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Checking Accounts

First Northern checking accounts offer everything you need to manage your money — stress-free! 

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Offers all the great features of a First Northern checking account.  Plus, there is no minimum balance requirement and no monthly maintenance fee1!

Perfect for anyone of any age, including a young adult's first checking account (joint ownership for parent/legal guardian required if under age 18)

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1 Other fees and conditions may apply and may reduce earnings. See fee schedule for details.

The ideal option for members who maintain higher account balances and want to earn more for their money.

  • Earn 1.00% APY* on balances up to $7,500**
  • Pay no monthly maintenance fee1 with:
    • Minimum average daily balance of $750, and
    • 10+ signature-based Visa® Debit Card transactions per month, and
    • Direct deposit of any amount
  • Receive up to $25 annual ATM surcharge rebates for fees you may be charged at other institutions' ATMs with online bill payment and estatement enrollment
  • Get a 0.25% APR* rate discount on First Northern auto loans and fixed-rate Home Equity Loans with direct deposit of any amount2

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1 Other fees and conditions may apply and may reduce earnings. See fee schedule for details. 2 Some restrictions apply. Does not include discounts on promotional rates. 

Earn interest while getting all the benefits a First Northern checking account offers!

  • Earn dividends on balances of $250+
  • Pay no monthly maintenance fee with a minimum average daily balance of $2501
  • Get a 0.25% APR* rate discount on First Northern auto loans and fixed-rate Home Equity Loans with direct deposit of $500/month2

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1 Other fees and conditions may apply and may reduce earnings. See fee schedule for details. 2 Some restrictions apply. Does not include discounts on promotional rates. 

All First Northern checking accounts come with:

  • Free contactless Visa® Debit Card to use wherever Visa is accepted and issued on the spot at any branch!
  • Access to over 71,000 surcharge-free ATMs nationwide
  • Free online banking
  • Free mobile banking with free mobile check deposit (data rates may apply)
  • Free 24/7 telephone banking
  • Free unlimited online bill payment
  • Unlimited check writing privileges
  • Free direct deposit
  • Free secure eStatements
  • No maximum transaction fees
  • 80 free checks (unlimited free checks with Advantage Checking)
  • The security of knowing your funds are federally insured by the National Credit Union Administration up to $250,000.

We make it easy to switch to First Northern!

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Checking Accounts
Account Type APY*
Advantage Checking 1.00%**
Preferred Checking 0.05%***
Value Now Checking N/A

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*APY=Annual Percentage Yield. Rates subject to change. Dividends will be compounded and credited to your account monthly. If you close your account before dividends are paid, you will not receive accrued dividends.  Other fees and conditions may apply and may reduce earnings. See fee schedule for details. **1.00% APY on average daily balances of $7,500 or less; 0.01% APY on portions over $7,500. ***On average daily balances over $250