Choose the Checking Option that Fits You Best
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Dividend Rewards: Free Checking, Earn 5.00% APY
- Designed for debit card users, Dividend Rewards checking offers our highest checking account dividend rate when monthly qualifications* are met.
- Earn 5.00% APY up to $25,000**; Earn 0.50% APY on portion of balance above $25,000.**
- Once you have opened your Dividend Rewards Checking account, open our Rewards Savings Account for even greater benefits.
Debit Rewards: Free Checking, Earn 4.00% Cash Back
- Designed for debit card users, Debit Rewards checking provides rewards on purchases when monthly qualifications* are met.
- Earn 4.00% cash back on up to $200 of everyday debit card purchases ($8 maximum cash back per month).***
- Plus, once you’ve opened your Debit Rewards Checking account, open a Rewards Savings Account to earn even more on your savings!
Choice: Free Checking, No Monthly Requirements
- Designed for checking users who want the basics and aren't interested in rewards or dividends.
- No minimum balance and no monthly maintenance fees.
- Free first box of checks.
- Free transactions at 30,000+ network ATMs nationwide.
Elite: Checking with Monthly Dividends
- Designed for members who frequently write checks, make regular deposits to their checking account, and maintain a minimum daily balance of $5,000.****
- Monthly dividends: 0.02% APY (standard dividend) or 0.07% APY (with a deposit of $1,000 per month to Elite Checking).
- Free Cashier’s Checks.
- Free transactions at 30,000+ network ATMs nationwide. Up to $10 per month out of network ATM fee refunds available.
Convenient Digital Services
Access Your Accounts Online 24/7
From your desktop or laptop, click LOG IN in the upper right corner of this page, then enter your username and password. If you are logging in for the first time, choose Register Now. You will be prompted to create a unique password and validate your account.
Download the Northwest Mobile App on your mobile device
- Android Users: Click here to download the new app now.
- iPhone users: From the app store, search “Northwest Federal Credit Union” to download our mobile app.
Android is a trademark of Google Inc.
iPhone and iPad are registered trademarks of Apple Inc.
Pay Bills with a Few Clicks
Use Bill Pay within Online Banking to pay your monthly bills, schedule automatic payments and set up recurring payments easily and securely. There’s no monthly fee, no minimum balance requirement, and no reason not to use this convenient service that saves you time and money.
Login to Online Banking to set up Bill Pay today.
Enroll in eStatements
Go paperless and contactless with your monthly account statement to save time, reduce clutter, protect your privacy and protect the environment. You’ll receive an email on the first business day of the month letting you know your eStatement is available through Online and Mobile Banking.
Login to Online or Mobile Banking and access the EDOCS Widget.
With Early Pay, you have access to your direct deposit (including paychecks, tax refunds, retirement, and social security) up to two business days sooner.
Early Pay is a free service available on eligible Northwest accounts. Early access to direct deposit will not occur on weekends or holidays and is based on when the originator provides payment details.
Access Accounts by Phone
Check on accounts from your touchtone phone with our user-friendly Telephone Banking service available in English and Spanish.
- Call 703-709-6917 or 800-932-7666 (toll-free)
Real-time Control of your Northwest Debit and Credit Card
Set the terms for when, where and how your cards are used anytime, anywhere:
- Turn cards on/off to protect from potential fraud
- Receive transaction alerts
- Quickly and easily add your cards to digital wallets
Download Northwest’s CardControl+ app from the App StoreSM or Google PlayTM to start using it today!
App Store is a service mark of Apple Inc.
Google Play is a trademark of Google Inc.
Put an End to Embarrassing Moments at the Checkout
Our Member Protection Plan may cover your checking account overdrafts up to $500 on certain types of transactions based on the plan you choose.
- Enjoy a safety net when your balance is low
- Pay less on overdrafts*
- Overdraft transactions of $5.00 or less will not incur a fee
Member Protection Plans
Standard Member Protection Plan
MPP Standard offers additional, optional coverage that is available upon request by eligible accountholders. Under this plan, the Credit Union authorizes and pays overdrafts for the following types of transactions:
- Checks, ACHs and other transactions made using your checking account number
- Automatic bill payments
- ATM transactions
- Everyday debit card transactions
To opt into this plan:
- Login to Online Banking
- Under Quick Links, select Member Protection Plan/Courtesy Pay Form
- Complete and submit the form via Message Center
Limited Member Protection Plan
MPP Limited offers coverage that comes with your eligible checking account1. Under this plan, the Credit Union authorizes and pays overdrafts for the following types of transactions:
- Checks, ACHs and other transactions made using your checking account number
- Automatic bill payments
Overdraft Coverage
Overdraft Protection Plans – Draw Accounts
Protect your account from overdrafts by linking your savings, credit card, Money Market Account or Line of Credit loan to your checking account. If your checking account has insufficient funds, we’ll automatically transfer money from these accounts.
To Enroll:
- Contact our Call Center at 703-709-8900 or 844-709-8900 (toll-free)
- Login to Online Banking to send us a message via Message Center
1 For eligible accounts opened on or after 5/17/21. Accounts opened prior to 5/17/21 must enroll in the MPP Limited plan.
*Member Protection Plan enrollees will pay a reduced fee of $29.50 on overdrafts instead of $32.50 for insufficient funds fee. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. A maximum of six (6) MPP, overdraft and/or returned item fees will be charged per day.
The Member Protection Plan (MPP) is not a line of credit. However, if you overdraw your account, we have the discretion to pay the overdraft subject to the limit of your MPP and the amount of the overdraft fee. Northwest Federal is not obligated to pay any item presented for payment if your account does not contain sufficient available funds. You must bring your account to a positive balance for at least twenty-four (24) hours within every thirty (30) day period. Northwest Federal will not pay overdrafts if you have exceeded your MPP limit or if you are delinquent in repayment.
To determine whether you have enough money in your account to cover a transaction, we use your account’s available balance which is based upon the deposits and withdrawals to your account and all pending electronic transactions, including pre-authorized transfers, point of sale transactions, and merchant payment authorizations, regardless of whether they have posted to your account.
Member Protection Plan disclosure.
Conveniently Transfer Funds
When you need to transfer money to another financial institution, foreign or domestic, we can help with convenient and secure online services. See our Schedule of Fees for applicable Northwest Federal fees.
Domestic outgoing wire transfer
To conduct a domestic wire transfer, you’ll need the following information about the receiving financial institution:
- ABA Routing Number
- Institution’s name
- Recipient’s name, address and account number
- Any special instructions (if applicable)
Wire transfers can be requested in Online Banking. Once logged in, access the QUICKWIRES widget.
Questions? Contact our Member Service Center at 703-709-8900 or 844-709-8900 (toll-free) or stop by a branch.
Foreign outgoing wire transfer
Here’s what you’ll be asked to provide when conducting a foreign wire transfer:
- Your name, address, phone number and Social Security Number
- Your Northwest Federal account number
- Receiving institution’s Swift code, name and address
- Receiving institution’s International Bank Account (IBAN) for countries in European Union
- Recipient’s name and account number
- Any special instructions (if applicable)
Questions? Contact our Member Service Center at 703-709-8900 (844-709-8900 toll-free) or stop by a branch.
Wiring money into your account
Domestic Incoming Wire:
You’ll be asked to provide the following information to the other financial institution:
- Member’s name, account number and type of account
- Northwest Federal ABA Routing Number: 256075025
- Account address: 200 Spring St., Herndon, VA 20170
- Northwest Federal phone number: 703-709-8900 or 844-709-8900 (toll-free)
Foreign Incoming Wire:
You’ll be asked to provide the following information to the other financial institution:
- Name on Account: Northwest Federal Credit Union
- Account Address: 200 Spring St, Herndon, VA, USA, 20170
- Account Number: 4451688158
- Beneficiary Bank: Bank of America
- Beneficiary Bank Address: 901 Main Street, Dallas, TX, USA, 75202
- ABA SWIFT (International wires any currency): 026009593 BOFAUS3N
- Special Instructions: NWFCU account name, NWFCU account number and type of NWFCU account
Order Foreign Currency
Traveling out of the country? Order foreign currency online and have it delivered to your home in just two days with our convenient Online Travel Currency service. Upon your return, exchange your foreign currency for U.S. for a nominal fee.
*Monthly qualifications are: (1) Receive an eStatement each cycle (2) Have at least 12 debit card purchases post to your account each monthly qualification cycle (or 20 or more to earn the higher dividend rate for Dividend Rewards); (3) Have $500 in ACH deposits post to your account each monthly qualification cycle. Debit 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. ATM transactions do not count toward earning account rewards.
**APY = Annual Percentage Yield. APYs accurate as of 02/01/26. When your Dividend Rewards Checking account qualifications are met during a Monthly Qualification Cycle, balances up to $25,000 when at least 12 debit card transactions are posted receive APY of 4.00% (or 5.00% when 20 or more debit 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 debit 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 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 account rewards: ATM transactions, Debit card purchases processed by merchants as ATM transactions, transactions made with debit cards not issued by Northwest Federal. See account disclosures for ATM fee refund restrictions.
***When Debit Rewards Checking account qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $200.00 in debit card purchases that post to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. Rates and rewards are variable and may change after account is opened. There are no recurring monthly maintenance charges or fees to open or close this account. Rewards less than a penny cannot be distributed. This account is not to be used for commercial purposes. Each individual is limited to being the primary owner on one account. In order to receive reimbursement of domestic ATM fees (up to $5/month) incurred in a statement cycle your account qualifications must be met during the Monthly Qualification Cycle. 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 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 account rewards: ATM transactions, Debit card purchases processed by merchants as ATM transactions, transactions made with debit cards not issued by Northwest Federal.
****Please note: You must maintain a minimum average daily balance of $5,000 in Elite Checking to avoid $10 monthly maintenance fee. APY=Annual Percentage Yield. Fees may reduce earnings on accounts. Dividends are compounded daily and paid monthly. Rate is subject to change without notice. Rate may change after the account is opened. Elite Checking account holders will be refunded a total of $10 in out of network fees and ATM surcharge fees each month. Elite Checking ATM refunds of up to $10 will be credited at month-end.