^*Northwest Bank - Refer-A-Friend Checking Account Offer: The person making the referral (Referrer) will earn a $50 Visa® Virtual Reward for each individual referred (Referred Person) to Northwest Bank who registers for the offer, opens a new Northwest Bank personal checking account (Affinity, Affinity Plus or Affinity Premier), and completes the offer requirements within the time specified in the offer. To make a referral, the referrer must be an existing Northwest customer in good standing, register for the program and share the offer with their friends and family. A Referrer may earn up to $500, in Visa® Virtual Rewards, within a calendar year. Only one Referrer may receive a Visa® Virtual Reward for each Referred Person who fulfills the requirements.

To earn a $200 Visa® Virtual Reward, the Referred Person must register by following the link provided in the referral email or on social media, open a new Northwest Bank personal checking account (Affinity, Affinity Plus or Affinity Premier), and meet the following requirements within 60 days of account opening:

• Make direct deposits totaling $1,000 or more AND
• Complete 10 posted Northwest debit card transactions (POS, Mobile Wallet and ATM are eligible)

Account must remain open and be “in good standing” at the time the reward is issued.

A qualifying Direct Deposit is an Automated Clearing House (ACH) credit, which may include payroll, pension, or government payments (such as Social Security). You must open the new checking account within 180 days of registering for this offer using the shared referral link that was shared by the referring party. To receive the reward, your checking account must be open and in good standing. Offer is not available to existing Northwest Bank personal checking account customers or to those with a Northwest Bank personal checking account that has been closed within the last 12 months. Northwest Bank reserves the right to limit each customer to one new account-related bonus per calendar year. This reward is subject to tax reporting. Please consult your tax advisor. Reward is subject to IRS 1099-INT reporting. Employees of Northwest Bank, its affiliates, and subsidiaries are not eligible for this offer. Cannot be combined with any other offer. Offer subject to change. Including cancellation, at any time without notice. Offer is non-transferable.

Referrer: To qualify for the $50 reward, you must make a qualified referral. To make a qualified referral, the referee must open a new Northwest checking account and satisfy the specific requirements to earn the reward. The $50 reward will be delivered as a digital Visa® rewards card within 60 days of the referee completing their requirements of eligibility. You may earn up to ten (10) $50 referral rewards per calendar year - up to $500. This reward may be subject to tax reporting. Please consult your tax advisor. Reward is subject to IRS 1099-MISC reporting. Employees of Northwest Bank, its affiliates, and subsidiaries are not eligible for this offer. Cannot be combined with any other offer. Offer subject to change, including cancellation, at any time without notice. Offer is non-transferable.

The Referrer authorizes the sending of communications to each Referred Person. The email may not be recovered if the person has “opted out” of marketing material from Northwest Bank or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email. The Referred Person acknowledges that a Visa® Virtual Reward will be issued to the Referrer after all conditions have been met in the time frames provided.

Please allow 2-3 weeks after completion of all requirements for delivery of the Visa® Virtual Reward. Visa® Virtual Rewards are valid for 3 months from the date of issuance and may be redeemed at Internet, Mail Order, and Telephone merchants wherever Visa® debit cards are accepted.

Visa® is a registered trademark of Visa®, Inc. Visa® is not a participant or sponsor of this promotion.

¹Early Pay is a free service made available on eligible checking accounts enrolled in direct deposit.  Early Pay grants you access to your eligible direct deposit payments up to two days prior to the scheduled payment date.  Early availability is based on the timing of the payer's payment instruction and standard fraud prevention restrictions apply.  Early access to direct deposit will not occur on weekend or holidays and is based on when the originator provides payment details. If originator does not send the deposit in a timely manner, your deposit will arrive on the original scheduled date.

^{^}Includes only ATMs accessed through Northwest's Membership in the Allpoint ATM network.  For more information, visit www.allpointnetwork.com.

^**Transactions typically occur in minutes when the recipients email address or U.S. mobile number is already enrolled in Zelle(R).  Must have a bank account in the U.S. to use Zelle(R). Data charges may apply.  Zelle(R) and the Zelle(R) related marks are wholly owned by Early Warning Services, LLC and are used herein under license.  Not available for business customers.

^✝Mobile data or text charges may apply.

ReferLive is a trademark of CustomerStream, LLC."