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Customer Service


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Access to your Northway Account


What can we help you find?

Savings, Money Market and IntraFi Cash Service

Save smart with Northway Bank.

Statement Savings is ideal for short-term goals or emergency funds. Our higher-earning money market account makes sense for your cash reserves. Northway Bank also offers a tax-free health savings account to complement high-deductible health plans. Money Market Account customers can have access to additional FDIC Insurance by enrolling in IntraFi Cash Service

Statement Savings

Maintain a balance of at least $100 and you'll earn interest while avoiding the low service fee.

Money Market

Higher earnings for your cash reserves. Earn tiered interest on your balance of $1,000 or more.

Health Savings Account

Do you have a high-deductible health plan? You're eligible for an HSA account.

IntraFi Cash Service (ICS)

Access FDIC Insurance above $250,000 through a single bank relationship with IntraFi Cash Service.

Statement Savings

The Statement Savings account is a simple way to meet your financial goals, no matter how big or small. This interest-bearing account will facilitate financial growth and help you achieve your dreams.

  • $10 minimum opening balance
  • Earn interest on balances of $100 or greater1
  • Unlimited transactions
  • Monthly statement options
  • Can serve as overdraft protection when linked to a checking account for Overdraft Sweep
1 Interest rate is variable and subject to change without notice. Fees may reduce the earnings on the account.

  • Maintain a minimum daily collected balance of at least $100 to avoid the $2 monthly service fee, or
  • Monthly service fee waived if primary account holder is younger than 18 or 62 or older.2
2Account holder must notify Northway Bank that he/she meets age requirement for monthly service fee waiver.

Money Market

A money market account is an ideal way to get greater earning power from your cash reserves. Enjoy the potential for a higher rate of return and easy access when you're ready to use your funds. TrueNorth Relationship Checking Account customers are eligible to exclusive access to our TrueNorth Relationship Money Market Account, which offers premium rates

  • Convenience of check, debit card, online, and mobile access
  • Anytime-access that comes with having a liquid account
  • Stronger earnings potential that comes with tiered interest rates
  • Peace of mind that comes from knowing your deposits are fully insured up to FDIC limits 
Money Market
  • $1,000 minimum opening balance
  • Earn interest on balances of $1,000 or more3
  • Tiered interest rates offer the potential to earn a higher interest rate with a larger account balance
  • $8 monthly fee waived if you maintain an average daily collected balance of $1,000
TrueNorth Relationship Money Market Account
  • Must have TrueNorth Relationship checking account
  • $1,000 minimum opening balance
  • Earn interest on balances of $1,000 or more3
  • Tiered interest rates offer the potential to earn a higher interest rate with a larger account balance
  • $8 monthly fee waived if you maintain an average daily collected balance of $1,000
  • Other terms and conditions apply, see TrueNorth Relationship Checking Account
3Interest rate is variable and subject to change without notice. Fees may reduce the earnings on the account.

  • Unlimited transactions

Health Savings Account

A Health Savings Account (HSA) is a tax-exempt account that enables you to save pre-tax dollars for future healthcare expenses.  Unlike flexible spending accounts, the funds are not subject to forfeiture if not used, which allows you to build up a savings account for future medical expenses. To be eligible, you must be enrolled in a high-deductible health plan. Withdrawals from a health savings account are tax-free as long as the funds are used to pay for qualifying medical expenses.  

  • Tax-exempt (consult a tax advisor) savings accounts used to pay for qualified medical expenses
  • Accessible through an HSA debit card, which makes payments easy
  • Portable if you change jobs
  • Used in conjunction with a high-deductible health plan
    • A high-deductible plan is a health plan with an annual minimum deductible of $1,500 for single coverage or $3,000 for family coverage4
    • A high-deductible plan must meet out-of-pocket limits: deductible, co-pays, and co-insurance not exceeding $7,500 for single coverage or $15,000 for family coverage4
  • Unlike many medical reimbursement plans, unspent HSA savings carry over year-to-year - similar to an IRA
  • Tiered interest rates offer the potential to earn a higher interest rate with a larger account balance5

4Amount subject to change.
5Interest rate is variable and subject to change without notice. 

  • Offset higher deductibles
  • Save for current and future medical expenses
  • Control your healthcare dollars

IntraFi Cash Service 

With IntraFi Cash ServiceSM, ICS®, you can enjoy the safety and simplicity that comes with access to multi-million-dollar FDIC insurance through a single bank relationship.
  • Peace of mind - Rest assured knowing that funds are eligible for FDIC insurance protection in amounts well into the millions, all backed by the full faith and credit of the federal government. And since deposit accounts are not subject to floating net asset values, you can feel secure knowing that market volatility will not negatively affect principal.
  • Interest - Put cash balances to work in money market deposit accounts.
  • Liquidity - Enjoy access to funds placed through ICS into money market deposit accounts.
  • Time savings - Work directly with just us - a bank you know and trust - to access multi-million-dollar FDIC insurance and forego the need to track collateral on an ongoing basis, or to manually consolidate statements and disbursements from multiple banks.
  • Community support - Feel good knowing that the full amount of funds placed through ICS can stay local to support lending opportunities that build a stronger community.1 
Contact us to learn more. Call 888-926-3880 or email

We, like other institutions that offer ICS, are members of the IntraFi network. When we place your deposit through ICS, that deposit is divided into amounts under the standard FDIC insurance maximum of $250,000. The amounts are then placed into deposit accounts at multiple FDIC-insured banks. As a result, you can access FDIC coverage from many institutions while working directly just with us.

Receive one statement from our bank and access key details about your accounts online, 24/7. 

And, as always, know that your confidential information is protected.

How can deposits greater than the standard FDIC insurance maximum be eligible for insurance by the FDIC?
The FDIC insures up to $250,000 in a customer’s deposit accounts in a given insurable capacity at an FDIC-insured depository institution. When your funds are placed through ICS, they are divided into amounts under the standard FDIC maximum and placed with other institutions participating in IntraFi's network - each an FDIC-insured institution. This makes your deposit eligible for FDIC insurance at each member bank. By working directly with Northway Bank, you can access insurance through many. You do not pay a fee to use this service, and you receive just one consolidated, monthly account statement from us. (You can also see, online, where your funds are at all times.)

How often can I access my funds?
Anytime- there are no deposit or withdrawal restrictions.

How can I tell how many withdrawals I’ve made in a given month?
As an ICS customer, you have access to the Depositor Control Panel, which shows how many withdrawals you have made from ICS funds placed in money market deposit accounts during a given month.

Who has custody of my funds?
Funds placed through ICS are deposited only in FDIC-insured institutions. We act as custodian for your ICS deposits, and BNY Mellon acts as subcustodian for the deposits.

Who provides the additional FDIC insurance when my funds are placed using ICS?
Through ICS, funds are placed with other institutions participating in IntraFi's network, and those Network members provide you with access to FDIC insurance coverage on deposits at those banks. Working directly with just Northway Bank, you can access coverage through many.

Is my account information safe?
You work directly with just Northway Bank - the bank you know and trust. As always, your confidential information remains protected.

[1] When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use ICS, our bank can use the full amount of a deposit placed through ICS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor's consent, our bank may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending.
Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and the IntraFi hexagon and IntraFi logo are service marks, of IntraFi Network LLC.