APY = Annual Percentage Yield. The interest rate and APY on your account are variable, set by bank discretion and may change at any time. Interest will be compounded daily and credited monthly. If you close your account before interest is credited you will receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day when the bank receives credit for a deposit of non-cash items (for example, checks). You must deposit $10,000.00 to open this account. Limit of 6 transfer/withdrawals per statement cycle. Unlimited transfers/withdrawals are allowed if completed in-person at an ATM or Northwestern Bank location. If you exceed the transfer limitations set forth above in any statement cycle, your account will be subject to closure. There will be a monthly service charge of $10 if the daily ledger balance drops below $10,000 on any day of the statement cycle. There will be a $10 monthly service charge for mailed paper statements. This charge can be avoided by signing up for electronic statement through online banking. Dormant accounts with a ledger balance of $50.00 or less will be charged a $2 monthly fee. An account is considered dormant after 12 consecutive months of no activity. Account statements and account related item images are kept for 7 years.

APY = Annual Percentage Yield. The interest rate and APY on your account are variable, set by bank discretion and may change at any time. Interest will be compounded daily and credited monthly. If you close your account before interest is credited you will receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day when the bank receives credit for a deposit of non-cash items (for example, checks). You must deposit $10,000.00 to open this account. Limit of 6 transfer/withdrawals per statement cycle. Unlimited transfers/withdrawals are allowed if completed in-person at an ATM or Northwestern Bank location. If you exceed the transfer limitations set forth above in any statement cycle, your account will be subject to closure. There is no charge for the first 25 items deposited (not drawn on Northwestern Bank) per statement cycle, each additional item is $.07. There is no monthly maintenance fee or per check charges. Dormant accounts with a ledger balance of $50.00 or less will be charged a $2 monthly fee. An account is considered dormant after 12 consecutive months of no activity. Account statements and account related item images are kept for 7 years.

APY = Annual Percentage Yield. The interest rate on your account is .15% with an annual percentage yield (APY) of .15%. The interest rate and APY on your account are variable, set by bank discretion and may change at any time. Interest will be compounded and credited monthly. If you close your account before interest is credited you will receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance in the account each day. Interest begins to accrue no later than the business day when the bank receives credit for a deposit of non-cash items (for example, checks). Limit of 6 transfer/withdrawals per statement cycle. Unlimited transfers/withdrawals are allowed if completed in-person at an ATM or Northwestern Bank location. If you exceed the transfer limitations set forth above in any statement cycle, your account will be subject to closure. You will get a monthly account statement, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly. You must deposit $10 to open this account. There is a monthly minimum balance fee of $2 if the average monthly ledger balance drops below $50. Account statements and account related item images are kept for 7 years.