Banking built around your business.
So you can build what matters.
It’s your vision. We’re here to help you see it through.
Treasury management. Financing. Employee benefits. Payments. Investments. We surround you with the people, products and services to make business better.
Our team will sit down with you, review your goals and build solutions customized around your specific business needs. It’s banking, tailor-made for you, so you can run your business how you see fit.
Discover below how Northwest 360 can bring you solutions from every direction, so your business can keep moving forward.
Flexible Money Management
Spend time running your business - not running to the bank.
At Northwest, we make it easy to manage your money anytime, anywhere. Make payments. Pay employees. View reports. Deposit checks. All with a click of a few buttons.
You can also take payments any way you want. So when it's time to check out, your customers have options - whether it's in your store, over the phone, online or on the go.
Plus with our flexible business checking options, you can choose an account that makes sense for how often you use it. We even have accounts specially designed for professionals, attorneys, accountants and physicians. So, ask us about business checking, merchant services, online and mobile banking and more. And enjoy flexibility that really pays off-with fewer headaches and more time for what you do best.
- Variety of accounts to suit any business
- Specialty accounts for nonprofits, local governments, professional offices and more
Online & Mobile Account Access
- Online and mobile banking
- Online and mobile bill pay
- Mobile deposits
- Account alerts
- Planning and budgeting tools
- Fraud protection software
Advanced Online Tools
- Direct deposit and vendor payments
- Wire services
- Dual authorization
- Customizable employee access
Payment Processing Solutions
- In store, online and on-the-go options powered by Clover
- Accept all major credit, debit, and gift cards, Apple, Samsung and Android Pay
- Or, let us collect and process your payments through Lockbox Services
- Save time and money by scanning and depositing checks from the comfort of your office, 24/7
Financing Fit to Your Goals
Starting or growing your business takes capital. Figuring out the best way to get it shouldn't be a full-time job.
At Northwest, we work to make financing easy. We get to know you and your business, which means that whether you're expanding or upgrading, buying new equipment, looking to purchase property or building a facility, we'll tailor a loan or line of credit to suit your needs.
- Equipment loans for upgrades, expansions, or debt consolidation
- Commercial real estate loans for purchasing property
- Construction loans for building or expanding facilities
Lines of Credit
- Flexible lines and letters of credit that are there when you need them
- Plus, special programs for small businesses, including SBA loans. We're a Small Business Administration Preferred Lender, which allows us to offer lower down payments and longer repayment terms than conventional loans.
Need More Help?
We live and work where we do business, and understand the challenges you may face as a company. That's why we partner with local, state and federal organizations that provide above-and-beyond services. If you need technical assistance, help developing your workforce, exporting products or with government procurement, let us know. We'll connect you with your local experts.
A Clearer View of Your Spending
Between office supplies, business trips, client entertaining and miscellaneous purchases, it's easy to lose track of where your money is going and how much is spent.
And if you have multiple employees with purchasing power, it can become even more confusing. At Northwest, we make it easy to manage and track with credit and debit cards* that offer lots of features and plenty of flexibility.
With our Platinum Visa Business Credit Card**, you can get as many employee credit cards as you need, with the option to receive separate statements for each cardholder or one consolidated bill. You can also set credit limits, monitor cardholder expenses, check balances and more online.
Or if you're a Northwest business checking customer, the Northwest Visa Business Debit Card allows you to monitor transactions using debit card alerts, view activity in online banking, make deposits using Northwest ATMs and pay with your mobile device using Apple, Android or Samsung Pay, all while earning rewards.
Northwest Business Card Features
Accepted by millions of Visa merchants worldwide
No annual fee, transaction limits
Apple, Samsung and Android Pay
Customizable text and email alerts
Line of credit
Low interest rate
Emergency card replacement
Linked to Northwest checking account
55,000+ free ATMs worldwide
Deposit checks and cash 24/7 at deposit/accepting ATMs
Protecting your business.
Because your bank should be your biggest defender.
At Northwest, we never stop working to protect your company’s information, customers and accounts—whether you’re banking with us online or in person, using your credit or debit cards or connecting with us by phone or email.
Here are some of the ways Northwest can help protect your business —
Check Positive Pay
Our strongest paper-based fraud mitigation solution available. Northwest verifies checks presented for payment against a check issue file you provide. We will systematically compare the dollar amount and check number to the check- issue file, assuring the information matches. If it does not match, we will notify you of the exception for review so you can decide to Pay or Return.
ACH Positive Pay
You can manage ACH debits and credits posting to your business account via filters and blocks set up that meet your ACH transaction criteria. If transactions do not match, they will be suspended, and you will be able to review and notify us if the suspended item should pay.
Debit and Credit Card Controls and Fraud Protection
From cards armed with a security chip, to customized account alerts and controls to monitor or prevent certain transactions, your security it our priority. Protect against fraud with CardValet®—transaction alerts, lock cards, block usage, control transactions by category and set purchase limits. Plus, text alerts to confirm or deny any transactions that look a little suspicious.
Visa Zero Liability Guarantee
All Northwest cards are backed with Visa’s Zero Liability guarantee—which means that you won’t be liable if your card is used for fraudulent purposes.
ACH & Wire Soft Token Authentication
Northwest ACH and/or wire customers use soft tokens to complete transfers. The token is powered by an app on your mobile device. Each time you make an ACH or wire transfer, you’ll enter a security code from your app onto Online Banking.
Defending You Online Against Phishing, Pharming and Malware
Northwest has partnered with Easy Solutions to provide you with Detect Safe Browsing, an industry-leading anti-fraud application. Detect Safe Browsing provides secure navigation to Northwest Business Online Banking, shielding you from phishing, pharming and malware attacks designed to steal your account information.
Automatically notify you when there are unusual transactions or changes to your account balance. Alerting you to potential fraud or helping you avoid overdraft charges or declined purchases.
Keep Them Happy and Healthy
At Northwest, we can help give your team peace of mind with benefits packages and ongoing administrative support.
It starts with great retirement packages. We can help you design and deliver everything from 401(k)s and profit sharing plans to pensions and IRAs.
Every plan and piece of employee communication is custom-designed to fit your objectives and company culture, including presentations, videos, benefit booklets, wallet cards and even web tools. Which means from the quality of benefits and coverage to the personalized experience, your employees will feel happy, healthy and secure.
- Retirement plans, including 401(k)s, pensions, profit sharing and IRAs
- Pre-tax medical plans (FSAs, HRAs, HSAs)
We'll be by your side as an extension of your business by supporting the person or department managing your employee benefits with education and communication.
Trust Department for Retirement Plans:(814) 452-1000
Plan Ahead. Get Ahead.
Business investments, retirement plans and succession plans play an enormous role in the health of your business.
Considering it can all be overwhelming. And that's where Northwest's financial professionals and trust officers can help. Take business investments. We'll consider your short-and long-term objectives, then develop a portfolio around your goals and risk tolerance, while taking advantage of potential opportunities.
Down the road, you'll want to retire in comfort. Our team of experts has all the tools to help address the future you envision. Together, we'll map out your investment strategy, using programs that fit your objectives--from managing your investments to to gifting strategies and wealth transfer planning.
Finally, if you own your business, it's important to ensure it will live on long after you step down. Working hand-in-hand with you and your accounting and legal teams, we can be sure your buy-sell agreement is aligned with your wishes. When it's time to pass your business along, we'll be there to be sure the transition is smooth and your business stays on track.
- Investment strategies
- Portfolio management and monitoring
- Short-term liquidity management
Northwest Investment Services: 1-877-300-3454
- Legacy management
- Succession planning
- Escrow services
- Endowments and foundations
Trust Department: (814) 452-1000