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eCS: The better way to manage your credit card

Learn how eCS and SpendTrack help you manage credit cards, track spending, and improve security in Digital Banking

As of March 1, 2025, we will no longer offer the following Visa credit cards: Northwest, Shared Secure, Northwest Rewards, and Northwest Platinum Rewards. This page relates to Visas that are no longer offered. If you have questions about credit cards obtained after March 1, 2025, please call us at (800) 258-3115.

Managing your credit card is essential to your financial health. Without proper management, you risk missing payments, damaging your credit score, disrupting your budget, and missing opportunities to save money. Thankfully, eCS makes it easier.

How eCS helps you manage your credit card

Payments:
On-time credit card payments are crucial—up to 30% of your credit score is based on payment history. With tools like automatic payments and eCS, you can ensure your card is paid on time, every time.

Account history:
Credit card statements are important, but eCS makes it easier to access and search for specific transactions. Need to confirm a purchase date or amount? Use eCS to find it quickly.

Card management:
eCS gives you more control over your card and its security. Submit travel plans, block misplaced cards, and more—all from your mobile app or online banking.

SpendTrack for business users

SpendTrack offers a streamlined way to manage credit card accounts online. While designed for business accounts, non-business users can also benefit from its features.

SpendTrack features

  • Full control of credit cards: Instantly turn your card off in case of fraud or while searching for a misplaced card. Make quick payments, set real-time balance alerts, and manage everything from one interactive screen.
  • Detailed transactions: SpendTrack categorizes your spending (bills, entertainment, groceries, etc.), making budgeting easier and helping you locate specific transactions.
  • AI-powered management system: Business owners can approve payrolls, schedules, and preauthorizations from their phone, streamlining employee management.

Consumers can also use many of these features, including detailed transaction tracking and payment tools.