What is Internet Banking?
Northwest Commercial Bank Online Banking is a convenient way to access your accounts without going to the Bank. Northwest Commercial Bank is available to you from your home or office - 24 hours a day, 7 days a week just by using your personal computer.

What Can I Do With Internet Banking?
You can access your checking, savings, certificates of deposits, or loans to verify balances, *transfer money between accounts, and export information to your personal financial software.

*Some restrictions apply to transfers (ask our Customer Service Representatives for clarification).

How Do The Balances That Are Shown Online Compare To The Bank Computer Balances?
We use “Real Time Access” for our balance information. This means that the balance you see at home is exactly what the balance shows at the bank.

How Much Does Internet Banking Cost?
The service is free for our customers.

Is Internet Banking Private and Secure?
Yes it is. We have incorporated state-of-the-art security into Online Banking to ensure both privacy and security. We require passwords, data encryption, firewalls and internal security procedures.

What Is Data Encryption?
128-bit electronic data encryption provides privacy for the data flowing between your computer and the bank’s online server.

What is a Firewall?
Our computer systems are protected by a system of filtering routers and firewalls, which create a protective shield between the outside Internet and the internal network of Northwest Commercial Bank. We use several layers of technology to ensure that your Internet transactions are secure and tamper-proof.

What Can I Do To Protect Myself?
Your Access ID and Password provide one of the most important security features for Internet Banking. Because you can select and change your password at anytime, you can prevent unauthorized online access to your accounts.

Other security tips:

·           Keep your web browser software up-to-date to take advantage of the latest security enhancements.

·           Take precautions to keep your computers free from viruses that might be used to capture password keystrokes or send information from your hard drive.

·           Please be careful where you choose to do your Internet Banking and what you do with your transaction data.  DO NOT use coffee shop Internet hook-ups or rented computers. Computers can be configured to capture private information from unsuspecting Internet users.

·           If you get an unexpected web page asking you for your credit card, password or account information, DO  NOT disclose this information.

·           DO NOT share diskettes that contain confidential information even if you think you have erased the information.

·           It is a good idea to shred printouts of your account information before discarding them.

What Equipment Do I Need?

For PC Banking you will need a personal computer running the following:

Windows 98 or higher and Microsoft 6.0 Service Pack 1 or higher

Netscape Navigator 6.1 or higher

MAC Operating System 10 and Internet Explorer (Firefox, Opera, Safari, IE for Mac 5.2 and higher should also work)

You will need access to the Internet and a browser with a version of 5.5 or higher and your browser must support 128-bit encryption (for best results use Internet Explorer). 

Can I Access Internet Banking Through My Current Internet Service?

 Yes. The browsers that we require work with most Internet service providers.

Does Internet Banking Work With Quicken and Microsoft Money?

Yes it does. Data can be downloaded to spreadsheets such as Microsoft Excel or other personal financial management software such as Quicken or Microsoft Money in a “qif” file format.

Who Do I Contact If I Have Problems Or Questions?

 You can contact us by calling one of our Customer Service Representative at 253-584-9100

How Do I Get Started?

If you have an account  with Northwest Commercial Bank, you will need to go to our web site at www.nwcommbank.com.  There are two options: You can click on the “ONLINE BANKING Learn More” button, read the Internet Banking and Bill Pay Service Agreement and agree to the disclosure, click on the “I Understand and Agree” button, and continue with the “First Time Log In”.  Or from the “Online Banking” dropdown, you can select “Bank Online”. You will then click on the “First Time Log In” button, which will take you to the Internet Banking and Bill Pay Service Agreement.  After reading and agreeing to the disclosure, click on the “I Understand and Agree” button.  You will then follow the prompts and complete the information. Once you have completed the enrollment, you will be taken into the Online  Banking site.  You are now off and running.

Or, you can stop into any Northwest Commercial Bank location and the bank's staff can help you get started.

How Long Will It Take To Get Setup For Internet Banking?

Your setup will be completed as soon as you finish the online enrollment process.

When I log on for the first time I get the error message “Invalid Security Code”. What am I doing wrong?

When entering the Access ID and Password, they must match the Account Number and Last four digits of SSN, or last 4 digits of Tax ID number (if a business account), that are assigned to the account.   When entering the Access ID and Password , you will need to enter them exactly as they were set up. The system is case sensitive so be sure to enter capital letters. In addition, the letter O can sometimes fall between numbers. This can sometimes be confused for the number 0. Be sure to try either option.

When I log on after the first time I get the error message “Invalid Security Code”. What am I doing wrong?

When entering the Access ID and Password , you will need to enter them exactly as they were set up. The system is case sensitive so be sure to enter capital letters. In addition, the letter O can sometimes fall between numbers. This can sometimes be confused for the number 0. Be sure to try either option.

If I have multiple checking and savings accounts, do I have to enroll for each account?