Earn 5.00% APY* with Dividend Rewards Checking
Earning our highest checking rate is easier and more flexible than ever! Your everyday purchases with a debit card and/or credit card can help you earn more.
Earn 50x Bank Rates with High-Rate Checking
Why settle for ordinary checking when you could earn up to 50x bank rates?** With Dividend Rewards Checking, you can earn 5.00% APY* on balances up to $25,000 when you meet a few simple monthly qualifications.***
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Earn 4.60% APY* with a 9-Month Certificate
Your next savings goal deserves a strong start. Transfer funds from another financial institution and lock in a limited-time certificate rate that can help your money reach peak performance.
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DIY Investing Tools
We’ve partnered with InvestiFi* to provide a straightforward, secure way to start building an investment portfolio — all within your existing online and mobile banking experience.
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Northwest is thrilled to be featured on All Access and nationwide Public Television offering a behind-the-scenes look at the people, relationships, and service that drive Northwest every day.
SBA Loans for Small Business
Whether it’s day-to-day business needs or financing for a long-term investment, we can help you identify the SBA loan program that aligns with your goals.
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- Convenient free checking options with rewards
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See More Testimonials*APY = Annual Percentage Yield. APYs accurate as of 10/1/26. When your Dividend Rewards Checking account qualifications are met during a Monthly Qualification Cycle, balances up to $25,000 when at least 12 debit and/or credit card (Platinum or First Card) transactions are posted receive APY of 4.00% (or 5.00% when 20 or more debit and/or credit card (Platinum or First Card) transactions are posted). Balances greater than $25,000 earn 0.50% APY on the portion of balance greater than $25,000, resulting in an APY for this tier ranging from 4.00% to 1.38% APY (or 5.00% to 1.63% APY when 20 or more eligible card transactions occur) depending on the account’s balance. APY calculation is based on an assumed balance of $100,000. Rates and rewards are variable and may change after account is opened. Each individual is limited to being the primary owner on 1 (one) account. In order to receive reimbursement of domestic ATM fees (up to $5/month) incurred, your account qualifications must be met during the Monthly Qualification Cycle. Monthly Qualification Cycle means the period beginning on the first day of the current month and closing on the last day of the current month. Debit and credit card transactions may take one or more days to post to the account and must post during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning a higher APY: ATM transactions, debit or credit card purchases processed by merchants as ATM transactions, balance transfers, cash advances or non-purchase transactions, and transactions made with cards not issued by Northwest. See account disclosures for ATM fee refund restrictions.
**This information is based on the national bank average checking account rate within S&P of 0.10% APY as of 09/29/26.
***Dividend Rewards Monthly qualifications are: (1) Receive an eStatement each cycle (2) Have at least 12 debit and/or credit card (Platinum or First Card only) purchases post to your account each monthly qualification cycle (or 20 or more to earn the higher dividend rate); (3) Have $500 in ACH deposits post to your account each monthly qualification cycle. Debit and credit card transactions may take one or more days to post and must post during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning a higher APY: ATM transactions, debit or credit card purchases processed by merchants as ATM transactions, balance transfers, cash advances or non-purchase transactions, and transactions made with cards not issued by Northwest.