Checking and Savings

Q: What are my account and the routing numbers?

A: You can find them easily on your check book (see below) or monthly statement.

Q: What is the minimum to open a checking or savings account?

A: The minimum is $100.00.

Q: How do I set up direct deposit?

A: Contact your employer or the agency issuing the funds and complete a direct deposit form.

Q: What is the difference between the available balance and the memo balance?

A: The memo balance includes holds currently placed on your account and deposits and/or debits that have not yet posted to your account.

Q: Where can I find my account balance?

Online banking, the Info Line at 1-800-556-5429, the bank's mobile app, or by calling any of our convenient branch locations.

Q: Is the ATM balance the actual balance in my account?

A: No, the ATM balance does not reflect outstanding checks or memo activity on the account.

Q: Do you have overdraft protection on checking accounts?

A: Yes, for qualifying accounts.  Please call or stop by one of our branch locations.

Q: Can I open a savings account for my grandchild?

A: Yes, as long as you have documentation verifying the child’s social security number.

Q: If I have a student/children’s account, does it convert to a regular account the day I turn 23 or the month?

A: It converts during the month you turn 23.

Q: Can I order checks online?

A: Yes, click here to order your checks from Deluxe.

Internet Banking

Q. How do I sign up for online banking?

A. Choose New User from the log-in section on the home page.

Q. Is the web site safe?

A. Yes, the login screen and account access pages are protected by 128 bit encryption.

Q. Can I transfer money between accounts?

A. Yes, the transfer limit is $2,000.00. The limit can be raised or lowered based on your needs. To change the transfer limit please call the bank's bookkeeping department at (812) 256-3271.

Q. Who do I contact with questions about online banking?

A. The Online Banking Department (812) 284-9264.

Q. Is there a fee for bill pay?

A. No, if you pay at least two bills each month. For any month where less than 2 bills are paid there will be a charge of $5.95 for that month.  

Q. How can I add an account I just opened to my online banking?

A. Contact the Online Banking Department (812) 284-9264 or Bookkeeping (812) 256-3271.

Q. I don’t see the lock at the bottom of the screen. How do I know this website is secure?

A. If the URL (web address) starts with “https//” then it is a secure page.

Q. What happens if I can’t remember my user name or password?

A. Contact the Online Banking Department (812) 284-9264.

Q. Can I use electronic bill payment with all my accounts?

A. No, only checking accounts can be used for bill payment purposes.

Q. Who can be paid using the bill payment system?

A. Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone; charge accounts, utilities, auto- loans, professionals, even a lawn care service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

Q. How do I place a ‘stop payment’ on a bill payment?

A. A payment may be edited or deleted any time before the “process date.” Payments that have been remitted electronically cannot be stopped.

ATM/Debit Card

Q: I lost my PIN, how do I get a new one?

A: Please call our bookkeeping department at 812-256-3271.

Q: Can I get more than one card per account?

A: Yes.  For personal accounts, the person’s name must be on the account.  For business accounts, authorized signers may request additional cards to be issued.

Q: Is the ATM balance the actual balance in my account?

A: No, the ATM balance does not reflect outstanding checks or memo activity on the account.

Q: What is my daily withdrawal limit at the ATM?

A: $300.00

Q: What is my VISA check/debit card daily limit for in-store or online transactions?

A: $1,500.00

Q: Is there a charge for using my VISA Check/debit card?

A: If used as a debit, there is a $1.00 charge.  If used as a credit, there is no charge.

Q: What number do I call if my card is lost or stolen?

A: Call any branch during business hours.  After hours call 844-202-5333.

Q: Is there a fee to replace an ATM/debit card?

A: Yes, there is a $5.00 fee.

Q: Can you choose your own PIN for your ATM/debit card?

A: Yes, you can change your PIN at any NWSB ATM.  You will need the current PIN to make the change.

Q: How long does it take to receive a debit card?

A: It takes a week to ten days.

Q: Can I get cash back with my VISA check/debit card?

A: Yes, as long as sufficient funds are available in the account.

Q: Will my debit card work in ATMs other than NWSB?

A: Yes, however; a foreign ATM charge will apply.

Q: How old do you have to be to get a card when you have a savings/checking account?

A: You have to be 18.

 

Loans

Q: What is my loan payoff?

A. You can call us anytime during business hours at our Loan Operations Center (812) 670- 2233 or fax the request to (812) 256-7248 to receive a loan payoff.

Q. Can I have my loan payment deducted from my account?

A. Yes, you can have the payment automatically deducted by signing up at any of our branch locations or by calling the Loan Operations Center (812) 670-2233. You can also make your payment online by using internet banking.

Q. Can I make my payments online?

A. Yes, if the loan is with NWSB and you have an account with us, you can make a payment using internet banking, by making an online transfer. If the loan is with someone else you can make a payment online by using the Bill Payment Option.

Q. Do you allow cosigners on loans?

A. Yes, on a case by case basis.

Q. What is my loan number?

A. Your loan number can be located on the top of your coupon in your coupon book.  If you receive a monthly statement, your loan number will be located on the statement. You can also call any of our offices for assistance.

Q. Do you finance land loans?

A. Yes. Please call any of our branch offices for details.

Q. Do you make home loans?

A. Yes, please call any of our branch offices for details.

Q. Do you make 30 year fixed rate mortgage loans?

A. Yes, for details please see our mortgage loan's page or contact a loan officer at Charlestown (812-256-5020), Sellersburg (812-246-6626) or River Ridge (812-256-5462).

Q. What are your auto loan rates? 

A. For rates on automobiles, boats, RV’s, etc. you can stop into any of our branch locations.  Any of our loan officers would be glad to help.

Q. Can I make a payment using my MasterCard or Visa?

A. Yes, for details and to make a credit card payment over the phone, call our Loan Operations Center (812) 670-2233.  There will be a $10.00 convenience fee to make a credit card payment over the phone.