a Travel Plan.......................................................................................................... 39 Editing a Travel Plan ............................................................................................................ 41 Deleting a Travel Plan.......................................................................................................... 42 Report Card Lost/Stolen.............................................................................................43 Set PIN..........................................................................................................................44 15 20 25 30 35

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eStatements Viewing Your Statements...........................................................................................45 Stop Payment Stop Payment Request...............................................................................................48 Single Check ......................................................................................................................... 48 Multiple Checks ................................................................................................................... 49 Stop Payment History ......................................................................................................... 50 Security Protecting Your Information......................................................................................51 General Guidelines .............................................................................................................. 51 Login ID and Password........................................................................................................ 51 Fraud Prevention ................................................................................................................. 51 Profile Updates............................................................................................................52 Change User ID .................................................................................................................... 52 Change Password ................................................................................................................ 53 Contact Information ............................................................................................................ 54 Security Questions............................................................................................................... 55 Change Language ................................................................................................................ 56 Message Overview......................................................................................................57 Sending a Secure Message ........................................................................................58 Transfer Money Make a Transfer ..........................................................................................................59 Transfer History Overview .........................................................................................61 Editing Transfers .........................................................................................................62 Canceling Transfers ....................................................................................................63 Canceled Transfers .....................................................................................................64 Deposit Only Accounts ..............................................................................................65 Edit Deposit Only Accounts ................................................................................................ 66 Delete Deposit Only Accounts............................................................................................ 67 Adding a Personal External Account ........................................................................68 Verifying a Personal External Account .....................................................................70 Editing External Accounts ................................................................................................... 71 Deleting External Accounts................................................................................................. 72 Bill Pay Enrollment ...................................................................................................................73 Overview ......................................................................................................................75

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Creating a Biller...........................................................................................................76 Known Company.................................................................................................................. 76 Unknown Company............................................................................................................. 77 Person ................................................................................................................................... 78 Editing a Biller..............................................................................................................79 Deleting a Biller ...........................................................................................................80 Enabling eBills .............................................................................................................81 Paying eBills.................................................................................................................82 Canceling eBills Service for a Biller ...........................................................................83 Scheduling Payments .................................................................................................84 Single Payments................................................................................................................... 84 Multiple Payments............................................................................................................... 85 Automatic Payments ..................................................................................................87 Automatic Payments for eBills ........................................................................................... 89 Edit an Automatic Payments .....................................................................................90 Delete an Automatic Payments.................................................................................92 Rush Delivery...............................................................................................................94 Activity ..........................................................................................................................96 Editing Pending Payments .........................................................................................97 Canceling Pending Payments ....................................................................................99 Creating a Reminder................................................................................................ 101 Editing Reminders.................................................................................................... 103 Deleting Reminders ................................................................................................. 105 Zelle® Setup ......................................................................................................................... 107 Initial Setup........................................................................................................................ 107 Adding a Recipient ............................................................................................................ 108 Send Money with Zelle ®............................................................................................................................................................ 109 Request Money with Zelle ® .................................................................................................................................................. 111 Split Payment with Zelle ®........................................................................................................................................................ 112 Zelle ® Settings........................................................................................................... 113 Services Text Banking............................................................................................................. 114 Mobile Nicknames ............................................................................................................ 114 Register Phone Number................................................................................................... 115 Order Checks............................................................................................................ 118 Intuit WebConnect................................................................................................... 119 Secure Forms............................................................................................................ 120

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Deposits Mobile Deposits ...................................................................................................... 121 Deposit History ........................................................................................................ 122 Alerts Security & Card Alerts.............................................................................................. 123 Secure Message Alert ....................................................................................................... 125 Editing Alerts ..................................................................................................................... 126 Canceling Alerts................................................................................................................. 127 Account Alerts .......................................................................................................... 128 Adding Recipients ............................................................................................................. 128 Deleting Recipients ........................................................................................................... 130 Adding Alerts ..................................................................................................................... 131 Editing Alerts ..................................................................................................................... 132 Deleting Alerts................................................................................................................... 133 Settings Fast Balances............................................................................................................ 134 Authorized Device Enrollment ............................................................................... 135 Enroll an Authorized Device. ........................................................................................... 135 Unenroll an Authorized Device. ...................................................................................... 136 Authorized Devices.................................................................................................. 137 Authorized Apps....................................................................................................... 138 Accepted Disclosures .............................................................................................. 139 User Activity.............................................................................................................. 140

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Getting Started New User Enrollment

If you’re new to Online Banking with Northwest, you need to complete the enrollment process the first time you log in. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! 1. Type “northwest.bank” into your browser.

2. Click the Log In button. 3. Click the “Enroll Now” link.

4. Review and accept the enroll personal online banking agreement. 5. Fill out the registration form with the required information and click the Submit button. Note : The details you provide are verified by comparing them to your contact information in our system. If the information does not match, call us at 877-672-5678 to update your profile. 6. Choose the contact method that allows Northwest to reach you immediately with a confirmation code. This numbered code is only valid for a short time, and you will need to request a new one if it expires. 7. Enter the confirmation code and click the Submit button. 8. Create a user ID and password, then click the Register button. 9. Click the Continue button. 10. Select and answer your security questions. 11. Review your security questions and answers, and click the Submit button. 12. Congratulations! You have successfully logged in to Online Banking! If you have any questions or concerns, call us at 877-672-5678.

Getting Started: New User Enrollment

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Getting Started Logging In

After your first-time enrollment, logging in is easy and only requires your user ID and password. If you are logging in on a device that is not recognized you will be prompted to enter a confirmation code.

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1. Click the Log In button. 2. Enter your user ID and password. 3. Click the Log In button.

Note : If you enter an incorrect password too many times, your account will be temporarily locked. Click the “Unlock/Forgot Password” link to unlock your account. Go to page 10 for more information.

Logging Off For your security, you should always log off when you finish your Online Banking session. We may also log you off due to inactivity. 1. Click the “Log Out” link in the upper right hand corner. 2. Close your internet browser.

Getting Started: New User Enrollment

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Getting Started Unlock/Forgot Password

If you happen to forget your password, you can easily reestablish a new one from the Northwest Home page—no need to call us!

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1. Click the Log In button. 2. Click the “Unlock/Forgot Password” link. 3. Fill out the required information and click the Submit button.

Getting Started: Unlock/Forgot Password

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4. Choose the contact method that allows Northwest to reach you immediately with a confirmation code. 5. Enter the confirmation code and click the Submit button. 6. Create a new password based on our password requirements, and click the Set Password button when you are finished.

Getting Started: Unlock/Forgot Password

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Getting Started Retrieve a Forgotten User ID

If you happen to forget your user ID, you can easily retrieve it from the Northwest Home page.

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1. Click the Log In button. 2. Click the “Forgot User ID?” link. 3. Fill out the required information and click the Submit button.

Getting Started: Retrieve a Forgotten User ID

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4. Choose the contact method that allows Northwest to reach you immediately with a confirmation code. 5. Enter the confirmation code and click the Submit button. 6. Your user ID will be emailed to you. Click the OK button.

Getting Started: Retrieve a Forgotten User ID

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Accounts Account Summary Overview

After logging in, you are taken directly to the Account Summary page. Here you can view the balances in your Northwest accounts, see your account history and more!

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A. The navigation bar appears across the top of the screen. You can navigate to Online Banking features by selecting the appropriate drop-down. B. Your Northwest accounts are displayed with their available balances. C. If you click an account name, you are taken to the Account Activity page. You can also click the Accounts tab and then click Account Summary .

Accounts: Account Summary Overview

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Accounts Credit Score

Keep an eye on credit score and credit report changes with real-time credit monitoring.

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1. Click the Show my Score button. 2. Enter the required information. 3. Read and accept the credit score disclosure. 4. Click the Continue button to view your credit score information.

Accounts: Credit Score

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Accounts Account Activity Overview

Selecting a Northwest account on the Account Summary page takes you to the Account Activity page, where you can view every transaction pertaining to that account. Transactions can be searched by date range, type of transaction, description, check number or transaction amount range.

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A. On the Account Summary page, you can click on an account name to view the Account Activity page. You can also click the Accounts tab and then click Account Summary . B. Click the “Details” link to view additional account details, which could include Account Name, Account Nickname, Account Number, Date Opened, Interest Rate, Year to Date Interest, Last Deposit Date, Last Deposit and Account Balance. C. Account History shows the last 30 days of transactions for this account by default. Transactions can be searched by date range, type of transaction, description, check number or transaction amount range. D. For additional transactions within the past 720 days, click the “Search” link. E. Download your transactions as a CSV file by clicking the “Download” link. F. Click the “Alerts” link to create alerts for your account. Go to page 123 for more information.

Accounts: Account Activity Overview

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Accounts Hide/Unhide Accounts

Control which accounts are displayed on the Account Summary page.

Note : Hidden accounts will not be visible in funds transfers, etc.

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In the Accounts tab, click Hide/Unhide Accounts . 1. Check and uncheck the boxes next to each account to unhide or hide the account. 2. Click the Save button when you are finished.

Accounts: Hide/Unhide Accounts

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Card Management Card Management Overview

The Northwest Card Management service makes it easy to control and monitor when, where and how your cards are used. It lets you set spending limits, manage alerts, receive real-time notifications and turn a card off (and back on) at your convenience.

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1. Log into our Northwest Online Banking or Mobile Banking app. Then tap the Cards tab. You will be presented with a 20 second video of tips to using Card Management while the system accesses your card information. When complete, tap the Get Started button. 2. The system will automatically populate the cards that correspond to your Online Banking User Tax ID/SSN and associated accounts.

Card Management: Card Management Overview

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To Add a New Card Manually add a card that is not listed.

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1. Select “Add Card.” 2. Enter the card number manually or by using your phone’s camera and click the Done button. 3. Enter the card’s security code (CVC2/CVV2). 4. Enter the cardholder’s address. 5. Enter the card’s expiration date. 6. Tap the Next button. 7. Enter the security code that was sent to the cardholder and tap the Done button. 8. Tap the OK button.

Card Management: Card Management Overview

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To Activate a Card

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1. Tap the Activate Card button. 2. Enter the card’s expiration date. 3. Enter the card’s security code (CVC2/CVV2). 4. Tap the Activate button. 5. Enter the security token that was sent to you and click the Next button. 6. Enter and confirm your new PIN and click the Submit button.

Card Management: Card Management Overview

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Card Lock/Unlock If a card has been misplaced, lost or stolen, you can turn it off with a tap. If you find your card later, you can turn it back on just as fast.

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Tap the “On/Off” tab to turn your card on or off. 2. Tap the Yes button.

Card Management: Card Management Overview

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Hide/Show Cards You won’t be able to manage a hidden card, and its activity will not appear in your transaction or spending data.

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Tap the Settings tab. 2. Tap the Hide/Show Cards button. 3. Check and uncheck the boxes to unhide and hide cards. Unselected cards will be hidden.

Card Management: Card Management Overview

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Set Primary Device In order to create location restrictions and receive alerts you must first designate your primary device.

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Log in to our Northwest Mobile Banking app. Click the Cards tab. 1. Tap the icon. 2. Tap the Primary Device tab. 3. Use the “Primary Device” toggle to enable or disable this device as the primary device.

Card Management: Card Management Overview

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Transaction Enrichment Transaction enrichment uses your device’s location to provide enhanced data on any in-person purchases you make, including store name, address, logo, contact information, and street view. 1

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Log in to our Northwest Mobile Banking app. Click the Cards tab. 1. Tap the icon. 2. Tap the Transaction Enrichment tab. 3. Use the “Transaction Enrichment” toggle to enable or disable transaction enrichment.

Note : This feature requires “Allow all the time” access to location to ensure accurate data even when the app is closed..

Card Management: Card Management Overview

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Card Management Card Details

View Digital Card You can click on the View Digital Card option to view your full card number, expiration date and CVV when you are ready to make an online purchase. This will save time by eliminating the need to search for the plastic card.

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Tap the View Digital Card tab. 2. Select the communication method you want to use (email or text) to receive a security code. Once you receive and enter the code, you may proceed with viewing your digital card.

Note : For security, the Digital Card information will only display for 2 minutes.

Card Management: Card Details

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Spend Insights You can view your recent card transactions that include enriched transaction information like merchant name, location, contact details and more. You can also use the Spend Insights analytics option to see what, when and where transactions are occurring.

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Tap the Spend Insights tab.

Card Management: Card Details

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Card on File The card on file list helps you keep track of merchants where you have stored your card in their files for convenient one-time purchases. The recurring payments list shows merchants where you have set up recurring payments.

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Tap the Card on File tab.

Card Management: Card Details

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Card Management Card Controls & Alerts

Indicate which transactions should be allowed and if any should be restricted. Set spending limits and control purchases based on merchant type, transaction type

or location. Locations Restict the use of your card by location.

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Tap the Controls & Alerts tab. 2. Tap the Locations tab.

Card Management: Card Controls & Alerts

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3. Turn on the “My Location” toggle to allow transactions only when they occur at the same location as your phone. 4. Use the “My Regions” and “International” toggles to control whether or not your card can be used in certain regions or countries. 5. To add a region: a. Tap the Add Region tab. b. Search for a region. c. Enter a name for the region and tap the Save button. 6. To delete a location tap the icon.

Card Management: Card Controls & Alerts

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Merchant Types You can specify at which merchants your card can be used to make purchases.

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Tap the Controls & Alerts tab. 2. Tap the Merchants Types tab. 3. Use the toggle to enable or disable merchant controls. 4. Tap a specific merchant type to enable or disable a specific merchant. 5. Click the Apply button.

Card Management: Card Controls & Alerts

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Transaction Types Determine which transaction types are allowed.

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Tap the Controls & Alerts tab. 2. Tap the Transaction Types tab. 3. Use the toggle to enable or disable transaction type controls. 4. Tap a specific transaction type to enable or disable a specific transaction. 5. Click the Apply Card Management: Card Controls & Alerts button.

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Spend Limits For each of your Northwest cards, you can set transaction limits to control the amounts you spend.

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Tap the Controls & Alerts tab. 2. Tap the Spend Limits tab. 3. Use the “Per Transaction” toggle to enable or disable a per transaction spend limit.

4. Enter a transaction limit. 5. Click the Apply button.

Card Management: Card Controls & Alerts

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Card Management Alerts

Set preferences for which transactions we notify you about based on dollar amount, merchant type, transaction type or location.

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Tap the Controls & Alerts tab. 2. Tap the Alerts tab. 3. Tap the Alerts for all transactions tab to send alerts for all transactions. 4. If you would like to only send alerts for certain transactions:

a. Tap the Alerts for selected transactions tab b. Use the toggles to enable or disable an alert. 5. Tap the No transaction alerts tab to disable all alerts.

Card Management: Alerts

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Location Alerts Customize alerts based on locations.

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1. Tap the Locations tab. 2. Tap the “Locations” toggle to enable or disable location alerts. 3. Use the “My Regions” and “International” toggles to enable or disable regional or international alerts. 4. To add a region: a. Tap the Add Region tab. b. Search for a region. c. Enter a name for the region and tap the Save button.

Card Management: Alerts

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Merchant Alerts Customize alerts based on merchant types.

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1. Tap the Merchant Types tab. 2. Use the toggle to enable or disable merchant alerts. 3. Tap a specific merchant type to enable or disable a specific merchant alert. 4. Click the Apply button.

Card Management: Alerts

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Transaction Type Alerts Customize alerts based on transaction types.

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1. Tap the Transaction Types tab. 2. Use the toggle to enable or disable transaction type alerts. 3. Tap a specific transaction type to enable or disable a specific transaction alert. 4. Click the Apply button.

Card Management: Alerts

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Spend Limit Alerts Set a minimum purchase amount to receive alerts.

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1. Tap the Spend Limits tab. 2. Use the “Per Transaction” toggle to enable or disable a spend limit alert.

3. Enter a transaction limit. 4. Click the Apply button.

Card Management: Alerts

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Card Management Card Management Recent Transations

Quickly and easily view a list of the most recent transactions made with a particular card.

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Recent transactions will be displayed at the bottom of the home screen. 2. Tap the the “View All” link to view additional transactions.

Card Management: Card Management Recent Transations

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Card Management Manage Travel Plans

When you travel outside your normal spending area your risk score increases, which can cause transactions to be declined. To reduce the chance of declines, you can notify Northwest about your travel plans. With the Travel Plan feature you can: • Easily and securely create up to 2 travel plans. • Include up to 15 domestic states and/or international countries within each travel plan. • Submit the notification at your convenience, without having to call customer service. Creating a Travel Plan

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab.

1. Tap the Manage Travel Plans tab. 2. Tap the Add Travel Plan button.

3. Select the communication method you want to use (email or text) to receive a security code. Once you receive and enter the code, you may proceed with entering the details of your trip.

Card Management: Manage Travel Plans

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4. Select the Domestic State or International Country Destination you will be traveling to. (Up to fifteen destinations may be added.) 5. Select the depart and return dates using the calendar feature. 6. Tap the Submit button when you are finished. 7. Tap the OK button.

Note : Only two traval plans can be set at a time for up to 15 days.

Card Management: Manage Travel Plans

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Editing a Travel Plan Edit an existing travel plan.

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Tap the Manage Travel Plans tab. 2. Tap the travel plan you would like to edit. 3. Tap the Edit button. 4. Make the necessary changes and tap the Update button when you are finished. 5. Tap the Yes button.

Card Management: Manage Travel Plans

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Deleting a Travel Plan Delete an existing travel plan when it is no longer needed.

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3 Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Tap the Manage Travel Plans tab. 2. Tap the travel plan you would like to delete.

3. Tap the Delete button. 4. Tap the Delete button.

Card Management: Manage Travel Plans

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Card Management Report Card Lost/Stolen

When you tap the Report Card Lost/Stolen option, your card will be turned off to prevent unauthorized purchases. Recurring payments will still occur.

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Tap the Report Lost or Stolen tab. 2. Click the Continue button. 3. Call Northwest at 877-672-5678 to complete the report.

Card Management: Report Card Lost/Stolen

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Card Management Set PIN

Easily create a PIN for your card.

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Log into our Northwest Online Banking or Mobile Banking app. Click the Cards tab. 1. Tap the Set PIN tab. 2. Select the communication method you want to use (email or text) to receive a security code. Once you receive and enter the code, you may proceed with creating a PIN. 3. Enter and confirm your 4-digit PIN. 4. Tap the Submit button.

Card Management: Set PIN

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eStatements Viewing Your Statements

The eStatements feature is a great virtual filing system, saving paper and space in your home or office by allowing you to view and store your statements electronically.

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In the Accounts tab, click eStatements . 1. Read through the Online Services Agreement & Disclosure then click the Accept button.

eStatements: Viewing Your Statements

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2. Click the Manage Preferences tab. 3. Enter and confirm your email address. 4. Using the “Enroll” drop-down, select which accounts you wish to receive statements from. 5. Click the Next button. 6. Verify your selections are correct and click the Submit button when you are finished. eStatements: Viewing Your Statements

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7. Select the account you would like to view. 8. Using the “For the period ending:” drop-down, select the date of the statement you would like to view. 9. Download and/or print a statement by clicking “Download Printable Document” link.

eStatements: Viewing Your Statements

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Stop Payment Stop Payment Request

Single Check If you’re ever worried about a pending written check, you can initiate a stop payment request to prevent that check from being processed.

Note : Before creating a stop payment you must accept the stop payment terms.

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In the Accounts tab, click Stop Payment . 1. Select the appropriate account using the drop-down. 2. Select “Single Check.” 3. Enter the check number. 4. Enter the amount. 5. Enter the biller. 6. (Optional) Select a check date. 7. Use the drop-down to select a reason. 8. Click the Submit button when you are finished.

Stop Payment: Stop Payment Request

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Multiple Checks If you’re ever worried about multiple pending written checks, you can initiate a stop payment request to prevent the checks from being processed.

Note : Before creating a stop payment you must accept the stop payment terms.

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In the Accounts tab, click Stop Payment . 1. Select the appropriate account using the drop-down. 2. Select “Range of Checks.” 3. Enter the starting check number. 4. Enter the ending check number. 5. Use the drop-down to select a reason. 6. Click the Submit button when you are finished.

Stop Payment: Stop Payment Request

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Stop Payment History

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Stop Payment History

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In the Accounts tab, click Stop Payment . 1. Click the “View Stop Payment History” link. 2. Select the appropriate account using the drop-down. 3. Click the Search button. 4. Your stop payment history will be displayed below.

Stop Payment: Stop Payment Request

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Security Protecting Your Information

At Northwest, security and protection of your personal information is our top priority. Our Online and Mobile Banking allows you to take even further precautions to establish additional security. General Guidelines • Make sure your operating system and antivirus software are up to date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your computer unattended while using Online Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Online Banking when you’re finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of uppercase and lowercase letters, numbers and special characters. • Do not create passwords containing your initials or birthday. • Change your passwords periodically. • Memorize your passwords instead of writing them down. • Only register personal devices, and avoid using features that save your login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone or through email. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at 877-672-5678.

Security: Protecting Your Information

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Security Profile Updates

We take security very seriously at Northwest. So we have added various tools to help you better protect your account information. You can add and manage these features in Profile Updates to strengthen your Online Banking experience. Change User ID You can also change your user ID at any time. Create a unique user ID you will remember and follow our required guidelines.

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Click your name in the top right corner. In the Profile tab, click User ID . 1. Enter and confirm your new user ID. 2. Click the Update button when you are finished making changes.

Security: Profile Updates

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Change Password You can change your Online Banking password whenever you want to. We recommend changing your password regularly and following our guidelines to create a strong password.

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Click your name in the top right corner. In the Profile tab, click Password . 1. Enter your current password. 2. Enter and confirm your new password. 3. Click the Update button when you are finished making changes.

Security: Profile Updates

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Contact Information It is important to keep Northwest updated with your most current contact information. We have made it simple for you to edit your personal data.

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Click your name in the top right corner. In the Profile tab, click Contact Information . 1. Update your contact information. 2. Click the Submit button when you are finished. Security: Profile Updates

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Security Questions For your protection, you can establish new security questions and answers. Just like changing your password frequently, changing your security questions and answers helps to ensure the security of your accounts. Note : If we notice unusual activity concerning your account, we will ask some of the questions below to verify your identify and maintain the security of your account.

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Click your name in the top right corner. In the Profile tab, click Security Questions . 1. Select and answer your security questions. 2. Click the Continue button. 3. Review your security questions and answers, and click the Submit button.

Security: Profile Updates

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Change Language You can change the language from within online banking and it will be immediately applied to all of your devices.

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Click your name in the top right corner. In the Profile tab, click Change Language . 1. Select your language. 2. Click the Update button when you are finished.

Security: Profile Updates

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Security Message Overview

If you have questions about your accounts or need to speak with someone at Northwest, Messages allow you to communicate directly with a Northwest account holders service representative. From the Messages page, you can find replies, old messages or create new conversations.

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Click your name in the top right corner, then click Messages . A. Click on a message to open it. B. Click the icon to delete a message C. Delete an opened message by clicking the Delete Thread button or reply by clicking the Reply button.

Security: Message Overview

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Security Sending a Secure Message

Starting a new conversation through Online Banking is just as effortless as sending an email. Unlike an email, you can safely include confidential information relating to your accounts or attach files within a new message.

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Click your name in the top right corner, then click Messages . 1. Create a new message by clicking the “Compose New” link in the top left corner. 2. Use the drop-down to select a category. 3. (Optional) Use the drop-down to select an account. 4. Enter the subject. 5. Enter your message. 6. Check the box to add an attachment.

7. Check the box to receive a response notification. 8. Click the Send button when you are finished.

Security: Sending a Secure Message

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Transfer Money Make a Transfer

Use the Make a Transfer feature when you need make a one-time or recurring transfer between your accounts. These transactions go through automatically, so your money is always where you need it to be.

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In the Transfer Money tab, click Make a Transfer . 1. Select the accounts to transfer funds between using the “From” and “To” drop-downs. 2. (For loan payments) Select a payment option. 3. Enter the amount to transfer. 4. Use the drop-down to select a scheduling option.

Transfer Money: Make a Transfer

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5. For recurring transfers:

a. Use the drop-down to select a frequency. b. Decide how long the transfer will continue.

6. If necessary, select a send on or start date. 7. (Optional) Enter a description. 8. Check the box to receive an alert when the transfer is executed. 9. Click the Transfer button.

Note : You can view, edit or cancel unprocessed transactions by accessing Transfer History.

Transfer Money: Make a Transfer

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Transfer Money Transfer History Overview

All transactions initiated through Make a Transfer appear in the Transfer History.

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In the Transfer Money tab, click Transfer History . A. Scheduled transfers appear in the Scheduled Transfers tab. B. Processed transfers appear in the Transfer History tab. C. Click a header to sort transfers. D. Click the icon next to a transfer to view more details.

Transfer Money: Transfer History Overview

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Transfer Money Editing Transfers

Quickly edit scheduled transfers.

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In the Transfer Money tab, click Transfer History . 1. Browse through your scheduled transfers and locate the transfer you would like to edit. 2. Click the “Edit Transfer” link. 3. Make the necessary edits and click the Update button when you are finished.

Transfer Money: Editing Transfers

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Transfer Money Canceling Transfers

Transfer History shows all scheduled transfers that have not posted to your account. You can cancel scheduled transactions up until their process date.

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In the Transfer Money tab, click Transfer History . 1. Browse through your scheduled transfers and locate the transfer you would like to cancel.

2. Click the “Cancel Transfer” link. 3. Click the Cancel Transfer button.

Transfer Money: Canceling Transfers

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Transfer Money Canceled Transfers

View a list of canceled transfers.

In the Transfer Money tab, click Canceled Transfers .

Transfer Money: Canceled Transfers

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Transfer Money Deposit Only Accounts

If you have a friend or relative that also banks through Northwest, Deposit Only Accounts allows you to send them money. After you provide the information below, a new deposit only account is added to your list of destination accounts on the “Make a Transfer” screen.

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In the Transfer Money tab, click Transfer Accounts . 1. Click the Add Account button. 2. Click the Someone Else’s Account At Northwest Bank (Deposit Only) button. 3. Enter an account nickname. 4. Select an account type from the “Account Type” drop-down.

5. Enter and confirm the recipient’s account number. 6. Click the Add Account button when you are finished.

Transfer Money: Deposit Only Accounts