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

The following is a requirement of the account to earn dividends: 

  • $750 minimum average daily balance


The following are requirements of the account to avoid fees: 

  • Minimum of 10 signature-based debit transactions per month
  • Direct deposit
  • 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.

The interest rate and annual percentage yield may change at any time. Interest will be compounded every month. Interest will be credited to your account every month. Fees may reduce earnings.  If you close you account before interest is paid, you will not receive the accrued interest.