Checking Accounts

Value Now Checking: Free & convenient

• Everything you need in a checking account — with no minimum balance requirement and no monthly maintenance fee!¹ 
• Perfect for anyone, any age, including a young adult's first checking account!²

Open ONLINE

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​Advantage Checking: Highest interest, low balances

• Earn 1.00% APY* on all 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 amount³

Open ONLINE

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Preferred Checking: Earn interest on high balances

• Earn interest 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/month³

Open ONLINE

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All checking accounts come with:

• Visa® Debit Card can be used to access your funds anytime, anywhere, and can be issued on the spot at any FNCU branch
• Access to over 71,000 surcharge-free ATMs and 5,600 Shared Branches nationwide
• Free online banking, mobile app & telephone banking
• Online services like mobile check deposit, online bill payment and eStatements
• Zelle® (data rates may apply)
• 80 free checks (unlimited free checks with Advantage Checking). Order additional checks here.
• Federally insured by the National Credit Union Administration up to $250,000

HOW TO Switch TO FNCU