Checking Choose from one of our three checking accounts. The chart below can help you decide which is right for you. All checking accounts feature: Free Online Banking MAP, a free telephone service allowing members 24-hour account access Direct Deposit Overdraft Protection Access to over 57,000 surcharge-free ATMs Access to over 3,000 Shared Branching locations worldwide Courtesy Pay Service (overdraft protection extended to members in good standing) Accounts federally insured by the NCUA for up to $250,000 per member Additional private share insurance of $250,000 through ESI No maximum transaction fees No monthly service charge Checking Accounts Preferred Checking 0.25% APY Advantage Checking 4.00% APY APY = Annual Percentage Yield *Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the dislosed APY. Federally insured by NCUA. Rates accurate as of: 7/12/10 Value Now Preferred Advantage Annual percentage yield 0% 0.25% on average daily balance 4.00% on avg. daily balance of $7,500 or less; 0.20% on portion over $7,500 Minimum balance requirement None $250 average daily balance $750 average daily balance Check writing privileges Unlimited Unlimited Unlimited Bill Pay payments (per month) 6 Unlimited Unlimited Free Checks 50 50 Free Checks Check (debit) card Yes Yes Yes Direct Deposit Yes Yes Yes Benefits package • Get .25% discount on auto or fixed-rate home equity loan rates with direct deposit • Get .25% discount on auto or fixed-rate home equity loan rates • Up to $25 annual ATM surcharge rebate (when you have Bill Pay and e-Statements) If you are a current checking account holder, and wish to change your account, click the image link on the left to access the application. Print it out, sign and send this form: by mail: First Northern Credit Union 230 W. Monroe Street, Suite 2850 Chicago, IL 60606 or fax: (312) 853-0588 – write "ATTN: Marketing" on the fax If you do not currently have a checking account with First Northern, please call a Financial Service Advisor today at (888) 328.8677 or fill out our online application by clicking here.