Checking Accounts

Which is the best option for you?
Value Now Checking	No minimum balance requirement and no monthly maintenance fee¹
Preferred Checking	No monthly maintenance fee with a minimum average daily balance of $250¹ Earn dividends on balances of $250+ Get a 0.25% APR* rate discount on First Northern auto loans and fixed-rate Home Equity Loans with direct deposit of $500/month²
Advantage Checking	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 Earn 1.00% APY* on balances up to $7,500** Get a 0.25% APR* rate discount on First Northern auto loans and fixed-rate Home Equity Loans with direct deposit of any amount² 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
CreditSense Checking	Great for building or rebuilding credit Includes a Visa® Debit Card with a low annual fee³ Maintain a low average daily balance of $100³ to get started!

All First Northern checking accounts come with:

Contactless Visa® Debit Card use wherever Visa is accepted and issued on the spot at any branch!
Access to over 71,000 surcharge-free ATMs nationwide
Free online banking
Free mobile banking with free mobile check deposit (data rates may apply)
Free 24/7 telephone banking
Free unlimited online bill payment
Unlimited check writing privileges
Free direct deposit
Free secure eStatements
No maximum transaction fees
80 free checks (unlimited free checks with Advantage Checking)
The security of knowing your funds are federally insured by the National Credit Union Administration up to $250,000.

1 Other fees and conditions may apply and may reduce earnings. See fee schedule for details. 2 Some restrictions apply. Does not include discounts on promotional rates. 3 See Truth-In-Savings disclosure and fee schedule for additional information.

First Northern checking accounts offer everything you need to manage your money — stress-free!

Compare Checking Accounts

Offers all the great features of a First Northern checking account. Plus, there is no minimum balance requirement and no monthly maintenance fee¹!

Perfect for anyone of any age, including a young adult's first checking account (joint ownership for parent/legal guardian required if under age 18)

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1 Other fees and conditions may apply and may reduce earnings. See fee schedule for details.

The ideal option for members who maintain higher account balances and want to earn more for their money.

Earn 1.00% APY* on 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 amount²

Open NOW

1 Other fees and conditions may apply and may reduce earnings. See fee schedule for details. 2 Some restrictions apply. Does not include discounts on promotional rates.

Earn dividends while getting all the benefits a First Northern checking account offers!

Earn dividends 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/month²

Open NOW

1 Other fees and conditions may apply and may reduce earnings. See fee schedule for details. 2 Some restrictions apply. Does not include discounts on promotional rates.

If you are rebuilding credit or building credit for the first time, it may be hard to get approved for a checking account. First Northern's CreditSense Checking comes with all the great features of a standard checking account, including a Visa® Debit Card with a low annual fee* for easy access to your checking account funds. Simply maintain an average daily balance of $100* to get started!

*Other fees and conditions may apply and may reduce earnings. See fee schedule for additional information.

All First Northern checking accounts come with:

Contactless Visa® Debit Card to use wherever Visa is accepted and issued on the spot at any branch!
Access to over 71,000 surcharge-free ATMs nationwide
Free online banking
Free mobile banking with free mobile check deposit (data rates may apply)
Free 24/7 telephone banking
Free unlimited online bill payment
Unlimited check writing privileges
Free direct deposit
Free secure eStatements
No maximum transaction fees
80 free checks (unlimited free checks with Advantage Checking)
The security of knowing your funds are federally insured by the National Credit Union Administration up to $250,000.

We make it easy to switch to First Northern!

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Checking Accounts
Account Type	APY*
Advantage Checking	1.00%**
Preferred Checking	0.05%***
Value Now Checking	N/A
CreditSense Checking (contact us to open)	N/A

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*APY=Annual Percentage Yield. Rates subject to change. Dividends will be compounded and credited to your account monthly. If you close your account before dividends are paid, you will not receive accrued dividends. Other fees and conditions may apply and may reduce earnings. See fee schedule for details. **1.00% APY on average daily balances of $7,500 or less; 0.01% APY on portions over $7,500. ***On average daily balances over $250