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.