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Personal Checking Account in NY

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

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

For more information on opening an account for personal checking in NY, contact us or give us a call today at 315.782.0155.

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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 Central and Northern New York! With Premium Rewards Checking, you earn Northern’s best dividends on your balance each month when you simply:

    • 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.

    Earn 3.05% APY on all balances up to $35,000!  If you don’t qualify during a cycle, don’t worry. You’ll still enjoy your personal checking account in NY at Northern Credit Union—without a monthly maintenance fee—you just won’t earn dividends for that month’s cycle.

    Balance* APY
    $0 to $10,000.00 3.05%
    $10,000.01 to $35,000.00 3.05%
    $35,000.01 to $50,000.00 .10%
    $50,000.01+ .10%

    Average Daily balance must be at least $10,000 to earn dividends but will be compounded on full principal balance on deposit. Because dividends are earned on your average daily balance you can earn rewards on as little as $.01 as long as your average daily balance during the month is $10,000. Fees incurred may reduce earnings on account. Limit one Premium Rewards checking account per person. These rates are blended for balances over $35,000. For example, if a member has $35,000 in checking they would receive dividends at the 3.05% APY rate on the first $35,000 in funds, and then dividends at the .10% rate on any balances over $35,000.00. Earn 3.05% APY on all balances up to $35,000. APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of February 2023.  Rates may change after the account is opened.

  • 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.  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.

  • NEXT Rewards eChecking

    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:

    • 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 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.