Advantage Checking

First Northern's Advantage Checking offers members the opportunity to earn interest on their checking account balance.  

Account features include:

  • Up to $25 annual ATM surcharge rebates for fees you may be charged at other institutions' ATMs
  • .25% rate discount on auto or closed-end home equity loans with direct deposit
  • Interest bearing account on average daily balance
  • Free mobile banking
  • Free mobile deposit
  • Free online banking
  • Free telephone banking (MAP)
  • Free unlimited online bill pay
  • Free checks for life*
  • Free Visa Debit Card with 24/7 fraud monitoring
  • Direct deposit
  • Over 71,000 surcharge-free ATMs
  • Over 5,000 shared branches and 2,000 self-service centers
  • Courtesy Pay overdraft protection
  • Overdraft Protection from Savings**
  • No maximum transaction fees
  • E-statements
  • NCUA insured

Requirements of the account:

  • Minimum of 10 signature-based debit transactions per month
  • $750 minimum average daily balance
  • Direct deposit


Fees:  Overdraft fee - $5.00 per occurrence (first one is free); Account inactivity - $9.00; Low signature-based transaction - $7.00; Fall below minimum balance - $7.00; No direct deposit - $9.00; NSF and Courtesy Pay - $29.00 per occurrence.  Please see First Northern's Fee Schedule for other possible charges.  
*Free checks are restricted to certain types of styles.  **One free Overdraft Protection from Savings per month.  


Checking Accounts

Preferred Checking

0.05% APY

Advantage Checking

1.00% APY on average daily balances of $7,500 or less;

0.01% APY on portions over $7,500

APY=Annual Percentage Yield.

Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY. Yields for all checking accounts (above) are declared quarterly by the Board of Directors. Dividends are paid retroactively and based on earnings for the period.  Yields for other deposit products are declared and paid monthly. Fees may reduce earnings. For CDs, a penalty may be imposed for withdrawals before maturity.