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 IMPORTANT NOTICE LOBBY SERVICE AT ALL NORTHERN STATE OFFICES IS TEMPORARILY CLOSED Click here for more information Close ONLINE BANKING Online Banking Info Personal E-Statements CDs and IRAs Debit Cards Online & Mobile Banking Personal Savings Personal Checking Business E-Statements Online & Mobile Banking Business Savings Business Checking Loans Real Estate Loans Business Loans Personal Loans Loan Officers Financial Calculators More Services About Us Contact Us Bay Cam Lake Superior -- Bayfield We're proud to be your Hometown Bank! Mobile Banking Download Android App Download iTunes App Mobile Banking Agreement Learn More Online Banking Personal Banking Application Business Banking Application Learn More Financial Calculators Mortgage Calculator Mortgage Qualifier Bi-weekly Payment Calculator Refinance Breakeven Refinance Interest Savings View More Home Privacy Policy Contact Us USA PATRIOT Act Terms of Use Internet Gambling Notice © 2020 Site powered by ProfitStars Northern State Online Agreement and Disclosure statement Please read the Northern State Online Agreement and Disclosure Statement carefully and click "I accept these terms" to print an application. This agreement states the terms and conditions that apply when you use our Internet banking service. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. You must also follow all of our instructions and procedures applicable to the services covered by this agreement. Each time you access an account through Northern State Online , you confirm your agreement to these terms. 1. Definitions "You" and "your" mean each person or business entity who establishes an Northern State Online Internet banking relationship with us or who uses or is authorized to use an online identification number and password or other means of access we establish or approve. " Northern State Online " and the "Service" means our service that allows you to make payments, transfer funds, access accounts, obtain information and perform other transactions over the Internet by use of a personal computer and modem and/or other means we authorize or allow. "We", "us", "our" or "the Bank" refer to which offers the Service and which holds the account or accounts accessed by the Service. 2. Identification Number and PIN To access the online banking service, you must use the identification number and/or other means of access we establish or provide for your Northern State Online Customer Account, together with PIN. Anyone to whom you give your online ID and PIN or other means of access will have full access to your accounts and you will not be able to limit that person's authority. The first time you access any of the accounts available to you under this Service, you confirm your agreement to be bound by all of the terms and conditions of this Agreement and acknowledge your receipt and understanding of this disclosure. You may choose to accept or decline new services or changes to existing services by continuing or discontinuing the services to which such change may relate. Upon your acceptance of this Agreement and the successful completion of your application, we will provide you, in a timely manner, with your Northern State Online ID and a temporary PIN. You will be prompted to change your PIN after the first use of your bank assigned PIN. We are entitled to act on any instruction received under your Northern State Online ID and PIN. You are responsible for keeping your ID, PIN and account data confidential. Notwithstanding any instructions contained on the signature card for your account, you understand and agree that access to your accounts via Northern State Online is granted by IDs and PINs that can be reentered by a single individual. You should not designate any account that requires more than one signature for withdrawals. If you do so designate such an account, you and all co-signers of the account agree that transactions made via Northern State Online by use of an ID and PIN are authorized and that we may act on the oral, written or electronic instruction of any one authorized signer for Northern State Online transactions. 3. Online Banking Transactions You, or someone you have authorized by giving them your Northern State Online ID and PIN or other means of access (even if that person exceeds your authority), may instruct us to perform the following transactions: · View account balances and transaction history; · Make transfers between your qualifying accounts to the extent authorized; · Obtain information that we make available about your qualifying accounts; · Make payments on eligible loan accounts or lines of credit; · Make third party payments under the Bill Pay Service (subject to approval) · Obtain other services or perform other transactions that we authorize or make available now or at a future date. 4. Limits On Online Banking Transactions You must have enough available money or credit in any account from which you instruct us to make a payment or transfer. Bill payments are not allowed from savings, money market, certificate of deposit, installment loan, or line of credit accounts. You cannot transfer funds from an installment loan or line of credit or from or into a certificate of deposit or IRA. Funds transfers into loans or lines of credit will be credited as payments in the manner set forth in your promissory note or loan agreement. Transfers from savings and money market accounts are limited by law and your deposit account agreement with us. For these types of accounts, you may only make up to six withdrawals and/or transfers each month by check, preauthorized or automatic transfer, draft, telephone, or online access. Only three of these six transactions may be by check, draft, debit card, or similar order to third parties. Funds from deposited items may also be subject to an uncollected funds hold, as disclosed in your funds availability disclosure. You may request another one of these at any time by contacting at info@nsbashland.com or by phoning 715-682-2772. 5. Our Liability For Failure To Complete Payments Or Transfers If we do not complete a payment or transfer on time or in the correct amount according to our agreement with you, we will only be liable to you to complete such payment or transfer. Under no circumstances will the Bank be liable for any damages that you may suffer, including consequential damages, due to our failure to complete a payment or transfer. Specifically, the Bank will NOT be liable to any extent whatsoever if: a) Through no fault of ours, you do not have enough available money in the account from which a payment or transfer is to be made, or if the account has been closed or is not in good standing, or if we reverse a payment or transfer because of insufficient funds; b) Any payment or transfer would go over the credit limit of any account; c) Your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction; d) You have not given us complete, correct or current account numbers or other identifying information so that we may properly credit or debit your account or otherwise complete the transaction; e) You do not properly follow our instructions or if you provide us with wrong or inaccurate information or fail to correct or tell us about any inaccuracy of which you are aware; f) You do not initiate your payment or transfer in time to be received and credited by its due date; g) The money in the account from which a payment or transfer is to be made is subject to legal process or other claim which restricts the transaction; h) We process your payment in a timely manner, but the payee rejects your payment or fails to process it in a timely manner; i) Circumstances beyond our control prevent, delay, intercept or alter the transaction, despite reasonable precautions that we have taken. There may be other e...