Get connected with everything Checking has to offer. And get back to living. INSIDE. We make it easy. Get connected in 6 simple steps.

Transcription

1 Get connected with everything Checking has to offer. And get back to living. INSIDE We make it easy. Get connected in 6 simple steps.

2 Welcome

3 Thank you for choosing Northwest. Let us walk you through the switch process, step by step. Our welcome kit is designed to make switching to our bank or adding a product or service seamless and hassle free. Just follow these six easy steps and you ll be on your way to better banking. Step 1. OPEN YOUR CHECKING ACCOUNT AT NORTHWEST Step 2. MAKE A LIST OF YOUR DEPOSITS AND PAYMENTS OR WITHDRAWALS Step 3. SIGN UP FOR FREE ONLINE AND MOBILE BANKING Step 4. SIGN UP FOR DIRECT DEPOSIT Step 5. CHANGE THE WAY YOU PAY YOUR BILLS Step 6. STOP USING AND CLOSE YOUR OLD ACCOUNT Questions? Visit your local Northwest or call Northwest Direct at , weekdays, 7 a.m. 8 p.m., or Saturdays, 8 a.m. 1 p.m.

4 Step 1. Open your checking account at Northwest Visit your local Northwest office To find the office or ATM closest to you, use the office locator linked from our homepage at OR Open your account online Visit and look for the link to MyNorthwest Checking. With, you can always count on convenient access Free Online Banking and Online Bill Pay Free Mobile Banking* Mobile Deposit Quickly, conveniently and securely deposit checks into your Northwest accounts using your smartphone or tablet* Free estatementsplus, paperless statements delivered electronically through Online Banking Free Northwest Visa Check Card with GO! Rewards Bank free at more than 55,000 ATMs in the Freedom ATM Alliance and Allpoint networks AuToMatic Deposit ATMs in certain locations Offices in Pennsylvania, Maryland, New York and Ohio Northwest Direct, live toll-free customer service. Bankline, 24-hour automated telephone access Live Chat, online customer service *Mobile data or text charges may apply. Northwest Bank is Member FDIC Questions? Visit your local Northwest office or call Northwest Direct

5 Look for this form in the back pocket Step 2. Make a list of your deposits and payments FORM A Deposit and Payment Worksheet Use Form A to list all your deposits and payments or withdrawals in one place for easy reference. Deposits: List all of your deposits from places like: Employers Pensions or retirement plans Social Security Investment income Payment Method Under payment method, indicate how each payment is made: Check Direct Deposit How to find your routing and account numbers Check Number Payments: List the bills you pay regularly like: Mortgage or rent Auto loans Insurance Credit cards Utilities Gym membership Retirement Daycare Payment Method Choose how you want to manage payments using Northwest s convenient options: Online Bill Pay Manage your expenses using Northwest Online Banking. Mobile Banking Pay bills using the Northwest mobile app or mobile web banking. Automatic payments Provide companies with your Northwest account information so they can draw from your account automatically Bank Routing Number Your Account Number Check Number Pay by check Your Northwest checking account allows unlimited check writing at , weekdays, 7 a.m. 8 p.m., or Saturdays, 8 a.m. 1 p.m.

6 Step 3. Sign up for free Online and Mobile Banking * Sign up for Online Banking at Enroll in Online Bill Pay, estatementsplus and Mobile Banking when you log in to Online Banking. It s that easy. Free Online Banking Finding it difficult to get to the bank? When you can t visit us in person, rest easy knowing that secure, convenient access to all of your Northwest accounts is as close as your nearest web browser. View account balances, statements and check images Make loan payments, transfer funds and initiate stop payments Reorder checks Access Northwest accounts directly from Quicken or Quickbooks using Direct Connect Free Online Bill Pay Online Banking really makes life easy when you sign up to pay all of your bills online. Free estatementsplus Go paperless! Now you can receive electronic statements plus other important account documents securely within Online Banking. Free Mobile Banking * Always on the move? We have banking that fits the way you live, right from your mobile device. After you enable Mobile Banking in Online Banking, download our mobile app from your iphone, ipad, Android or Android tablet. Access account information 24/7 Transfer funds and pay bills Mobile Deposit Quickly, conveniently and securely deposit checks into your Northwest accounts using your smartphone or tablet * IBM Security Trusteer Rapport Your security is our top priority. Trusteer Rapport offers free online fraud protection for Northwest Online Banking customers. Removes existing financial malware from your computer Prevents financial malware infections Stops phishing scams that trick you into revealing private financial information *Mobile data or text charges may apply. Questions? Visit your local Northwest office or call Northwest Direct

7 Look for these forms in the back pocket Step 4. Sign up for Direct Deposit FORM B FORM C Direct Deposit Fill out our quick and easy Direct Deposit Enrollment form (Form B) and give it to your employer to transfer your payroll directly into your Northwest checking account. Your employer may have their own direct deposit enrollment form. Be sure to check with the representative in your company who handles payroll. If you have multiple employers, please make copies as needed. Government Benefits Complete our Government Benefits Enrollment form (Form C) and return it to your local Northwest office to transfer your government benefits directly into your checking account. You can also enroll by calling the U.S. Treasury Electronic Payment Solution Center at or enroll online at at , weekdays, 7 a.m. 8 p.m., or Saturdays, 8 a.m. 1 p.m.

8 Look for this form in the back pocket Step 5. Change the way you pay FORM D With Northwest, you can manage payments and withdrawals from your account in several ways. Sign up for free Online Bill Pay in Online Banking to: Pay bills securely Set up recurring payments Receive reminders about bills Track and view payment history Automatic Payment Change Request Make copies and submit Form D to any company that withdraws funds from your account automatically. Automatic payments Provide your account information to companies that automatically withdraw payments from your account using either your account and routing number or your check card number Unlimited check writing Questions? Visit your local Northwest office or call Northwest Direct

9 Step 6. Stop using and close your old account Stop using your old account Make sure all of your automatic deposits are going into your new Northwest account Make sure all checks, withdrawals and recurring check card payments have been taken from your old account Close your old account After all items have cleared from your old account, contact your old financial institution to find out how to close it. You may have to close your account in person. Destroy old forms After closing your old account, be sure to destroy your old debit cards, checks, and other forms related to your old account. at , weekdays, 7 a.m. 8 p.m., or Saturdays, 8 a.m. 1 p.m.

10 Check List Use this check list to ensure that necessary or applicable steps have been completed. I opened my new Northwest account I went to and signed up for free Online Banking to: View account balances Transfer funds Make loan payments View and print statements View and print check images Initiate stop payments Reorder checks from Deluxe Access your accounts with Quicken or Quickbooks using Direct Connect Pay bills I signed up for estatementsplus in Online Banking to securely receive electronic statements and other important account documents I enabled Mobile Banking through Online Banking and downloaded the Northwest mobile app to my mobile device to: Check balances View recent transactions Transfer between accounts Pay bills Find Northwest offices and ATMs Deposit checks I signed up for Direct Deposit Payroll (employer(s)) Government benefits I signed up for Online Bill Pay or notified the following companies that automatic payments should be taken from my new Northwest account: Government benefits Mortgage or rent Auto loans Insurance Credit cards Utilities Gym membership Retirement Daycare Other I made sure that money is no longer going into or being taken from my old account I closed my old account and destroyed all related materials Questions? Visit your local Northwest office or call Northwest Direct at , weekdays, 7 a.m. 8 p.m., or Saturdays, 8 a.m. 1 p.m.

11 Contact one of our professionals today to start a conversation about any of our products and services. Personal Banking Checking MyNorthwest Checking MyNorthwest Interest Checking Savings Statement Savings Insured Money Fund Certificates of Deposit (CDs) Individual Retirement Accounts (IRAs) Health Savings Account Loans ** Personal Loans Home Mortgage Loans Home Equity Loans Home Equity Lines of Credit Visa Credit Cards Business Banking Checking Investment Sweep Accounts * Cash Management Merchant Services Express Deposit (Remote Capture) ** Business Debit Cards ACH/Direct Deposit Services ** Commercial Loans ** Equipment Loans Commercial Real Estate Loans Business Construction Loans Credit Cards Investment Management * Personal Services * Traditional/Roth IRAs IRA Rollovers Investment Advisory * Financial Planning Wealth Management Retirement Plan Services * Qualified Retirement Plans Public Pension Plans Trust Services * Estate Settlement/Probate Services Estate Planning Living and Testamentary Trusts Custody Services Oil, Gas and Mineral Management Services Pre-lease planning Lease income planning and management Royalty Manager Services Insurance * Health and Welfare Programs * Group Health, Vision and Dental Plans Prescription Drug Programs Life, Disability and Long Term Care Wellness Programs Property and Casualty * * Investments: Not FDIC Insured. Not Bank Guaranteed. May Lose Value. Insurance: Not FDIC Insured. Not Bank Guaranteed. May Lose Value. Not a Bank Deposit. Not Insured by Any Government Agency. ** Subject to credit approval. Deposit products offer by Northwest Bank Member FDIC. Northwest Direct at Weekdays, 7 a.m. 8 p.m., or Saturdays, 8 a.m. 1 p.m.

12 DEPOSITS & PAYMENTS CHECKLIST Use this form to make a list of all of your deposits and payments to be sure you redirect all transactions to and from your new Northwest account. FORM A DEPOSITS Payment Company Account Number Amount Payment Method Frequency Payroll $ Pension(s) Retirement $ Social Security $ Investment Income $ Other $ Other $ PAYMENTS Payment Company Account Number Amount Payment Method Frequency Mortgage/Rent $ Auto Loan $ Auto Loan $ Insurance $ Credit Card $ Credit Card $ Credit Card $ Gas/Oil $ Electric $ Cable/TV $ Telephone $ Cell Phone $ Water $ Trash Removal $ Internet Provider $ Gym $ Investments $ IRA/Retirement $ Charities $ Daycare $ Tuition/School Expense $ Other $ Other $ Northwest Direct: Member FDIC

13 DIRECT DEPOSIT ENROLLMENT This form authorizes your employer (or any company that regularly sends deposits to you) to deposit funds to your new Northwest account. Make copies of this form to provide to all companies that make a direct deposit. For government benefits, please use the Government Benefits Enrollment form on the next page. If your employer is unable to accept this form, please request a copy of their authorized form. FORM B To: Company Name Address City State Zip Code From: Name Social Security number Address City State Zip Code Northwest Primary Account Account Number: Account Type: Checking Savings Routing Number: Amount: Total Funds Balance of Funds If the company allows direct deposit to more than one account, I authorize to have additional funds deposited to the following account. (Make copies of this form if more than two accounts are needed.) Northwest Optional Secondary Account Account Number: Account Type: Checking Savings Routing Number: Amount: Total Funds Balance of Funds Signature Date Northwest Direct: Member FDIC

14 GOVERNMENT BENEFITS ENROLLMENT This form authorizes the government to deposit your funds to your new Northwest account. Return this form to your local Northwest office. Note: All information listed on this form must match the records of the government. If the government benefits office is unable to accept this form, please request a copy of their authorized form. FORM C From: Name of person entitled to payment (Exactly as on check) Social Security number Address (exactly as on check) City State Zip Code Phone Number Northwest Information: Type of Benefits (Check One): Account Number: Railroad Retirement Board (RRB) Account Type: Checking Savings Veterans Administration (VA) Routing Number: Civil Service (CSA, CSF) Please attach a copy of your Social Security card, check or annual statement. If you are a representative payee, please visit your local Northwest office. Social Security (SSA) Supplemental Security Income (SSI) For Bank Use Only: Today s Date Branch Number Name of Northwest Employee Contact Northwest Direct: Member FDIC

15 AUTOMATIC PAYMENT CHANGE REQUEST This form authorizes any company to redirect your automatic payment to your new Northwest account. Complete a new form for each company you wish to change. Please note some companies require up to three weeks notice before the change is effective. FORM D To: Company Name Address City State Zip Code From: Name Social Security number Address City State Zip Code Account Number Northwest Information: I opened a new checking account at Northwest. Please redirect my automatic payment to my new Northwest account. If you are unable to accept this form, please your authorized form to me at the address above. Account Number: Routing Number: Attach a voided Northwest check here. Signature Date Northwest Direct: Member FDIC