Choose your reward – Cashback or ATM Fee Refunds and Dividends – with a free Choice Rewards Checking. Choice Rewards pays you $0.15 cashback for every debit card purchase (physical or digital) over $5, up to $15 per month, or dividends and up to $15 in ATM fee refunds. There are no minimum balance requirements to earn rewards, but members who choose ATM fee refunds and dividends must make at least $500 in debit card purchases each cycle.
Each monthly cycle, simply:
For ATM fee refunds and dividends, also:
With Choice Rewards Checking you can change your reward each month to fit your needs and spending habits. If you don’t qualify during a cycle, don’t worry. You’ll still enjoy checking—without a monthly maintenance fee—you just won’t earn rewards for that month’s cycle.
| Balance* | APY |
|---|---|
| $0.00 to $15,000.00 | 0.26% |
| $15,000.01 to $50,000.00 | 0.10% |
| $50,000.01+ | 0.10% |
Rates may change after the account is opened. Fees may reduce earnings. No minimum balance required to earn rewards. A minimum of $500 in debit card purchases must be made to earn ATM fee refunds, up to $15, and dividends. Qualifying transactions must post and clear to the account during the monthly qualification cycle which is 1 day prior to the last day of the month. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions. Fees incurred may reduce earnings on account.
*Minimum of $500 in debit card purchases must be made to earn ATM fee refunds, up to $15, and dividends.
APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of September 1, 2021.
The smartphone meets smart checking with Northern’s NEXT Rewards eChecking, the free account designed just for young adults. It’s convenient. It’s about easy access to your money—how you want it, when you want it. Choose between $0.10 cashback for every debit card purchase (physical or digital) over $5, up to $10 per month, or get ATM fee refunds, up to $10 per month. Plus, you can change your reward each month to fit your needs and spending habits.
Each monthly cycle, simply:
In order to receive ATM fee refunds, also:
eChecking is also the thing you need to get the rest of NEXT. In other words, get NEXT Rewards eChecking, then supersize your relationship with NEXT eSavings, a NEXT Auto Loan, Micro Line or Student Loan. Become a member to take advantage of these great benefits, getting started is easy, join now!
| BALANCE | APY |
|---|---|
| n/a | n/a |
Choose between $0.10 cashback for every debit card purchase (physical or digital) over $5, up to $10 per month, or get ATM fee refunds, up to $10 per month. Fees may reduce earnings. No minimum balance required to earn rewards. Minimum of $500 in debit card purchases must be made to earn ATM fee refunds, up to $10, and dividends. Qualifying transactions must post and clear to the account during the monthly qualification cycle which is 1 day prior to the last day of the month. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions. Fees incurred may reduce earnings on account. APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of December 2022.