Preferred Checking

Members choosing our Preferred Checking program receive the benefits of a First Northern interest bearing account on balances $250 and above.  

Account features include:

The following are requirements of the account to avoid fees: 

  • Minimum Average Daily Balance of $250


  • Overdraft fee - $5.00 per occurence (first one is free)
  • Account inactive fee - $9.00
  • Fall below minimum balance fee - $7.00
  • NSF and Courtesy Pay Pay charge - $29.00 per occurrence.  
  • Please refer to 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.