Debit/ATM Card

Mobile wallets are available to Northwest Bank debit cardholders!

Get a Debit Card with Your Northwest Bank Account—Easy Access to Your Money Anytime, Anywhere!

When you open a checking account with Northwest Bank, you can get a debit card packed with great features to simplify your banking experience.

  • Instant Access: Use your card to make purchases, pay bills, or withdraw cash.
  • Contactless Payments: Tap and go for quick, secure transactions.
  • Card Alert and Controls - Keep tabs on your Northwest Bank Debit Card with NB Card Secure.
  • Mobile Wallet Ready: Add your card to Apple Pay, Google Pay, or Samsung Pay for seamless digital payments.
  • Accessible: Access your debit transactions through your Northwest Bank Online and Mobile Banking.
  • Fraud Protection: Your transactions are secure with advanced monitoring and fraud detection.
  • No ATM Fees at any Northwest Bank owned ATMS.

Call or Stop By Today     Schedule an Appointment

 

Get Set-Up For Google Pay, Apple Pay, Or Samsung Pay

Whether you're shopping, dining, or managing your finances on the go, your Northwest Bank debit card makes life easier!

Add Your Northwest Bank Debit Card to Your Digital Wallet. Say goodbye to fumbling for your wallet and hello to quick, secure payments with your phone! Northwest Bank makes it easy to add your debit card to your digital wallet for seamless transactions on the go.

Use Apple Pay, Google Pay, or Samsung Pay at millions of locations worldwide.

Get Set-Up | Digital Wallet Instructions

 

A Person Looking At The Alerts On Their Phone And Managing Their Account Online

Your Cards, On Your Terms!

A Better Debit Card Experience At Your Fingertips with NB Card Secure.
Protect your debit cards through your mobile device by receiving alerts and defining when, where and how your debit card is used. Track your card use and get alerts on your card!
Check It Out
Using A Debit Card At The ATM

ATM Locations

Access thousands of ATMs across the United States.
Just look for the Northwest Bank or MoneyPass® logo on the sign at the ATM. They are easy to find online, click on the link below and start enjoying the benefits of our ATM Networks!
Northwest Bank ATM Locator MoneyPass® ATM Locator
  • Spend, Save, Repeat!

    Round Up Savings Program

    Make the change and start saving effortlessly with Round Up! Every time you use your debit card, purchases are automatically rounded up to the nearest dollar, with the extra change transferred straight to your savings. It’s an easy and hassle-free way to build up your savings without even thinking about it.
    View Details

What should I do if my Northwest Bank Debit or ATM Card has been lost or stolen?

Keeping your account safe and secure is our highest priority. We are here to help.

  • Contact a Northwest Bank Representative M-F from 7:00 am - 7:00 pm or Saturday 8:00 am - 12:00 pm at 1-800-678-4105
  • During after hours, please contact the Card Processing Center at 1-800-472-3272
Contact Us

You may receive fraud alerts as part of our debit card protection program 24/7 when suspicious activity is detected on your Northwest Bank debit card. This allows for faster communication in detecting potential fraudulent activity. 

This added protection to your debit card is automatic and text message alerts are free. Please make sure Northwest Bank always has your current contact information so we can ensure you are properly reached if fraudulent activity is suspected.

  • Always let Northwest Bank know when you plan to travel out of state and out of the country. This can help avoid potential blocks on your debit card allowing you to use it more freely.
  • In case your debit card is blocked from fraudulent transactions, we recommend always carrying multiple forms of payment with you.

Frequently Asked Questions

Enfact is fraud prevention software from our debit card provider, that helps identify and reduce fraud risk by detecting potentially fraudulent PIN-based and signature-based debit transactions. It has a proven reputation of helping minimize payment card fraud losses.

Enfact reviews how and where your card is being used and scores transactions based on transaction data and cardholder profile factors. Each transaction is given a score from one to 999, and the higher the score, the greater the likelihood that the transaction is fraudulent.

A Fraud Specialist will call you if any suspicious activity is detected on your account. If they are unable to reach you, they will leave a message with their contact information.

On high-risk activity scenarios, they will suspend activity immediately on your debit card until they can talk to you to determine if the risk is fraudulent activity or not. This process has saved our customers thousands of dollars in potential loss. 

They will ask you to verify your address. Once your address has been verified, they will then ask you to confirm your purchase activity. They will never ask for your personal information, such as the last four digits of your Social Security number, security codes, etc. 

One of the reasons may be that it was flagged as highly likely to be fraud, based on the way you typically use your card. If your transaction is declined for that reason, you will receive a phone call from a Fraud Specialist to verify the transaction. If it was a legitimate transaction, the details will be made part of your card profile so that these types of transactions have a greater chance of being approved in the future.

 Tips for preventing card fraud on your account...

  • Memorize your PIN. Don ‘t write it on your card or anything you carry near your card.
  • Don’t tell anyone your PIN or account number.
  • Don’t loan anyone your card.
  • Report lost or stolen cards immediately. You may be liable for activity on your card if you do not report it as lost or stolen.
  • NEVER give your PIN over the phone, especially cellular phones.
  • NEVER respond to a link or phone number in an e-mail message requesting personal information. Phishers often use this scam to trick you into divulging personal data

With real-time processing, your account will automatically be updated whenever a transaction is processed with your Northwest Bank debit card. Whether you use your debit card every two minutes or two hours, you’ll appreciate having the most up-to-date account information available — immediately. 

When you swipe your card at a business, an authorization will take place immediately. This initial authorization will appear right away on your account and be visible to you through internet banking. Once the business ends their business day and sends their debit card transactions for processing, the actual transaction will post to your account. This will help you understand why a transaction could be pending for 1 day or 3 days, it’s all dependent on the business and when they send their transactions for processing.

Real-time processing will also help further protect your account from potential fraud. With automatic updates to your account balance, you’ll be able to view all your account transactions right away. If you notice any suspicious activity on your account, report it immediately to Northwest Bank.


The initial authorization and the actual posted transaction may differ in amounts, dependent on the type of business you use your card at. The following are a few examples of when the authorization and actual transaction may be different:

  • Pay at the pump gas station authorizations will always be different than the actual amount that posts to your account. Gas stations won’t know how much your total fuel purchase is until the end, so the authorization amount will verify the validity of the card and the actual transaction that’s posted to your account will be for the amount of your fuel purchase. Gas stations authorize anywhere from $1.00 to $75.00.
  • Restaurants often authorize the transaction for 20% more than your bill. They will then adjust your transaction to correctly reflect the tip amount and this will be the amount that posts to your account.
  • Hotels usually authorize for amount greater than the agreed upon to possibly cover any incidentals or extra charges. At the end of your stay, only the amount that you are responsible for will be processed and charged to your account.

Overdraft Services

Debit and ATM cards are a convenience it's hard to imagine living without. Using debit and ATM cards makes it easier than ever to make purchases and payments, but it also makes it easier to overdraw a checking account and incur fees associated with overdraft* services. As a result federal lawmakers have created new rules governing overdraft protection programs.

You now have an option concerning whether you want to continue to have our overdraft service cover your ATM or one-time debit card transactions. Please take note that this opt-in rule applies only to ATM and everyday debit card transactions and does not pertain to overdraft* services associated with written checks or recurring debit transactions, such as regularly scheduled bill payments.

Why Opt-In?

Northwest Bank's overdraft service is designed with your protection and convenience in mind for your ATM or everyday debit card transactions. The vast majority of our customers do not overdraw their accounts and incur fees, however life doesn't always go according to plan, and overdrafts do occur. Without overdraft services, your ATM and one-time debit card transactions may be declined if you attempt to make a transaction without sufficient funds.

What You Need To Know About Overdrafts And Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can pay your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What Are The Standard Overdraft Practices That Come With My Account?

We DO authorize and pay overdrafts for the following types of transactions:

  1. Checks and other transactions made using your checking account number:
  2. Automatic bill payments

We DO NOT authorize and pay overdrafts for the following types of transactions unless you ask us to:

  1. ATM transactions
  2. Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we DO NOT authorize and pay an overdraft, your transaction will be declined.

What Fees Will I Be Charged If Northwest Bank Pays My Overdraft*?

Under our standard overdraft practices:

  1. We will charge you a fee of up to $28.00 each time we pay an overdraft.
  2. The maximum amount you can be charged for overdrafts in a single day is $112.00.

How to opt-in if you want Northwest Bank to Authorize and Pay Overdrafts* on your ATM and Everyday Debit Card Transactions

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions call 800-678-4105 or complete this form. After reading the details above, you may complete the on-line consent form below and click submit at the bottom of the page. You will immediately receive a confirmation email that your form has been submitted. Please note that we will make the change to your ATM or Debit card within two business days. If you would prefer you may print the form to complete and mail back to 1607 W. 18th St. Spencer, IA 51301. If you have questions, please feel free to visit any Northwest Bank location or call us at 1-800-678-4105. We will be happy to answer any questions you have.

Loading...
MM/DD/YYYY
Confirmation
System.Threading.Tasks.Task`1[System.Threading.Tasks.VoidTaskResult];
*Overdraft service is subject to approval. If you are eligible for this service, we may pay overdrafts for any type of transaction each business day, authorized from your account, at our discretion.  We do not guarantee we will always authorize and pay any type of transaction if you have not opted-in.  We will charge you a fee up to $28 for each overdraft.