Online Banking, Online Bill Pay and eStatements – Frequently Asked Questions
What is Online Banking?
Northwest Bank & Trust Company Online Banking provides 24 hour access to your account information through the Internet. With the click of the mouse, you can perform the following banking transactions from anywhere you have Internet access:
- Review account balances and transaction history
- Transfer funds between accounts
- Make loan payments from checking or savings
- Retrieve and print account statements
- Place a stop payment order (excludes debit card transactions)
Is there a fee to use Online Banking?
Online Banking at Northwest Bank & Trust Company is free. Additional online services, such as online bill pay, stop payment orders or check re-orders are assessed the standard fee as outlined in your account agreement.
What type of account information is available with Online Banking?
You have access to all of your Northwest Bank & Trust Company accounts including checking, savings, certificates of deposit, and all lines of credit, installment and mortgage loans. You can review current transactions, see images of checks posting (images are only available with the current bank statement) and view your last twelve monthly bank statements.
How current is the financial information?
Checking and savings information is real time and reflects transactions as they post throughout the business day. Loan information is current as of the close of business for the previous business day.
What are the system requirements to access my accounts online?
You can access Online Banking and Online Bill Pay from any computer using a browser that supports 128-bit encryption. Microsoft Internet Explorer version 5.5 or greater and Netscape Communicator version 7.0 or greater are recommended. Adobe Acrobat is required to view your eStatement.
How secure in banking online?
Northwest Bank & Trust Company uses the latest industry approved security technologies to protect the data of our customers. This includes password-controlled system entry with Multifactor Authentication, Secure Sockets Layer (SSL) protocol for data encryption and a router loaded with a firewall to regulate the inflow and outflow of our server traffic. We also require 128-bit browser encryption capability to further secure your financial information.
How do I sign up for Online Banking?
Click here to enroll in online banking. Click on “New Enrollment” and complete the First Time Login information screen, then click “Submit”.
Account Number — Enter one of your account numbers
Account Type — Use the drop down arrow to select the type of account number entered.
Telebank Password — Enter your 4 digit Telebank Password for immediate access to your account(s) online.
If you do not use Telebank, call Customer Support at 563.388.2511 during normal business hours to obtain a Telebank password.
What type of password is required to use Online Banking?
The system requires a Username, Password, IP Address Recognition and Challenge Questions.
Username – Minimum of six digits with a maximum of ten digits and is case sensitive.
Password – Minimum of eight digits with a maximum of ten digits. The Password must contain two alpha characters AND two numeric characters and is case sensitive.
IP Address Recognition – The system will log the address of your computer. The next time you log into the system, if the IP address matches then access is granted without security questions. If the IP address does not match, a security question must be answered to enter the system.
Challenge Questions – You will need to answer three questions. Each question has a drop down box to select the question(s) of your choice. The Challenge Questions are used to authenticate the user when accessing Internet Banking from a non-registered computer.
Both the Username and Password are case sensitive. If you use upper case when choosing your Username or Password, upper case must be used every time. Your address or telephone number should not be used as your password. You are encouraged to change your password frequently.
What should I do if I forget my password?
On the Log In page, enter Username and click “Forgot password?” and follow instructions to reset password. Your temporary password will be sent to the email address on file. The password will only be valid for 30 minutes. If you need additional log in assistance please call us at 563.388.2511 during regular business hours.
How do I change my password?
Click on the Profile Tab and select “Edit Password”. You will be prompted to enter your current password, then the new password twice in the boxes provided, click “Save”.
How often does my password expire?
Passwords expire every six months. You can change your password anytime.
What is Online Bill Pay?
With Online Bill Pay customers can pay their monthly bills electronically. No more checks, envelopes and stamps. Simply click on the Bill Payment tab, follow the enrollment procedures and enjoy paying bills with the click of your mouse.
Is there a fee to use Online Bill Pay?
Customers who enroll in Online Bill Pay will be charged $2.95 per month, on the first of the month, and the fee will appear on your bank statement. If in any month five payments or more have been made during the month, the $2.95 fee will be waived.
How do I enroll in Online Bill Pay?
After logging in to Online Banking, click on the Bill Payment tab and follow the enrollment procedures.
Who should I contact if I have questions about Online Bill Pay?
Bill Pay Customer Service can be reached at 844.298.8341 between the hours of 6:00 AM – 12:00 AM Central Time, 7 days a week.
What is an eStatement?
An eStatement provides your monthly bank statement electronically. Customers enrolled in eStatement will receive an email notification their bank statement is ready in Online Banking to view, print or save to their computer.
Is there a fee for eStatement?
Receiving an eStatement is free.
How do I access my eStatement?
You will receive an email each month telling you your statement is available in Online Banking. Log in to Online Banking, select the account to view, click on the Documents tab and select the statement you wish to view.
Who do I contact for additional questions?
Call Customer Support at 563.388.2511 for assistance with Online Banking or any of your financial needs.
IMPORTANT SECURITY NOTICE:
Northwest Bank & Trust Company will never contact you by phone, email or text message to request confidential information. If you receive any correspondence requesting you reply with account or personal information, close the correspondence and contact us immediately at 563.388.2511.