Online Banking
Personal Online Banking 
Online Banking
Life can be hectic, so we make banking easy. Online banking gives you the flexibility to manage
your accounts 24 hours a day, seven days a week using a personal computer.
- Free service
- To access, log on to our website at www.northlandfinancialonline.com:
- Check the balance in your checking, savings, CD, loan or line-of-credit account
- Check account history such as deposits, withdrawals, cleared checks, transfers,
ATM activity and interest earnings
- Transfer money between accounts
- Download your account information into supported software
- Free check images online
- Free online statements on eligible accounts
- Online transactions appear in detail on your monthly paper or online statement
- Newest security and encryption technology
Online Banking / Bill Payment Demo
Online Banking Agreement
iPay 1

With our automated bill pay and presentment service you can pay bills conveniently, safely and
efficiently without the hassle of writing checks and addressing envelopes.
- Free service2
- Easy to use:
- Log on to "Personal Online Banking"
- Click on "Bill Payment" button to:
- View and schedule payments
- Add payees and manage payment
categories
- Manage funding accounts
- Set up e-bills
- Pay anyone, anytime:
- Pay any company or individual in the United States
- Bill payment is automatically deducted from your checking account
- Schedule one-time or recurring payments
- Bill payments appear in detail on your monthly paper or online statement
- Download your bill payment transactions into supported software
- Order a year-end CD Rom with iPay history
Online Banking / Bill Payment Demo
Online Bill Payment Authorization
1Subject to qualification
2$3.95 monthly service fee if a minimum of one bill payment is not made each month.
Online Images
- Free service
- View front and back of cleared check
- Print or download check images on your PC, diskette, CD or DVD for convenient,
organized recordkeeping
- Easy to use:
- Log on to "Personal Online Banking"
- Click the check number hyperlink
- View the image of your check
Online Statements
- Free service
- Contains the same information as your paper statement
- Free online statements for eligible accounts
- Receive email notification when your statement is ready to be viewed
- Retrieve historical statements online for the past 12 months
- Reconcile your statement faster since you don't have to wait for a paper statement
to be mailed
- Print, save or download statement information and check images on your PC,
diskette, CD or DVD for convenient, organized recordkeeping
- Easy to enroll:
- Log on to "Personal Online Banking"
- Click on "Online Statements" button within account access
- Accept "Online Statement Disclosure" and view your statement online
Online Statements Terms of Use
Business Online Banking 
Business is fast-paced. You need access to your accounts where and when it's convenient for you -
in the office, on the road or at home. Online banking is available 24 hours a day, seven days a week.
Basic Business Online Banking
- Free service
- To access, log on to our website at: www.northlandfinancialonline.com
- Check the balance in your checking, savings, CD, loan or line-of-credit
account
- Check account history such as deposits, withdrawals, cleared checks,
transfers, ATM activity and interest earnings
- Transfer funds between your accounts
- Download your account information into supported software
- Request a stop payment or account research
- Free check images online
- Newest security and encryption technology
Business Online Banking2 
- $30 monthly service fee
- Includes Basic Business Online Banking services plus:
- Automated Clearing House (ACH) Services:
- Payroll - Deposit the payroll of your employees directly into their
accounts regardless of where the accounts are held
- Electronic Federal Tax Payment Services (EFTPS) - Make tax
payments directly to the federal government
- ACH Payments - Pay your vendors automatically or collect recurring
bills automatically from your customer's accounts regardless of
where the accounts are held
- Wire Transfers - Send money electronically to your designated
payee
2 Subject to qualification. Business online banking monthly service fee is included in total monthly service fees on our
Business Analysis Checking account and may be offset based on earnings credit.
Business Online Banking Demo
iPay 1

With our automated bill pay and presentment service you can pay bills conveniently, safely
and efficiently without the hassle of writing checks and addressing envelopes.
- Minimal monthly service fee2
- Easy to use:
- Log on to "Business Online Banking"
- Click 'Funds Transfer' then 'Bill Payment' option to:
- View and schedule payments
- Add payees and manage payment categories
- Manage funding accounts
- Set up e-bills
- Pay anyone, anytime:
- Pay any company or individual in the United States
- Bill payment is automatically deducted from your checking account
- Schedule one-time or recurring payments
- Bill payments appear in detail on your monthly paper statement
- Download your bill pay transactions into supported software
- Order a year-end CD Rom with iPay history
Online Bill Payment Authorization
1Subject to qualification.
2$5.95 monthly service fee for up to 15 bill payments, $.55 each bill payment thereafter.
Online Images
- Free service
- View front and back of cleared check
- Print or download check images on your PC, diskette, CD or DVD for convenient, organized
recordkeeping
- Easy to use:
- Log on to "Business Online Banking"
- Click the check number hyperlink
- View the image of your check
iDeposit
Time is money. With Northland Financial's remote deposit for business service, iDeposit1, you can create and
submit deposits electronically to the bank day or night right from your desk. iDeposit will allow you to free up
more time in your day to spend on running your business.
-
Convenient and Efficient

- Create and submit deposits anytime, 24 hours a day2, seven days a week, right from your
business office
- Increase efficiency of your deposit processes
- Single sign-on process through Northland Financial's Business Online Banking
- Receive faster availability of funds
- Automatic posting to Accounts Receivable system
- No longer need to create deposit tickets
- Calculate your savings using our iDeposit calculator
- User-friendly Technology
- Checks prepared for deposit are processed through a desktop scanner connected to your
computer
- No need to purchase, install or maintain software
- View or research check images and deposit transactions online
- Security Features
- iDeposit converts checks into digital images that you can verify on-screen
- Data is encrypted for a secure transmission and is available for research needs
- Personal, local service and on-site training
- 30-day trial of iDeposit services, including scanner
1Subject to qualification
2iDeposits made by 4 p.m. CT are credited the same day.
