Northwest Community Credit Union (NWCCU) is a member-owned financial cooperative serving Morton Grove and the greater Chicagoland area. Focused on people—not shareholders—NWCCU offers competitive loan rates, dividend-bearing savings, low fees, and personalized service. From mortgages and auto loans to CDs and IRAs, NWCCU provides practical, transparent financial solutions built around long-term stability and community. Search ATMs & Locations Make A Payment Login Join Today 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 Services 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 Login Join Today 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 Services 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 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 Services 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 NWCCU is a member owned, not-for-profit financial institution built exclusively for members and the community. A better direction in banking. About Northwest Community Credit Union Northwest Community Credit Union began in 1939 with a simple idea: neighbors helping neighbors. Founded by members of Immaculate Conception Church, our credit union started as a small cooperative where people pooled their savings so fellow members could borrow when they needed it most. It was built on trust, community, and the belief that when people work together, everyone benefits. More than eight decades later, that same philosophy continues to guide everything we do. Today, Northwest Community Credit Union has grown into a strong, multi-million-dollar financial cooperative serving individuals, families, and businesses across our region. Our membership includes those who live or work in Lake, Will, and suburban Cook counties, along with the communities of Saint Xavier University and Special Olympics Illinois. While our services and technology have evolved, our purpose has not changed. We remain committed to the credit union philosophy of “people helping people” by providing trusted financial guidance, competitive rates, and convenient digital banking that supports our members wherever life takes them. At Northwest Community Credit Union, we believe financial institutions should do more than manage money. They should strengthen communities. And for more than 85 years, that’s exactly what we’ve been proud to do. Why are Credit Unions better than Traditional Banks? Credit Unions are cooperative, meaning they are member-owned, and profits are returned to members through lower fees, higher savings rates,and lower loan rates. Banks are in business to make a profit with earnings paid to stockholders. As valued shareholders within the community, credit unions are responsible for serving local communities, organizations, and businesses. Members are given precedence over private and corporate investors. At Northwest Community Credit Union, we are dedicated to delivering our mantra every day: "A better direction in banking." Benefits of Membership Community Engagement NWCCU is a proud member of the Illinois Hispanic Chamber of Commerce, National Association of Credit Unions, Morton Grove Chamber of Commerce and Saint Xavier University. Mission & Vision Mission: To help members achieve financial stability and growth by providing expert guidance and building lasting relationships, fostering a sense of belonging and transforming financial stress into freedom. Vision: To cultivate a profound sense of belonging that resonates throughout communities, building on foundations of local teachers and millworkers. Core Values & Commitments Member-Centric: Focused on individual needs, adding value and customizing financial solutions for members. Financial Empowerment Providing tools, education and guidance to improve financial well-being and achieve personal wealth goals. Trust & Partnership Building lasting relationships through honesty, expertise and collaboration. People Helping People Adhering to foundational credit union principles, with priorities on both financial performance and social purpose like the Illinois Special Olympics. Community Engagement NWCCU is a proud member of the Illinois Hispanic Chamber of Commerce, National Association of Credit Unions, Skokie and Morton Grove Chambers of Commerce and Saint Xavier University. Hours of Operation Holiday Closures 2026 New Year’s Day Thursday January 1, 2026 – Martin Luther King Jr. Day Monday, January 19, 2026 – Staff Training Day Tuesday, February 03, 2026 – President’s Day Monday, February 16, 2026 – Good Friday, closing at 1 p.m. Friday, April 3, 2026 – Memorial Day Monday, May 25, 2026 – Juneteenth Day Friday, June 19, 2026 – Independence Day Friday, July 3, 2026 – Labor Day Monday, September 7, 2026 – Indigenous Day CU KIND DAY! Monday, October 12, 2026 – Veteran’s Day Wednesday, November 11, 2026 – Thanksgiving Day Thursday November 26, 2026 – Day after Thanksgiving Friday November 27, 2026 – Christmas Eve, closing 12 p.m. Thursday, December 24, 2026 – Christmas Day Friday, December 25, 2026 – New Year's Eve, closing 12 p.m. Thursday, December 31, 2026 – New Year’s Day Friday January 1, 2027 Shared Branch Hours of Operation Monday | Tuesday | Thursday 8:00 a.m. to 4:30 p.m. – Wednesday 8:00 a.m. to 11:30 a.m. – Friday 9:00 a.m. to 5:30 p.m. – Saturday & Sunday Closed – Shared Branch Transactions Lobby Only. Hours of Operation Monday | Tuesday 8:00 a.m. to 5:00 p.m. – Wednesday 8:00 a.m. to Noon – Thursday 9:00 a.m. to 5:00 p.m. – Saturday & Sunday Closed Important Numbers Important Numbers Main Branch: 847-647-1030 Fax: 847-647-1208 Email: info@nwccu.com Report Lost or Stolen Cards VISA Credit Card: 800-322-8472 VISA Debit Card: 800-472-3272

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 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 Services 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 You work hard for your money. We make it work harder for you. As a member-owned, not-for-profit credit union, we deliver lower rates , stronger returns, personal service, and 24/7 access so your money goes further, every day. Deposits insured up to $500,000. A better direction in banking. Become A Member Today Introducing AutoMarketplace. A new way to move through the car-buying process with clarity and control. 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 Introducing HomeMarketplace. A new way to navigate the home buying process with clarity and control. 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 What are you planning today? What are you planning today? Buy A Home Purchase A Car Manage Spending Start Saving Consolidate Debt Make A Payment The Member Marketplaces We'll help you search for the auto or home of your dreams. AutoMarketplace™ HomeMarketplace™ Once you find your home or auto, let NWCCU provide the right loan to fit your budget. Auto Application Home Application

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 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 Services 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

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 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 Services 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