Updates To Northwoods Bank Services Due to COVID-19


General FAQ's

All transactions must be made by 3:00 pm at the main office; 2:00 p.m. at the Express Branch; 2:30 p.m. at Pine City, and 3:00 p.m. online.

Transfers between accounts can be done through Online Banking, our mobile app, or by calling a customer service representative (a service fee may be charged based on account type).

You can obtain this information through our free Online Banking service, our mobile app, or by contacting a customer service representative during our regular banking hours.

Generally, direct deposits are set up for payroll.  If your place of employment participates in direct-depositing, your employer can assist you.   You can enroll online to set up direct deposit of US Treasury checks, like social security, at https://www.ssa.gov/deposit/.

The initial maximum amount you can withdraw from an ATM within a 24-hour period is $200.

There are various ATM locations throughout the area.  Keep in mind that using your Debit/ATM card at any of our Northwoods Bank branch locations will be surcharge-free.
In addition, Allpoint ATM Network is a program that provides Northwoods Bank customers with a broad base of surcharge-free ATM locations.

While you may accomplish this through our stop payment form, we recommend visiting or contacting one of our bank locations to ensure timely completion of the proper paperwork.  
You will be asked to provide as much information about the transaction as possible, including:

  • the exact amount,
  • the date the check was written,
  • the date of withdrawal, and
  • the check number (if applicable).

Yes.   Any abnormal activity on your account, including, but not limited to, foreign transactions, may be mistaken as fraudulent activity.  Please notify us of your travels prior to your departure to ensure that your account does not become restricted. It may be wise to consider changing the daily restrictions on your Debit/ATM card, as well. Contact a Northwoods Bank customer service representative for assistance.

Yes, Northwoods Bank offers electronic statements (E-Statements), which are available free of charge.  Online Banking enrollment and a valid email address are required.

Easy! Click here for your credit report and score.  You are also granted one free credit report per year at annualcreditreport.com from each of the nationwide consumer credit reporting companies; however this free report will not give you your credit score.

Yes.  Bill Pay is available with Online Banking.  There may be a fee for this service based on account type.

Yes!  Mobile Banking is available with Online Banking.  You can view more info and download here.

Notify your loan officer or personal banker in writing within 30 days prior to your next scheduled payment