Welcome to Nationwide Bank!

It’s been a year in the making, and Nationwide Bank is excited to welcome Associate & Agency Banking customers to your new home for convenient online banking. We’re looking forward to serving you better with:

• More savings options
• Attractive rates on savings, loans and credit cards
• Access to 400,000 ATMs in the Visa®/PLUS network
• Convenient ways to access your account – online, on the phone and in person

Find the information you need about your account

Over the past few weeks, we’ve mailed you information about potential changes to your account. Use the electronic brochures below for reference during this transition.

• An Important Note (Consumer Letter) (PDF)
• Taking the Next Step Together (PDF)
• Agent Business Lending Accounts Letter (PDF)
• Business Deposit/Loan Accounts Letter (PDF)
• Tax Information Regarding Your 1099-DIV (PDF)

Update your Quicken^® software

If you use Quicken Personal Finance Software to download your account history, be sure to read this important information about updating your software. This update is time sensitive and it is important you perform the instructions exactly as described and in the order presented.

Frequently asked questions

If you have questions about your new Nationwide Bank account, try the FAQs below.

About online banking

Q. How do I reset my online banking password?

A. To sign up for online banking or reset your password, please call us at 1-877-I Bank NW.

Q. If I never used online banking, can I use it automatically now?

A. If you didn’t use the online banking feature prior to conversion, you will need to call us at 1-877-I Bank NW to request activation. You will be given a user ID, a password and the answer to a secret question or two that you will know the answer to. Please note that you will need your driver’s license to complete the process. You will also need to select a picture and phrase, known as a Safekey. This is for your protection and it is a picture and phrase that you will need to see if you are using computers other than the ones that you register.

Q. Why is the bill pay system defaulting the earliest payment date?

A. The date that you see when posting payments, is the date the payee will receive the payment. In the past, you had to schedule a payment 2 or 5 days earlier than the due date. This allowed the bill payment system to electronically send your payment (2 days) or send a paper check (5 days). During this bill payment scenario, your account was debited on the day that you indicated a payment should be initiated. This money will not be debited from your account until your merchant’s financial institution has processed the payment.

Q. Why am I only able to view some check images?

Checks written against your current account number prior to Monday, February 25 will not have on-line viewable images.  Please contact our customer care center if you need a copy of those images. Checks written after Monday, February 25 should have images which can be viewed on-line. When you are in your online banking account, look to the left of the transaction and click on the check icon to access this image.

Q. I use Quicken^® or Microsoft Money^® for my online banking – what can I expect?

A. Quicken users will need to make some changes to their setups before February 22. Please go to nationwidebank.com/quicken for detailed information about changes you will need to make.

About ATM transactions

 Q. Where can I make ATM withdrawals?

A. There are 32,000 surcharge-free Allpoint ATMs across the country – all of which are fully operational. To find the location nearest you, please visit the Allpoint ATM locator.

Q. Where can I make ATM deposits?

A. ATM deposits can be made at eligible ATM machines on the Visa®/Plus ATM Network. Please visit the Visa®/Plus ATM Locator and be sure to check the box to search for ATM's that "Accept Plus Shared Deposits".  In addition, Nationwide Bank ATMs in the Columbus area are accepting deposits, as are Huntington Bank and US Bank ATM’s.

Q. Can I continue to use the same ATM or debit card I use today?

A. Yes, you can continue to use your existing card with the same personal identification number (PIN).

About your accounts

Q. What will happen to my account numbers?

A. New account numbers will be assigned for all deposit and loan accounts. We will mail you your new account number the week after conversion. Please note that Credit Card and Home Equity Line of Credit account numbers will not change.

Q. Can I continue to transfer money from one account to another?

A. Yes, if you are the owner or a co-signer on an account, you can continue to transfer money between accounts as before. Transfers between your Nationwide Bank accounts are available immediately. If you are transferring funds between your Nationwide Bank account and an account with another financial institution, the availability of funds will depend on how quickly the transfer is processed at the other financial institution. Generally, funds are available within two to five business days.

Q. Will my accounts continue to be federally insured?

A. Yes, your accounts will continue to be federally insured by the FDIC to at least $100,000 per depositor.

Q. Will overdraft protection continue?

A. Yes, if you currently have overdraft protection for your checking account, this protection will continue as before.

About your checks

Q. When will I receive my new checks?

A. New checks will begin to ship out beginning the week of March 10. The process of reprinting and distributing checks will be completed by the end of March. Be assured you can continue to use your old checks until you receive your new checks.

If you have ordered checks through the credit union/bank in the past, you will receive the same style as you ordered most recently and the check numbers will begin where your last checks left off. If you ordered duplicate checks the last time, you will receive duplicate checks this time. If you most recently ordered through a check printing service other than Deluxe, you will receive a variety pack of checks and a coupon to order checks through the bank’s supplier, Deluxe.

Q. Since check copies prior to February 23 will no longer be available online, will I be able to get a copy of one of my checks if I need it?

A. Yes, you can request a copy of a pre-conversion check by calling 1-877-I Bank NW. We will provide you up to 20 checks per account at no charge until April 30, 2008. After that time, normal check copy fees apply.

About ACH (Automated Clearing House) transactions

Q. I have many merchants who debit my account each month. Do I need to contact them with my new routing and account number? What about a deposit from the IRS or other employer?

A. All of your current ACH relationships will continue to process as they have in the past. You do not need to contact third parties. Likewise, if you have money directly deposited into your accounts, and the employer or organization has your previous information, it will be directed into your new account. As you establish new relationships with organizations, employers or merchants, please use the current routing number 044072324 and your new converted account number.

About your statements

Q. What accounts are included on my statements?

A. The new statements will show the history of your deposit accounts. Only those customers who have business loans, bridge loans, Home Equity lines of credit and Educational Assistance Reimbursement loans will continue to receive a separate loan statements. If you have questions about your loan, please call 1-866-444-4040.

Q. Will my account statement be sent on the same schedule as it is today?

A. Deposit statements will be sent to you on the same schedule. During the month of February, you will receive two deposit statements.

As of February 25, loan information will no longer be included on deposit statements. If you have a business loan, bridge loan or Educational Assistance Reimbursement loan, you will receive an individual statement for your loan account on a monthly basis. Home equity line of credit loans customers will continue to receive statements as they do today. Statements for other loan types will no longer be sent. If you have questions about your loan, please call 1-866-444-4040.

About funds availability

Q. When will funds I deposit to my accounts be available to me?

A. The Nationwide Bank funds availability policy after February 25 will be different from the policy that now governs your accounts. For more details about the availability of your funds, please go to www.nationwide.com/bank-terms.jsp.

Q. Why do you put holds on checks?

A. Holds are placed on checks to ensure that the funds are collected by the bank before being withdrawn. The time established for any hold on checks is regulated by the federal government to ensure that funds are available in a reasonable amount of time.

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