Not a member of Northern Credit Union? Join our family

If you aren't already a member, we welcome you to enjoy the benefits only a credit union can offer.

Checking:

Because like life, managing your money should be free and satisfying.

Everything you want in a service fee free checking account—and then some.

Find the Northern checking account to fit your life.

  • Premium Rewards Checking

    What’s better than a checking account with no monthly maintenance fees? One that pays the highest dividends in Northern New York! With Premium Choice Checking, you earn Northern’s best dividends on your balance, as long as within a monthly cycle, you:

    • Make one automatic payment or direct deposit.
    • Remain enrolled in Online Banking.
    • Have a Northern Credit Union debit card.
    • Receive a monthly eStatement.
    • Maintain an Average Daily Balance of $10,000 or more.

    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 dividends for that month’s cycle.

    Balance* APY Dividend Rate
    $0 to $35,000.00 2.01% 2.01%
    $35,000.01 to $50,000.00 1.48% – 2.01% 0.25%
    $50,000.01+ 0.10% – 1.48% 0.10%

    Rates accurate as of June 1, 2020. Minimum to open account is $1. Rates may change after the account is opened. Average Daily balance must be at least $10,000 to earn dividends but will be compounded on full principal balance on deposit. Fees incurred may reduce earnings on account. Limit one Premium rewards checking account per person.

    *APY = annual percentage yield. Rate tiers are as follows: 2.01% APY applies to balances of $.01 – $35,000. 0.25% APY applies to balances between $35,000.01 – $50,000.00, yielding an APY of 1.48%-2.01%, if qualifications are met during the monthly qualification cycle. 0.10% APY applies to balances over $50,000.01, yielding an APY of 0.10%-1.48% if monthly qualifications are met.

  • Choice Rewards Checking

    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:

    • Make one automatic payment OR direct deposit.
    • Have a Northern Credit Union debit card.
    • Be enrolled in Online Banking.
    • Receive your monthly eStatement.

    For ATM fee refunds and dividends, also:

    • Make at least $500 in debit card purchases.

    With Choice Rewards Checking you can change your reward each month to fit your needs and spending habits. Watch our How To video guide to learn how. 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 Dividend Rate
    $0.00 to $15,000.00 1.01% 1.01%
    $15,000.01 - $50,000.00 0.37% - 1.01% 0.37%
    $50,000.01+ 0.10% - 0.37% 0.10%

    Minimum to open account is $1. Rates may change after the account is opened. 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 $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. Rate tiers are as follows: 1.01% APY applies to balances of $0 – $15,000, if qualifications are met during the monthly qualification cycle. 0.10% APY -1.01% APY applies to balances over $15,000, if qualifications are met during the monthly qualification cycle. Rates accurate as of June 1, 2020.

  • NEXT Rewards eChecking

    The smartphone meets smart checking with Northern’s NEXT 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:

    • Make one automatic payment OR direct deposit.
    • Have a Northern Credit Union debit card.
    • Be enrolled in Online Banking.
    • Receive your monthly eStatement.

    In order to receive ATM fee refunds, also:

    • Make at least $500 in debit card purchases.

    eChecking is also the thing you need to get the rest of NEXT. In other words, get NEXT eChecking, then supersize your relationship with NEXT eSavings, a NEXT Auto Loan, Micro Line or Student Loan.

    Minimum to open account is $1. Rates may change after the account is opened. 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.

Link to LinkedIn Page Link to Facebook Page Link to Youtube Channel Link to Instagram Channel