My Financial Health

Managing your financial life can feel overwhelming. Your credit score, identity protection, subscriptions, and personal information are often spread across multiple websites and services. That's why State Bank Northwest offers My Financial Health — a collection of tools designed to help you stay informed, protected, and in control, all from within your SBNW account at no cost.

What's included

My Credit Manager

View your credit score at no cost and track changes over time, right inside your account.

Calculated on the VantageScore® 3.0 model. Your VantageScore 3.0 indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different.

Identity Protect

We monitor the dark web for your personal information and alert you if it appears online, helping you take action quickly.

Available for an additional monthly fee. Ask us for details.

Personal Info Protection

See where data broker and people-search websites may be displaying your personal information and learn how to better protect your privacy.

Subscription Manager

View recurring subscriptions in one place, making it easier to identify services you no longer use and manage your monthly expenses.

How to get started

My Financial Health is included with your State Bank Northwest online and mobile banking
account.

1. Log in to online or mobile banking.
2. Open My Financial Health from your dashboard.
3. Review your credit score, alerts, subscriptions, and personal information exposures.
Not enrolled in online banking yet? Enroll at my.statebanknorthwest.com or visit any branch to
get started.

Your financial picture is waiting.

Whether you're monitoring your credit, protecting your identity, or keeping track of monthly subscriptions, My Financial Health gives you valuable tools to help you make informed financial decisions. Best of all, it's already part of your State Bank Northwest account at no cost.

IMPORTANT DISCLOSURES

VantageScore trademark. VantageScore is a registered trademark of VantageScore, LLC.

VantageScore® 3.0

VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.

There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.

There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender's score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.

Dark Web Monitoring

Dark Web monitoring consists of searching for up to 1 Social Security number, 10 driver's licenses, up to 10 credit and debit cards, up to 20 bank accounts, 10 passports, up to 10 phone numbers, up to 10 email addresses, up to 10 physical addresses, and 10 medical IDs. We partner with Constella Intelligence who searches thousands of internet sites where it is suspected that consumer's personal information is being bought and sold. Constella Intelligence regularly reviews and adds new sites to search; however, there is no guarantee that Constella Intelligence will be able to locate and search every possible internet site as some sites are not published and frequently change. Dark Web monitoring may take several days to begin.

Data Broker Sites Data Broker sites are sites that trade personal information for profit - names, addresses, phone numbers, social security numbers and more. As a result, consumers are at risk of identity theft, financial hacks, account takeovers, spam, robocalls, and physical threats including stalking, harassment and doxing. Please note that the list of Data Broker sites being scanned may change as we do not crawl all Data Broker sites