Updates To Northwoods Bank Services Due to COVID-19


Card Center FAQ's

The initial daily purchase limit is $300, and the initial ATM daily cash limit is $200. You can request a change in these amounts.  There may be a fee for a temporary debit card increase.

The expiration date on your current card is listed as a month and a year, which means that your card will be valid through the last day of that month.  A new card will be mailed to you automatically before the month’s end.

It is recommended that a cardholder retain receipts and record transactions in his or her check book register

Please contact us ahead of time with information about where you are traveling, dates you will be gone and how you can be reached in order to ensure that your account does not become restricted.

You can activate your debit card by calling the number listed on the card and going through the prompts to verify identity and to create your PIN.  You can also contact a customer service representative.

Yes.  We offer Young Adult and College Student, Consumer, Secured Visa, and Business Credit Cards.  You will receive this Credit Card from another company, however, we have little influence beyond the application process.

The chief advantage of using a debit card is speed.  It is much faster than using checks, more secure than cash, and you can use a debit card to withdraw cash at an ATM, giving you access to your account 24/7.  In addition, traveling abroad with a debit card eliminates the need for a money exchange.

For your security, we do not have access to your current PIN number.  Contact a customer service representative or stop by one of our branch locations for assistance, and we can give you a toll-free number to call to change your PIN.

When using your debit card for purchases, the transaction amount will be deducted from your account automatically.  You can also use your debit card at any ATM location by using your PIN code.

When using a debit card at an ATM, you can choose to access any checking or savings accounts connected to your card. When using the debit card for a purchase, only funds from your primary checking account will be accessed.

Yes.  Each time you use your debit card, the system views your balance to verify that you have the funds available for the transaction.  If your balance is lower than the transaction amount, your card may be rejected.

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.

If you lose or misplace your debit card, be sure to contact us right away.  One of our customer service representatives can help you deactivate your card and order a replacement.  There is a $20 replacement fee.

A CVV (Card Validation Value) code is the three digit number on the back of your debit card, as shown below.


Online merchants may ask for your CVV code, in order to prove that you have the physical debit card and prevent the likelihood of fraud.