Saves Money

• $250 minimum deposit to open account
• No monthly fee
• No monthly fee ShazamChek Card
• No per item charges
• No minimum balance

Provides Convenience

• 24-hour phone banking
• Monthly statements
• Automatic transfer from checking into savings or loan accounts

Provides Security

• Safekeeping of cancelled checks
• FDIC insured

Saves Money

• $9 monthly fee is waived with a minimum balance of $750 in your Interest Checking Account or $10,000 in combined personal deposit balance in Savings and Certificates of Deposit per Interest Checking Account. (Excluding IRAs).
• No monthly fee ShazamChek Card
• No per-item charges
• Automatic transfers available

Makes Money

• Pays interest on your balance

Provides Convenience

• 24-hour phone banking
• Monthly statements

Provides Security

• Safekeeping of cancelled checks
• FDIC insured

Saves Money

• $9 monthly fee is waived with a minimum balance of $2,500 in your Key Account or $10,000 in combined personal deposit balances in Savings and Certificates of Deposit. (Excluding IRAs)
• No per item charges
• Automatic transfers available
• One box of free checks per year*
• Safe Deposit Box discount*
• No monthly fee on ATM card
• No monthly fee ShazamChek Card
• No fee on Travelers Checks
• No fee on Bank Money Orders
• Local Merchant Discount Card*
• Overdraft Charge refund*
• Consumer loan discount*
• Real Estate loan discount*
• Short Notice Travel

Makes Money

• Pays interest
• $10,000 AD&D insurance* (additional coverage available)
  Higher bonus rates on new CD dollars deposited into Northwoods Bank**

*Insurance products available at the bank are not a deposit and may go down in value. These products are not insured by the FDIC or any federal government agency and are not guaranteed by the bank.

**Annual coupon item

Provides Convenience

• 24 Hour Phone Banking
• Monthly Statements

Provides Safety

• Safe keeping of cancelled checks
• FDIC insured
• Key ring registration
• Credit Card Registration

50+ Benefits
For Customers age 50 & over who choose our Interest or Key Accounts:

• Free Checks
• Free ATM card
• Free ShazamChek Card

Most checkbooks can only do one thing- checking. Our Northwoods Bank of Minnesota’s SHAZAMChek Card does this and much more. It gives you faster, more economical and convenient way to buy the products and services you need. That’s because it allows you to withdraw funds from your checking account without having to write out a check. You can use your check card wherever VISA is accepted. Another benefit of the SHAZAMChek Card is that it performs all of the functions of an ATM card, allowing you the ability to withdraw, deposit, and transfer funds with great convenience.

With the SHAZAMChek Card, you can forget about showing two forms of identification when you make a purchase. Every purchase is as simple as using a credit card.

SAVES YOU MONEY
When you use the SHAZAMChek Card, you don’t have to purchase as many checks, saving you check printing fees.

SECURITY
When you receive your Northwoods Bank SHAZAMChek Card, you’ll also be assigned a personal identification number (PIN). Its added security against someone making withdrawals without your consent. Included in your monthly Checking Account statement, you will receive a breakdown of the date, location, and amount of every transaction you’ve made.

What does Privileged Status mean?

Privileged Status is a program that provides Northwoods Bank customers with a broad base of surcharge free ATM locations. Click Here to locate a Privileged Status ATM near you.

• Payment of overdrafts up to $700 on KEY Checking Accounts & $400 on POSITIVELY FREE Checking Account
• Fewer charges from retailers for returned checks!
• Additional convenience and flexibility in managing your funds!
• Less aggravation and embarrassment!

Rather than automatically returning your checks unpaid when you make a mistake or write a check for more money than you have in your checking account, as another convenient Northwoods Bank customer courtesy, we will consider payment of your reasonable overdrafts.

*Overdrafts Normally Covered Up To $700
($400 on Positively Checking accounts)

*Overdraft Privilege is a purely discretionary service and we are not obligated to pay any overdraft. Not all accounts are eligible and restrictions apply. See our Overdraft Privilege Service Description. Our normal non-sufficient funds or overdraft charge will apply to each item overdrawing your account.

Overdrafts - $30 per item
Overdrawn over 6 consecutive days ($5 per day)

Simplify Your Life With Less Paper.

E-Statements include all of the information you would find on your paper statement, but without the paper.

With E-Statements You Can:

• Receive email notification when your statement is ready.
• Keep your statements organized and easily accessible.
• View, print or save your statements from the convenience of your personal computer.
• Reduce your risk of fraud and identity theft.

Sign Up For E-Statements Today*:

1. Go to www.northwoodsbank.com.
2. Click on the E-Statements button.
3. View the online disclosure, then click on the "next arrow."
4. Fill out the brief application, then click Submit. That's it.

*If you choose to receive your statements electronically, we will no longer mail a printed statement to your address of record.