[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-301186-105":3,"detail-sidebar-cat-1-en-105":80,"doc-detail-301186-en":126},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":73,"head_meta":75,"extra_data":77,"updated_unix":79},105,"en","penns-woods-personal-banking-conversion-guide-important-information-and-steps-for-the-conversion-to-northwest-bank","Penns Woods Personal Banking Conversion Guide - Important information and steps for the conversion to Northwest Bank","","Northwest Bank conversion guide for Penns Woods personal banking customers explains key account changes as Jersey Shore State Bank and Luzerne Bank become Northwest Bank. It covers effective dates in July 2025, guidance on when customers become Northwest Bank clients, and how account numbers, routing numbers, debit cards, and checks will work before and after conversion. It also references common questions and directs readers to personal banking sections, fee schedules, and account disclosures.",{"@graph":14,"@context":72},[15,34,55],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/letters/","Letters",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/penns-woods-personal-banking-conversion-guide-important-information-and-steps-for-the-conversion-to-northwest-bank/301186/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/penns-woods-personal-banking-conversion-guide-important-information-and-steps-for-the-conversion-to-northwest-bank/301186.png","ImageObject",442,249,{"name":42,"@type":43},"Mali","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-09-22","2026-09-19",true,{"@type":52,"interactionType":53,"userInteractionCount":22},"InteractionCounter",{"@type":54},"ViewAction",{"@type":56,"mainEntity":57},"FAQPage",[58,64,68],{"name":59,"@type":60,"acceptedAnswer":61},"When will I become a Northwest Bank customer?","Question",{"text":62,"@type":63},"Customers become Northwest Bank customers on Monday, July 28, 2025, when JSSB and Luzerne Bank branch locations also become Northwest Bank financial centers.","Answer",{"name":65,"@type":60,"acceptedAnswer":66},"Will my account number(s) and routing number change?",{"text":67,"@type":63},"In most cases, account numbers stay the same; a small number of customers receive new account numbers and are notified by mail. Routing numbers are honored for the transition, and the Northwest Bank routing number should be used for new checks or new direct deposit/automatic payment setup after conversion.",{"name":69,"@type":60,"acceptedAnswer":70},"Can I continue using my JSSB or Luzerne Bank debit card and checks during the transition?",{"text":71,"@type":63},"Customers begin receiving new debit cards the week of July 14 and can activate them immediately, but the Northwest Bank card does not work until Monday, July 28. JSSB or Luzerne Bank debit cards should be used through Sunday, July 27. Existing checks can continue to be used for checking, money market, and line of credit accounts.","https://schema.org",{"og:url":32,"og:type":74,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":76,"canonical":32},"index,follow",{"doc_id":78,"site_id":7},301186,1790043458,{"code":4,"msg":81,"data":82},"success",[83,88,93,98,103,108,113,117,122],{"id":84,"doc_module":22,"doc_module_name":25,"category_name":85,"show_sort_weight":86,"slug":87},11,"Presentations",90,"presentations",{"id":89,"doc_module":22,"doc_module_name":25,"category_name":90,"show_sort_weight":91,"slug":92},12,"Resumes",80,"resumes",{"id":94,"doc_module":22,"doc_module_name":25,"category_name":95,"show_sort_weight":96,"slug":97},14,"Invoices",70,"invoices",{"id":99,"doc_module":22,"doc_module_name":25,"category_name":100,"show_sort_weight":101,"slug":102},15,"Posters",60,"posters",{"id":104,"doc_module":22,"doc_module_name":25,"category_name":105,"show_sort_weight":106,"slug":107},16,"Social Media",50,"social-media",{"id":109,"doc_module":22,"doc_module_name":25,"category_name":110,"show_sort_weight":111,"slug":112},17,"Forms",40,"forms",{"id":114,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":115,"slug":116},18,30,"letters",{"id":118,"doc_module":22,"doc_module_name":25,"category_name":119,"show_sort_weight":120,"slug":121},21,"Paper Templates",5,"papers-templates",{"id":123,"doc_module":22,"doc_module_name":25,"category_name":124,"show_sort_weight":4,"slug":125},158,"General","general-158",{"code":4,"msg":81,"data":127},{"doc_id":78,"user_id":128,"nickname":42,"user_avatar":129,"doc_module":22,"category_id":114,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":22,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":135,"language":136,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":12,"update_tm":140,"read_time":99},2336475104362,"https://ap-avatar.wpscdn.com/avatar/22000c4c46a41b752dd?x-image-process=image/resize,m_fixed,w_180,h_180&k=1786595829695023868","WELCOME TO NORTHWEST.  \nImportant information and account changes as Jersey Shore State Bank and Luzerne Bank become Northwest Bank.  \nJersey Shore State Bank, Luzerne Bank and Northwest Bank are Member FDIC.    \n[2](2 1-877-672-5678 | northwest.com)[ 1-877-672-5678 | northwest.com](2 1-877-672-5678 | northwest.com)  \nWITH YOU EVERY STEP OF THE WAY.  \nWe look forward to welcoming you to Northwest Bank.  \nJSSB and Luzerne Bank are merging with and into Northwest Bank on July 25, 2025. We are very pleased to welcome you, along with the JSSB and Luzerne Bank employees and branch locations, to Northwest Bank when the conversion is completed on Monday, July 28, 2025.  \nAs a valued member of the Northwest Bank family, you will continue to receive the personal, high-quality service you have come to expect from JSSB and Luzerne Bank — with access to even more banking solutions, capabilities and expertise.  \nIn our new financial centers, you will be pleased to find the same friendly, knowledgeable JSSB and Luzerne Bank team members who have served you in the past.  \nOur JSSB, Luzerne Bank and Northwest Bank teams have been working together to plan a smooth transition for you.  \nTo walk you through the changes, we prepared this guide, which includes important information about the terms and features of your accounts and steps you need to take to ensure a seamless banking experience.  \nWe are here to help. If you have any questions, please call us at 1-877-672-5678, [weekdays from 8 a.m. to 8 p.m. and Saturdays from 9 a.m. to 1 p.m](weekdays from 8 a.m. to 8 p.m. and Saturdays from 9 a.m. to 1 p.m) .  \nWe appreciate your patience as we proceed through the conversion, and look forward to working with you in the future to earn your loyalty and trust.  \nSincerely,  \nLouis J. Torchio President and CEO  \nNorthwest Bank  \nRichard A. Grafmyre  \nChief Executive Officer  \nPenns Woods Bancorp, Inc.  \n[1-877-672-5678 | northwest.com](1-877-672-5678 | northwest.com)  \n3  \nYOUR GUIDE TO WHAT’S INSIDE  \nWe’re happy to welcome you to our growing family of customers. This guide is an important first step in our relationship. Please use this information as a reference during the conversion process. On the following pages, you’ll find details about how your accounts and services will transition to Northwest Bank. You’ll also discover many great new benefits as a Northwest Bank customer.  \nAnswers to Common Questions .................................................... 5  \nImportant Dates and Details ........................................................... 7  \nPersonal Banking .................................................................................. 8  \n• Account Features, Terms and Conditions..............................8  \n• Personal Checking FAQs........................................................... 13  \n• Money Market Accounts FAQs ............................................... 13  \n• Statement Savings FAQs ........................................................... 13  \n• CDs and IRAs FAQs .................................................................... 15  \n• Night Deposit................................................................................. 16  \n• Wire Transfers ................................................................................ 17  \n• Safe Deposit Boxes ...................................................................... 17  \n• Credit Cards ................................................................................... 18  \n• ATM Network ................................................................................ 18  \n• Debit Cards .................................................................................... 19  \n• Online and Mobile Banking and Bill Pay.............................. 20  \n• Mortgage, Home Equity, Personal and Auto Loans ........ 22  \nAccount Disclosures and Fee Schedules................................ 24  \nHave questions? Our dedicated team is here to make it easy. Ple","cbCaihE3b3UOfCho","https://ap.wps.com/l/cbCaihE3b3UOfCho","pdf",2968498,44,"English","# Answers to Common Questions\n## Account Information\n## Important Dates and Details\n# Personal Banking\n## Account Features, Terms and Conditions\n## Personal Checking FAQs\n## Money Market Accounts FAQs\n## Statement Savings FAQs\n## CDs and IRAs FAQs\n## Night Deposit\n## Wire Transfers\n## Safe Deposit Boxes\n## Credit Cards\n## ATM Network\n## Debit Cards\n## Online and Mobile Banking and Bill Pay\n## Mortgage, Home Equity, Personal and Auto Loans\n# Account Disclosures and Fee Schedules","[{\"question\":\"When will I become a Northwest Bank customer?\",\"answer\":\"Customers become Northwest Bank customers on Monday, July 28, 2025, when JSSB and Luzerne Bank branch locations also become Northwest Bank financial centers.\"},{\"question\":\"Will my account number(s) and routing number change?\",\"answer\":\"In most cases, account numbers stay the same; a small number of customers receive new account numbers and are notified by mail. Routing numbers are honored for the transition, and the Northwest Bank routing number should be used for new checks or new direct deposit/automatic payment setup after conversion.\"},{\"question\":\"Can I continue using my JSSB or Luzerne Bank debit card and checks during the transition?\",\"answer\":\"Customers begin receiving new debit cards the week of July 14 and can activate them immediately, but the Northwest Bank card does not work until Monday, July 28. JSSB or Luzerne Bank debit cards should be used through Sunday, July 27. Existing checks can continue to be used for checking, money market, and line of credit accounts.\"}]","Penns Woods Personal Banking Conversion Guide - Important information and steps for the conversion to Northwest Bank | PDF",1789779844]