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General Banking

Debit Cards

Credit Cards

Apple Pay

Mobile Deposit

Mobile Banking

Online Banking

Reward Checking

EMV Chip Card Technology

Loans

Questions And Answers

General Banking

What documents do I need to bring in to open an account?

All Customers
  • Valid Photo ID (non-expired driver's license, military ID, non-driver state ID card)
  • If current address does not match Photo ID: Address verification (e.g. utility bill)
  • Tax ID Number (SSN or EIN) physical card not required unless a minor
Additional Documents:
Trust Account
  • Trust's Tax ID Number
  • Copy of Trust
Corporation
  • Articles of Incorporation
  • Certification of Incorporation
Limited Liability Company (LLC)
  • Articles of Organization
  • Certificate of LLC
  • Operating Agreement
Partnership
  • Partnership Agreement
  • Certificate of Partnership
Organizations/Associations
  • Most recent Meeting Minutes showing who the officers are

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How do I check my Care-free Card or account balance?

Use NVB Online Banking to check your accounts and Care-free Card balances. Log In to Online Banking (or enroll) while on any page of the website.
  • The homepage (nvb.com) displays a box for you to Log In or Enroll Now.
  • All other pages of the website contain a link at the top of the page

 

By changing the dropdown from "NVB Online Banking" to another selection, you'll also be able to use these log in areas to check your:
  • NVB Credit Card
  • NVB Investments with LPL
  • NVB Business Services such as Cash Management, Online Deposit, Business Bill Pay, and more

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How much does it cost to stop payment on a check?

The cost to stop payment on a check is $25 per stop. Stop payments are valid for 6 months. You may request a stop payment by contacting our Customer Support Center or stopping by any Branch.

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Why should I use the secure message portal?

Unencrypted emails can be intercepted and read by parties other than the intended recipient. The secure message portal uses encryption to safely transmit your email to Nodaway Valley Bank, protecting the message completely.

You may attach up to 10 files to your email. The total size of all attachments must be less than 15 MB. To send more than 15 MB, simply compose a 2nd message.

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How do I send a secure email?

Our secure email portal is currently unavailable. During this time, please send sensitive information by fax, mail, or by dropping it off at any Nodaway Valley Bank location. We apologize for the inconvenience.

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Does NVB sell gift cards?

Yes. Purchase a Visa Gift Card at any of our branch locations. These gift cards can be used anywhere nationwide that accepts Visa Debit Cards. Use it online, in person, by phone or at the ATM. The card can also be replaced if lost or stolen. See our fee schedule for the cost to purchase a gift card. *Fee waived during Nov 1-Dec 31.

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Can I purchase a reloadable card?

We no longer offer Visa Reloadable Cards. For one-time loadable cards, consider purchasing a Visa Gift Card from any of our branch locations. For business use, we also offer employee debit cards and credit cards with preset spending limits.

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What is the routing number?

The routing number for Nodaway Valley Bank is 101201863.

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Debit Cards

How do I report a lost or stolen Debit Card?

It is important to notify the bank immediately upon noticing your card is lost/stolen. To notify the Bank after hours, contact 1-800-554-8969. During banking hours, contact our Customer Support Center or visit any Nodaway Valley Bank branch

A new card may be picked up immediately at any Nodaway Valley Bank branch or you may request the new card be mailed by calling our Customer Support Center.

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Do I need to notify the bank that I am traveling?

Yes, fraud prevention tools are in place which could impact your ability to use your card. If you are going to be traveling to a different state or country, it is very important that you notify the bank prior to leaving and update your contact information in case issues arise with a card purchase. If you forget to notify the bank prior to leaving, simply contact our Customer Support Center during your travel.

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Do I need to notify the bank that my Debit Card is about to expire?

No. A new debit card will be automatically ordered at the beginning of the expiration month. It will be sent through the mail and should be received before the month's end. Your card will be valid through the end of the expiration month. It is important to watch your mail closely during the expiration month - your new card will be mailed in a generic envelope that does not list the bank's name and may be confused with junk mail.

If you have not received your new card by the end of the expiration month, please notify our Customer Support Center.

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How do I get a new Debit Card or PIN?

You may visit any Nodaway Valley Bank branch to pick up a new debit card or create a new PIN.  If you can't visit a branch, simply contact our Customer Support Center for a new card or PIN to be mailed to you. Replacement card fees may apply.

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Can I choose my own PIN?

Yes. You can select your own PIN by bringing your debit card to any Nodaway Valley Bank branch.

If you cannot visit a branch, contact our Customer Support Center for a PIN to be mailed to you. This mailer will contain a reference number and toll free number which can be used to change your PIN by phone within 30 days of receiving the mailer. Your assigned PIN will arrive in a generic looking mailing that does not list the bank's name and may be confused with junk mail.

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When will I receive my new Debit Card?

If your card is expiring this month, a new card will be automatically ordered at the beginning of the expiration month. It will be sent through the mail and should be received before the month ends. If you do not receive your new card by the end of the expiration month, please notify the bank.

New cards may be requested and picked up the same day by visiting any Nodaway Valley Bank location.

If a new card is being mailed, it takes approximately 7-10 days to arrive. When expecting a new card, watch your mail very closely, your card will arrive in a generic looking envelope that does not list the bank's name and may be confused with junk mail.

 

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How does a Debit Card work?

Using an NVB Debit Card is similar to making purchases with cash or check, only it's safer and more convenient. When you use your Debit Card funds are automatically debited from your NVB Checking Account, usually within one to four days. These transactions will appear on your account statement for easy record keeping and budgeting.

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Should I choose debit or credit?

When you swipe your debit card, you may be asked to specify "debit" or "credit". Regardless of your choice, funds will be automatically deducted from your NVB checking account. Running your card as a "debit" will require you to enter your PIN (Personal Identification Number). Running your card as a "credit" may require you to sign for your purchase.

"Debit" (PIN) transactions are treated as cash. To protect your privacy and liability, limit the use of your PIN to cash-back and ATM transactions. "Credit" (signature) transactions insure additional fraud and dispute protection through the MasterCard system. If your card is lost or stolen, there is 0% liability for credit (signature) transactions. Whenever possible, always request "credit" for making purchases. Ask your cashier for help running your card as a credit if you are automatically prompted for a PIN when making a purchase.

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Where can I use my Debit Card?

Your NVB Debit Card can be used anywhere worldwide that accepts MasterCard debit*. Use your card for purchases in store,  online, by phone, or at the gas pump. Access cash by requesting cash back with your purchases in store or at any ATM displaying the MasterCard, Pulse or Exchange symbols.

*Make sure to notify the bank if you are going to be traveling to a different state or country. Fraud prevention tools are in place which could impact your ability to use your card if the bank is not notified prior to your travels.

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How is an NVB Debit Card different from a Credit Card?

Debit card purchases and withdrawals are automatically deducted from your NVB checking account. These transactions will show on your account statement and online banking for easy record keeping. It works similarly to carry cash or writing a check but is safer and more convenient.

Credit card purchases accumulate on a monthly bill, deferring payment until the bill comes due. If the bill is not paid in full, your balance will be charged interest and added to your card balance. When used responsibly, credit cards are a great way to establish and build your credit. Plus, when using a credit card with rewards, you'll earn reward points for your purchases that can be redeemed for cash, merchandise, travel, and more!

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May I request more than one Debit Card for the same account?

Each account owner or signer is allowed to have one card per account.

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Are there any fees for using an NVB Debit Card?

There are no debit card fees for making purchases with your card, getting cash back with a purchase, or when using an NVB ATM. However, fees will be assessed when a card is used at a non-NVB ATM*. 

List of NVB Fees: 

     $1.50 for withdrawals at a non-NVB ATM 
     $1.50 for balance inquiry at a non-NVB ATM
     $1.00 for a denied transaction at a non-NVB ATM
     $7.50 for a replacement card   
 
*Interested in free ATM transactions nationwide? Check out or FREE Reward Checking account!

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What is my daily limit?

The daily limit can vary based on transactions that are pending on your debit card. Even transactions that you did on a previous day could still be pending and impact your limit. If you're concerned about surpassing your daily limit, it's best to call our Customer Support Center for assistance.

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Credit Cards

Can I apply for a credit card online?

Yes, you can easily apply for an NVB Credit Card online by clicking here or visiting our credit card webpage and clicking the "Apply Now" button. 

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How do I access my credit card statement online?

Easily access your credit card statements, view recent activity, pay your bill, and redeem reward points all by logging in to "NVB Credit Cards". You can find this login in multiple areas of the website:
  1. On the homepage login area next to the main advertisement images. Click on the drop down arrow next to "NVB Online" and select "NVB Credit Cards". Click "Go" and you can setup your online credit card account or log in to an existing account.
  2. Single click on "Online" in the header of any page. This will open a login box with a drop down arrow next to "NVB Online". Click the arrow and select "NVB Credit Cards". Click "Go" and you can setup your online credit card account or log in to an existing account.
  3. Go to any of our credit card product pages on the website. At the bottom of the "Features" area, click on the "Log In" button and you will be taken to the Credit Card login area where you can setup your online credit card account or log in to an existing account.
  4. If you are already logged into your NVB Online Banking account, you can click on "NVB Visa Credit Card" at any the bottom of the page.

 

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Does the bank need to know when I am travelling?

Yes, fraud prevention tools are in place which could impact your ability to use your card. If you are going to be traveling to a different state or country, it is very important that you notify the bank prior to leaving and update your contact information in case issues arise with a card purchase. If you forget to notify the bank prior to leaving, simply contact our Customer Support Center or 24-hr service line (800-558-3424) during your travel. 

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Apple Pay

What is Apple Pay and how does it work?

Apple Pay is Apple's new, innovative payment technology that adds convenience and security to your payment methods. It offers swipe-free payment so your card never leaves your hands. Plus it never reveals your card number to the merchant, whether pay online or in-person.


When your card is added to your device, a unique Device Account Number is assigned, encrypted and securely stored instead of your actual card number. When you make a purchase, instead of using your card number, Apple Pay uses the Device Account Number along with a transaction-specific dynamic security code to process your payment. For more great information, visit apple.com/apple-pay.

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Can I use my Nodaway Valley Bank card with Apple Pay?

Your Nodaway Valley Bank credit cards (Visa and American Express) cards can be used with Apple Pay. This include Business credit cards.

Your Nodaway Valley Bank debit cards (MasterCard) can also be used with Apple Pay. This includes custom photo debit cards, the Care-free Card, and Business Debit Cards.

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Which devices are eligible for Apple Pay?

Check apple.com/apple-pay for the most up-to-date list of eligible devices which include the following:
  • iPhone 6s
  • iPhone 6s Plus
  • iPhone 6
  • iPhone 6 Plus
  • iPad Pro
  • iPad Air 2
  • iPad mini 4
  • iPad mini 3
  • Apple Watch (paired with the above iPhones or iPhone 5, iPhone 5c, iPhone 5s)

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How do I add my card to Apple Pay?

Devices eligible for Apple Pay can go into "Settings", "open Passbook & Apply Pay" and select "Add Credit or Debit Card." On iPhone, you can also open the Passbook app to add a card.

When adding your card, you can choose to add the card you already have on file with iTunes® or add new cards by manually entering your card information or taking a picture of your card.

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Where can I use Apple Pay?

Visit apple.com/apple-pay for a recent list of merchants where payments are accepted.

You can use Apple Pay to make payments in stores wherever contactless payments are accepted. Just look for the contactless and/or Apple Pay symbol at checkout.

apple_pay_symbols

You can also use Apple Pay in participating merchant apps. Look for the “Buy with Apple Pay” or “Apple Pay” button at checkout within the apps.

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How do I use Apple Pay at the register?

Once your card has been added, you can hold your device near the contactless reader. Then, place your finger on “Touch IDTM” and hold the iPhone near the reader until you see “Done” and a checkmark on your screen which indicates that your payment is complete.

If “Touch ID” doesn’t work, or you do not have it enabled, you will need to enter your device passcode.

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How do I use Apple Pay within an app?

On your card is added to your device, look for the “Apple Pay” button at checkout. Simply tap the “Apple Pay” button and review your payment information and contact details to complete your purchase.

You will see “Done” and a checkmark on the screen when your payment is complete.

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Mobile Deposit

Where is my deposit?

Deposits made before 4:00 p.m. are posted on today's business. Deposits made after 4:00 p.m. or on a day the bank is closed, will be posted on the next business day. To check on the status, log in to your NVB Mobile App and click on Deposits. From there you will click on Deposit History.

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What do I do if I submitted a deposit for the wrong amount?

If you entered the wrong amount for the deposit, the bank will correct this when reviewing the deposit. Do not re-deposit the check without authorization from the bank.

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Can I immediately use the money deposited?

Although deposits made before 4:00 p.m. on business days will be posted same day, it may not be processed immediately. Therefore, if you need immediate access to fund, it would be best to visit a branch or drive-thru to deposit the check with a teller.

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Mobile Banking

Why should I use NVB Mobile?

NVB Mobile provides you with real-time convenience that cannot be matched by any other service. You will be able to access you account information, transfer money between accounts and find the nearest branch/ATM location, all from the palm of your hand. Situations where it can really come in handy:
  • When you're getting ready to buy a new tv, play it safe & quickly check your account balance to make sure you have enough money before you purchase it.
  • When you're at the checkout and realize your groceries cost more than you expected, transfer money between accounts to avoid costly overdraft fees.
  • When you're sitting in the waiting room, get in tune with your spending habits by reviewing your transaction history.
  • Going out this Friday night and realize you need some cash? Find our nearest ATM.

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Is there any cost for NVB Mobile?

NVB does not charge a fee for accessing your accounts in NVB Mobile Banking. Some features of NVB Mobile Banking may incur a fee - fees will be disclosed when these features are used.

 *Message and data rates may apply - check with your mobile carrier for information about their fees.

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I never received an Activation Code - what now?

If you have requested an Activation Code more than once and never received the code, please contact your service provider and ask them to allow Short Code Messages as a part of your Texting Plan. The Short Code for NVB Mobile is 96924. Once this is enabled, you will need to request the Activation Code again from your Online Banking account.

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Is Mobile Banking safe?

Yes, your smart phone (such as an iPhone, Android and Blackberry) have a very controlled and secure operating system. Additionally NVB Mobile uses the same secure features as Online Banking:
  • 128 bit SSL encryption, which basically encrypts and protects any transmission of data including customer account information
  • Firewalls, which protect against unauthorized or malicious intrusion
  • Username, Passwords, & Security Q&A authentication are required to access you accounts. Your NVB Mobile account will be locked after multiple invalid attempts to prevent unauthorized access.

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What if my phone gets lost or stolen?

You can disable your phone's access to NVB Mobile at any time from within Online Banking. You can also contact our Customer Support Center to have your phone disabled from NVB Mobile. Regardless of what you do, rest assured that your mobile banking access will remain safe and secure!
  • No personal information from your Mobile Banking account is ever stored on the phone.
  • Your password is never stored.
  • Your login session automatically times out in less than 10 minutes of inactivity.

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I already have Online Banking, why would I want Mobile Banking?

Convenience is the main benefit of NVB Mobile. Do you ever leave home without your mobile phone? How often do you carry a computer with you while grocery shopping? Plus, NVB Mobile offers access to your accounts without needing an internet connection.

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Why do I need Online Banking to use Mobile Banking?

Online Banking provides you with a robust suite of account management - balance & transaction information, transferring money, bill payment, access to view/print statements, and more! Mobile Banking accesses only the basic capabilities: balance & transactions, transfer money, and find a branch/ATM location. Additionally, the Mobile Banking enrollment, login credentials, and security authentication all occur within your Online Banking account.

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What are the Text Commands for NVB Mobile?

Send messages to: 96924
BAL = Current Account Balances
HIST + Texting Nickname = Transaction History
ATM + Zip Code = Nearby ATMs
BRANCH + Zip Code = Nearby Branches
HELP = List of Valid Commands & Contact Information
STOP = Cancel NVB Mobile Texting service

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Do I need a special phone to use NVB Mobile?

No special phone required! NVB Mobile will work with virtually any phone.
  • You can use NVB Mobile Text if your phone allows text messaging
  • You can use NVB Mobile Browser if your phone can browser the Internet
  • You can download our free app if you have an iPhone or Android

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Can I use NVB Mobile on my iPad or tablet?

Currently NVB Mobile requires a phone number for activation. This means that it will not work on an iPad or tablet. We will notify all customers when this capability is available.

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What do I do if I get locked out of NVB Mobile?

Contact our Customer Support Center during business hours to have your access unlocked.

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How do I log off of the Android app?

The "Log Off" option will appear when you push your phone's "Menu" button. Closing the app will also automatically log you off.

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How do I change the password in the app?

If you forgot your password, click here to have it reset. You will need to change your password on the computer or on you mobile web browser. Once it is reset, you will be able to log in to the app with your new password.

If you know your password and simply want to change it, click here to log in to the web browser version of online banking. Once logged in, you can select "User Options" and change you password. Once your password is change in Online Banking, you'll be able to log into your Mobile Banking app with the new password.

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Online Banking

What is the difference between an Express & Scheduled Transfer?

After submitting an express transfer, it will show immediately on your online banking and is a ONE TIME transfer.

A scheduled transfer can be scheduled in advance and can be recurring. This type of transfer will not show on your online banking until after the system updates at night. For example, if you create a scheduled transfer for Tuesday, it will not show on your online banking until late Tuesday night and will post for Tuesday's business.

Both types of transfers must be submitted by 6:00 p.m. CST for it to be processed on the same business day. Transfer submitted after 6:00 p.m. CST will be posted on the next business day (or on the scheduled transfer date if it is a future-dated transfer).

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How do I get a bank statement if I am enrolled for paperless statements?

You can access up to 18 months of statements using NVB Online Banking. Online Banking contains an electronic copy of the exact statement you would have received in the mail.

You can access your statements by logging in to your online banking account and selecting the account number you wish to view. From this screen, look for the menu button entitled "Statement". Select the document type you wish to view and adjust the Date Range if desired. Then click "Submit". You may then click on the hyperlink of the Statement you wish to view or click on the Save icon.

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Why am I having problems opening my statement online?

NVB Online Banking requires Adobe Acrobat to view statements online. If you do not have Adobe, or have an outdated version, visit adobe.com for a free download of Adobe Reader. If you continue to have problems after downloading the newest version of Adobe Reader, please contact our Customer Support Center.

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How do I export transactions from my online banking?

You have access to 18 months of transactions that can be exported into Quicken, Quickbooks, Microsoft Money, or Excel.
  1. Log into online banking 
  2. Click on the account you wish to view
  3. Under the Transactions menu, select All Transactions
  4. A popup box will appear with the heading “Transaction Activity”. On the bottom left side of the Transaction Activity box (above “Pending Activity”), you will see a hyperlink for Export Transactions, click on this link
  5. Select the date you wish to export, or select Custom and enter a specific date range
  6. Select the Export Format
  7. Checkmark the account(s) you wish to export transactions from
  8. Click Export
  9. Once the Export Status shows 100%, click Download Export
  10. Choose whether to open the file or save it to your computer

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Can I set up alerts on my account?

Yes. Alerts can be setup to send an email or text message when certain activity occurs on your account. A few examples are alerts when a deposit is received, debit card transactions post, your account balance falls below a certain dollar amount, a loan payment is due, and more.

To see the full list of available alerts or to setup an alert:
  1. Log into your online banking
  2. Click on "Alerts"
  3. Select the account type you wish to receive an alert
  4. Click "Setup New Alert" 
  5. Select the appropriate alert from the drop down menu & follow the page prompts

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How do I enroll in NVB Bill Pay?

To enroll in NVB Bill Pay, you will first need to log into you Online Banking account. Once logged in, click on the menu option "Pay Bills". You will be prompted to enter a User Name and Password (this needs to be the exact same as your Online Banking Access ID and password). Follow the prompts to complete enrollment.

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I can't get logged in!

If you've forgotten your password, please click here to reset your password.
If you believe your password is correct but cannot log in, you may be locked out for unsuccessful attempts. Click to call or chat with us to have your access unlocked immediately.

Note: This is a different login than used for opening your account online. Click here to setup your online banking access.

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How do I change my Online Banking password?

If you know your password and simply want to change it, log in to you Online Banking account and select "User Options". You will be able to change your password there.

If you forgot your password, click here to have your password reset.

Please note that if you're using the Mobile App, you will need to log in to your Online Banking on the website to change your password. At this time, passwords cannot be changed within the App.

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How do I setup Online Banking for a committee, organization, or business entity?

Online Banking must be set up in an individual's name (an owner or signer on the account). This is to ensure that only an authorized person is gaining access to account information. It also grants the bank the ability to reset passwords and unlock online access if the user gets locked out. Setup is easy and done completely online, it can also be easily deleted by the bank if yours is an entity in which signers rotate on/off the account.

If an entity wishes to grant online access to a person who is not an owner or signer on the account (such as a bookkeeper or accountant), there is an Authorized Internet User form that can be completed by an account owner or signer to grant this access. Please contact the bank to get this process started.

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Reward Checking

When do I have to have my debit card and ACH transactions completed?

Our Reward Checking Qualification Calendar shows a monthly list of the cycle end dates for the year. Qualifying debit card purchases* and ACH transactions must post and clear by the night before the qualification cycle ends. Transactions that post on the day the qualification cycle end will be counted towards the next qualification cycle.

*Qualifying debit card purchases are for purchases only. ATM-processed transactions and refunds do not count towards qualifying debit card purchases.
 

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How are the tiered interest rates calculated?

If all three requirements are met, the first $25,000 earns the highest bonus interest rate, while all balances over that amount earn the lower bonus interest rate. If the requirements are not met, the account functions as a free checking account, earning the base interest rate. The base and bonus rates may change at the bank's discretion - view our current rates.

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How are ATM refunds obtained?

If all three requirements are met, all transaction surcharge fees within the United States will be automatically refunded up to $25 per statement cycle. ATM transactions made outside the United States will only receive refunds on fees charged by NVB.

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Will failing to meet the requirements during one qualification cycle prohibit qualifying for rewards in subsequent months?

No, each qualification cycle represents a new qualification period. Excess transactions cannot be "carried forward".

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Do I have to look at my statement online in order to meet the qualifications?

No, as long as you maintain an active online banking account you do not have to view your online statements. In order to keep your online banking active, you must successfully log in to your online banking at least once every 6 months.

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Can I open a Reward Checking account if I do not own a computer?

Yes, as long as you have a valid email account and are able log in to your online banking account at least once every 6 months. Public libraries provide internet access or you may use the computer of a trusted friend or relative. If you do not have a valid email account, a free email account may be set up through a service provider such as Yahoo or AOL.

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If I already have an NVB checking account, do I have to open a new account to have a Reward Checking account?

No, with your signed authorization we can change your existing account type to a FREE Reward Checking account. You may continue using your existing account number, checkbook, and debit card. When your account type is changed, your statement cycle may change.

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May a customer have more than one Reward Checking account?

Yes, there is no limit on how many Reward Checking accounts a customer may open. However, each account has its own set of requirements that must be met to earn the bonus interest rate and ATM refunds. If the 3 requirements are not met for any account, that particular account will not earn the bonus interest rate or ATM refunds for that qualification cycle.

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EMV Chip Card Technology

What is a chip card?

Chips cards (also known as EMV cards) are credit and debit cards embedded with a microprocessor chip in the front of the card. The chip provides an added layer of security when used in person at a chip-enabled terminal.

Note: The chip technology does not work if you swipe your card's magnetic strip, provide the cashier with your card number, pay online, or pay by phone.

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Do all retailers accept chip cards?

Not all retailers have chip card readers. To ensure you can use your chip card at any retailer, it will continue to have a magnetic stripe on the back of the card. If the retailer is not chip-enabled, you will simply swipe your card using the magnetic stripe.

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How do I pay at a chip-enabled terminal?

If you have a chip card, you will insert your card at the top or bottom of the terminal and follow the on-screen prompts.

If you do not have a chip card, you will swipe the magnetic stripe on the back of your card.

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Will my Nodaway Valley Bank card use chip technology?

Nodaway Valley Bank credit cards (Visa and American Express) will have chips. If your credit card does not currently have a chip, you will receive a new card upon expiration of your existing card.

Nodaway Valley Bank debit cards (MasterCard) will not have chips at this time because it does not improve the payment process for you, the cardholder. Nor does the chip impact your liability for fraud.

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Will the chip prevent fraud?

Chip technology provides an added layer of security that helps reduce the chance of fraud when used in person at a chip-enabled terminal. It does not have an effect on fraud resulting from the card being used online, by phone, or at a terminal that is not chip-enabled.

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What happens if I have fraud on my card?

Whether your card is chip enabled or not, you have $0 liability for fraudulent charges made with your Nodaway Valley Bank credit or debit cards when lost or stolen cards are reported promptly.

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Loans

How do I apply for a home loan?

Complete the Residential Loan Packet and return along with the following supporting document:
  • Copies of most recent TWO paystubs for EACH borrower
  • Copies of W2 forms for the previous 2 years of EACH borrower
  • Copies of last 2 years complete Personal and Business Federal Income Tax returns (if applicable) with all schedules included, YTD P&L Statement and Balance Sheet.
  • Proof of additional income (Awards letters, lease agreements, etc.)
  • Copies of bank/asset statements for the previous 2 months, and a copy of most recent 401k statement, or any additional investment accounts.
  • Provide a copy of each borrower’s Driver’s License or state issued picture ID.
  • Copy of signed “Contract to Purchase” with a copy of earnest money check
  • Copy of signed sales contract when current home is being sold. HUD settlement statement when available.
  • Complete copy of all divorce decrees and/or separation agreements along with all amendments.
  • Bankruptcy Petition decree, schedule of creditors, and discharge of bankruptcy with letter of explanation.

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Can I get a student loan through NVB?

No, we currently do not offer student loans.

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