Banking

Q Are Northland Financial deposit accounts FDIC insured?
A Yes! Each individual customer at Northland Financial is insured by the FDIC up to $100,000.

Q How do I set up Direct Deposit of my payroll check?
A After your Northland Financial checking application has been approved, you will receive Northland 
Financial's routing and transit number and your account number. If your employer participates in a 
direct deposit program, simply provide your Northland Financial checking or savings account number 
and Northland Financial's routing number to the human resources or payroll department at your company 
and your direct deposit will usually begin within 30 days. Or, you can complete and submit our online 
Direct Deposit Application located under Personal Banking - Applications.

Q Can I get information about my account by phone?
A Yes! Account information is available with our Customer Service Representatives during business hours 
at any of our locations or ask about our Dial A Bank for automated account information 24 hours a day. More 
information regarding our 24/7 Dial-A-Bank system can be found on this website under Online Services - Dial-A-Bank. 
You can also complete and submit an online application for this very convenient, FREE service.

Q Can businesses have accounts at Northland Financial?
A Yes! Northland Financial offers business loan and deposit products. To see what we currently offer, check 
out our Business Banking options.

Q Does Northland Financial offer IRAs online?
A Northland Financial does offer IRAs; however, being able to apply for this service is not currently available online.

For more information on IRAs we currently offer, check out our IRAs/HSAs.

Please contact us for our current IRA products and rates.

Q Is interest paid on Northland Financial checking accounts?
A Yes! If you want a checking account that pays a market rate of interest, check out our Deposit Rates for current 
account rate information.

Q Can I open an account if I don't live in the United States? What if I live in the United States but am not a 
citizen yet?
A As stated on our application, at this time, we only accept applications from persons residing within the United States 
with valid U.S. tax identification numbers (Social Security Numbers). If you have Questions, contact us.

Q Can I do all of my banking with Northland Financial?
A Yes! Thanks to the convenience of Online Banking, Bill Pay, Online Image access, Online Statement access, 
Direct Deposit, Direct Payment and ATMs, everyday banking activities can be performed from the comfort of your 
home. Contact us with Questions about your specific banking needs.

Q Can I look at all of my transactions at any time?
A Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week! Transaction 
history for your account will build for one year. In addition, account history from up to one year prior to signing up for
online banking will also be made available if your account has been open that long. You will also have access to 
images of your checks online and you can enroll for online statement access.

For more information regarding Northland Financial Online Services for both personal and business banking, check 
out Online Services.

Q How frequently is my Northland Financial information updated?
A Northland Financial updates all customer information nightly. Whether you access our Online Banking site 
or do banking in our office, your account information is updated every day to reflect all account activity.

Q Are wire transfers possible to and from my Northland Financial checking account?
A Yes! Funds can be transferred to and from Northland Financial accounts by wire transfer or via ACH 
(Automated Clearing House) debits or credits. Contact us for details.

Q How do I make a deposit to my account from a remote location?
A You can do most of your banking by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. 
Northland Financial also offers a bank-by-mail service which allows you to mail non-recurring deposits. Contact us 
for details on a method that works best for you.