Northwest Community Credit Union (NWCCU) offers competitive loan rates, dividend-bearing savings, and member-focused banking solutions throughout Morton Grove and the Chicagoland area. Explore mortgages, auto loans, credit cards, CDs, IRAs, and convenient online banking—all designed to support your long-term financial well-being. Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today You work hard for your money— make it work harder for you. As a member-owned, not-for-profit credit union, we offer lower rates, stronger returns, personalized service, and 24/7 access—so your money goes further, every day. Deposits are insured up to $500,000. A better direction in banking. Become A Member Today AutoMarketplace A new way to navigate the car-buying process. Check rates in real time and use built-in tools to understand what fits your budget. Get pre-qualified with confidence, then search and find your next vehicle. A better direction in banking. Begin Your Search HomeMarketplace A new way to navigate the home buying process. Check rates in real time, and use built-in calculators to see what you can comfortably afford. Get pre-qualified with confidence, then search and find your home. A better direction in banking. Begin Your Search Prepare Your Student With Checking+ Credit Open a NWCCU free interest-bearing checking account at 2.5% APY** bundled with a low-interest Student Visa Card with 12% APR* . A better direction in banking. Apply Now Insured up to $500,000. Your deposits are protected up to $500,000 through a combination of American Share Insurance and Excess Share Insurance Corporation coverage. That's up to 2X the protection offered by many financial institutions, helping safeguard the money you've worked hard to earn. Become A Member What are you planning today? Purchase A Car Start Saving Borrow Banking Rates Auto Rates As Low As 4.50% APR* Personal Loans As Low As 8.74% APR* Credit Cards As Low As 8.95% APR* Learn how to save .50% off your mortgage rate View More Rates Apply For A Home Loan Member Marketplaces Search with confidence. Get exclusive member benefits and trusted tools in one place. Auto Loan Application Home Loan Application Member Marketplaces

Mobile Apps Disclosure Northwest Community Credit Union mobile banking app (the “App” )– is powered by Fiserv – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go. The App allows you to: get real-time balances for your accounts manage your money view your transactions and statements make transfers pay your bills and manage billers deposit a check receive alerts manage cards This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website and mobile application (the “Services”). THE TYPES OF INFORMATION WE COLLECT IN THE APP Through your use of the Services, we may collect personal information from you in the following ways: (a) Personal Information You Provide to Us. We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account. We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history. If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, to send you a reply. We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services. (b) Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, to provide some of our Services. (c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as: Device data, such as your computer or mobile device operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., Wi-Fi, LTE, 3G), and general location information such as city, state or geographic area. Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns. Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications. Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked. Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device. HOW WE USE YOUR INFORMATION COLLECTED IN THE APP (a) General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways: Facilitate the creation of, and secure and maintain your account. Identify you as a legitimate user in our system. Provide improved administration of the services. Provide the Services you request. Improve the quality of experience when you interact with the services. Send you administrative e-mail notifications, such as security or support and maintenance advisories. Send surveys, offers, and other promotional materials related to the services. (b) Compliance and protection. We may use your personal information to: Comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities. Protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims). Audit our internal processes for compliance with legal and contractual requirements and internal policies. Enforce the terms and conditions that govern the Service. Prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft. (c) Creation of Non-Identifiable Data. The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion. DISCLOSURE OF YOUR PERSONAL INFORMATION We disclose your personal information collected through your use of the Services as described below. (a) In Accordance with Our Other Privacy Notices. Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information. (b) Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App. (c) Authorities and Others. Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above. LINKS TO OTHER SITES The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit. YOUR CHOICES REGARDING YOUR INFORMATION You have several choices regarding use of information on the Services. (a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not act in response to these signals. If a standard is established, we may revise its policy on responding to these signals. (b) Access, Update, or Correct Your Information. You can access, update or correct your information by changing preferences in your account. For additional requests, please contact us. (c) Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under "Contact Us" below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services. (d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you could subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App. SAFEGUARDS AND RETENTION We implement reasonable administrative, technical and physical measures to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information. A NOTE ABOUT CHILDREN The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible. PRIVACY POLICY UPDATES This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes. CONTACT US If you have any questions or complaints about this Privacy Policy or The App’s data collection or processing practices, or if you want to report any security violations to The App, please contact The App by email at: info@nwccu.com or by mail at: 8930 Waukegan Rd. Ste. 100, Morton Grove, IL 60053. Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today

Explore competitive loan rates from NWCCU, including auto, mortgage, credit card, and personal loans. Flexible terms, lower fees, and member-focused solutions designed to help you borrow with confidence. Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. SBA Community Explore SBA-backed solutions with resources and support designed to help your business grow with confidence. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore SBA-backed solutions with resources and support designed to help your business grow. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close

Online Banking Disclosure Introduction This page explains the terms and conditions for using our Home Banking Service and provides certain disclosures and information to you concerning the service. Each of your accounts at Northwest Community Credit Union is also governed by the applicable account disclosure/agreement and Truth In Savings disclosure you received when you opened your account. How To Access Your Accounts To access your accounts through our Home Banking service, you must have your account number and an Home Banking password. This information is requested when you enter our Home Banking pages. The password that is used to gain access to your information should be kept confidential, just as you would keep other PIN numbers and security codes confidential. For your protection we recommend that you change your Home Banking access password regularly. It is recommended that you memorize this password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money between your accounts without your permission, notify Northwest Community Credit Union at once at (847) 647-1030. You cannot use Email to initiate transactions, change information or inquire on your account (s). We will not respond to these types of requests via E-mail since we cannot be certain we are corresponding with you. Please use the appropriate functions within our Home Banking service, call (847) 647-1030 or visit the credit union for these functions. To get an initial password for the Home Banking service, visit the credit union office or call us at (847) 647-1030. Fees There is currently no fee for accessing your account(s) through our Home Banking service. We reserve the right impose / change the fee amount, if necessary, after providing 30 days notice to all users at the Home Banking login page and/or e-mail address. Your Internet service provider (ISP) probably charges you a fee to access the Internet via its server. We have no control over ISP related fees. Available Services and Limitations: The following functions may be performed by members through the service: Transfers: You may transfer funds between your Share or Loan Accounts as the account agreements may allow. Transfers done through the service DO NOT immediately charge or credit your account. TRANSFERS WILL BE EFFECTIVE BY THE NEXT BUSINESS DAY AFTER THE DATE OF SUCH TRANSACTION but may occur sooner. Check Withdrawals: You may request a check be mailed to you from your account. Account Balances: You may view your share and loan account balances. Because the main credit union computer system is not connected to the Internet, it is possible that some transactions that affect these balances, and have been processed by the credit union, are not yet included in the balance at the time you view it. In addition, there may be drafts written against your balance, or other electronic items such as debit card transactions, that have not yet been presented to the credit union for payment. The information regarding your account balances on this website is provided to you as a courtesy pursuant to your request. For members that have filed a petition seeking bankruptcy protection under any chapter of the U.S. Bankruptcy Code, no demand for payment is hereby made, and the information provided is not to be construed as an attempt to collect or recover any claim or debt in violation of the provisions of 11 U.S.C. Section 362. Transaction history: You may view the transaction history for any loan or share account. Because the main credit union computer system is not connected to the Internet, it is possible that some transactions are not yet included in the history at the time you view it even though they may have been processed by the credit union. The main credit union computer system is always the official record of account history. The Home Banking service may be updated several times per day for your convenience in viewing account activity. Download Transactions: You may download transactions in various formats (as available on our site) for import into personal financial software programs such as Quicken® and MS Money®. View Check Images: You may view and print images of paid checks that have cleared your account. Check orders: You may reorder checks and/or view and order new check styles available through Liberty Check Printers and the credit union. Check search: You may search for drafts that have cleared your account. You may also list clearings by date cleared or by check number. The oldest check available will vary but dates will go back, at a minimum, to your last regular statement date. Password Changes: If you are an Home Banking user, you may change your password at any time from within the Home Banking section. For your protection we recommend that you change your Home Banking password regularly. Additional Services: From time to time, we will announce additional services which are available through our Home Banking. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced. We reserve the right to limit access or cancel on-line access at any time. Business Day Our business days are Monday through Friday. Holidays are not included. Operating Systems and Security Our Home Banking site is designed to operate using world wide web technologies and protocols which are adaptable to a wide range of systems. The Home Banking section uses SSL encryption and requires a browser with a current (unexpired) Thawte Root CA Security Certificate. Some older browsers may not be able to connect to the site without first updating the browser security certificate. Our server uses 40 to 128 bit encryption, depending on the user's browser. We use cookies to help us administer the Home Banking section. Some browsers allow you to reject cookies from servers. If you don't allow us to set a cookie upon entering the site, you will not be able to log in. The cookie we set contains information we need for security, and allows us to 'time out' your authority to view information. We place the cookie with instructions that it can only be sent to a server in our Home Banking domain (homecu.net). A cookie cannot be used to extract data from your PC. We do not store your Access Code, User Id or Password in your cookie. The cookie we set will 'time out' your access authority to our Home Banking section. Until it times out, you can come back to our Home Banking without logging in. After the time out period, you will need to log in again. Remember, most browsers will let you use a BACK button to view previously visited documents, even if your viewing authority has expired. For this reason, the only way to keep others from viewing your account balance is to exit the browser when you are finished with your session. The best way is to completely close out of the Internet entirely, so the next person to get on will have to start with a new connection and a new browser. This is especially important if you are using a public or shared computer. Privacy Our Home Banking database is a private system operated for the exclusive use of our members. We use SSL encryption and digital server authentication to insure the privacy of your information when sending data between our Home Banking server and your PC. All Home Banking logins are logged by the server. For authenticated members who use Home Banking , we collect and store certain information such as how often you visit the Home Banking section, dates and times of visits and which pages are being used. We use this information for internal review and product evaluation only. We never sell, transfer or trade this information unless we are compelled to do so by law. We may gather and store additional information available to us on failed login attempts and other activity we consider a threat to our system. In these cases, we will share this information with other companies, agencies and law enforcement officials as we determine necessary or as we are required by law. Protecting Children's Online Privacy We do not knowingly collect, nor is our Home Banking site designed or directed, to use personal information from children under the age of 13 without containing verifiable consent from their parents. Should a child whom we know to be under the age of 13 send personal information to us, we will only use that information to respond directly to that child, seek parental consent or provide parental notice. Liability for Unauthorized Transfers Tell us AT ONCE if you believe your password has been lost or stolen and immediately change your password from within the Home Banking section. Calling is the best way to notify us immediately. You could lose all the money in your account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your password without your permission. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason kept you from telling us, we will extend the time periods. If you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (847) 647-1030 or write: Northwest Community Credit Union 8930 Waukegan Rd, Morton Grove, IL 60053 Statements All transactions generated by you through our Home Banking service and any Home Banking fees will appear on your monthly or quarterly statement. Our Liability If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement/disclosure with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: If, through no fault of ours, you do not have enough money in your account to make the transfer If the Home Banking equipment or software was not working properly and you knew about the breakdown when you started the transfer; If circumstances beyond our control (such as fire, flood or power failure) prevent the transfer despite reasonable precautions that we have taken We shall not be responsible for any other loss, damage or injury whether caused by the equipment, software and/or the Home Banking service, nor shall we be responsible for any direct, indirect, special or consequential damages arising in any way out of the installation, use or maintenance of your equipment, software and/or service, except where the law requires a different standard. We do not make any warranties concerning the equipment, the software or any part thereof, including, without limitations, any warranties of fitness for a particular purpose or warranties of merchantability. Termination of Electronic Fund Transfer Services You agree that we may terminate this Agreement and your electronic fund transfer services if you, or any authorized user of your Home Banking services or password, breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your accounts or password. You or any other party to your account can terminate this Agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination. Home Banking services may be terminated to those members that cause a loss to the Credit Union. Notices The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union will mail notice to you at least thirty (30) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations. Errors and Questions In case of errors or questions about your electronic transfers, telephone us at (847) 647-1030 or write us at 8930 Waukegan Rd, Morton Grove, IL 60053 as soon as you can. We must hear from you no later than sixty (60) days after you learn of the error. You will need to tell us: Your name and account number Why you believe there is an error and the dollar amount involved Approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days and correct any error promptly. If we need more time, we may take up to forty-five (45) days to investigate the complaint, but you will have the use of the funds in question after the ten (10) business days. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account during the investigation. We will notify you with the results within three (3) business days of completing our investigation. If we decide there was no error, we will send you a written explanation. You may request copies of the documents that we used in our investigation. If you need more information about our error resolution procedures, call us at the telephone number shown above. Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today

Frequently Asked Questions Am I eligible for NWCCU Mobile Deposit? NWCCU Mobile Deposit is available to all NWCCU members that have an account in good standing for at least a month. Why doesn’t the app work on my phone? The app is currently compatible with iPhone® 3 or higher, iPads, and Android. When am I able to submit my deposits? You can make a deposit using the Mobile Deposit app anytime, 24 hours a day, 7 days a week. How many checks can I deposit at one time? You will only be able to deposit a maximum of 1 check in a single deposit. How should I endorse checks for NWCCU Mobile Deposit? The back of each check must include: a) “For Mobile Deposit only NWCCU” followed by the account number to which the check is being deposited. b) The payee's signature How many checks can I deposit using the NWCCU Mobile Deposit app? You can deposit as many checks as you’d like, one check at a time, up to a total limit of $5,000 per week. What do I do with my paper check after I made the deposit? We recommend that you keep the check for 45 days after making your deposit to ensure that your check has been properly processed in our system. I accidentally deposited the same check at the CU. What happens now? In the event of accidentally depositing the same check that was deposited using the NWCCU Mobile app, one of the checks will be rejected. I keep getting an error message when trying to make a deposit with the app. I need help! We want to make sure that we are providing the best service both in-person and with our electronic services. Please contact us at 847-647-1030 to let us know the issue and one of our representatives will be happy to assist you. How quickly will the deposit be credited to my account? Checks submitted for deposit will be credited to your account on the next business day. All deposits made on Tuesday after 2:00 p.m. Central Time and Wednesday will be processed on Thursday. How quickly will the funds be available for me to use? Please refer to our Funds Availability Policy to find out how soon your deposit will be available for your use. How do I know if a deposit was accepted or rejected? You will receive an email informing you if your deposit was accepted or rejected. Are there any types of checks that cannot be submitted when using NWCCU Mobile Deposit? The following items cannot be submitted for deposit using NWCCU Mobile Deposit: a. Savings bonds b. Foreign checks. c. Any item drawn on your NWCCU account d. Any item that is “stale dated” or “postdated” (such as a six month and older date or future date) e. Any item that is incomplete (such as missing the date, missing the payee, etc.) f. Any item that contains evidence of alteration to the information on the check g. Any item that is stamped with a “non-negotiable” mark or missing MICR line h. Any third party check (any item that is made payable to another party and then endorsed to you by such party). Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today

Use NWCCU’s savings calculator to estimate interest earnings and see how your deposits can grow over time. Compare scenarios, plan smarter, and take control of your financial goals with a simple, practical tool. Have A Question Search ATMs & Locations Make A Payment A Better Direction For Members Real benefits designed to make your financial life easier. Calculators Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today