Earn solid returns and ATM fee refunds with this free checking account. Choice Rewards pays you dividends and up to $20 in ATM fee refunds. A minimum balance of $2,000 is required to begin earning dividends, but once you have reached the minimum you’re eligible to earn dividends on your total balance. No dividends are earned on balances less than $2,000.
Each monthly cycle, simply:
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.
|$0.00 to $15,000.00 (Min. to earn APY $2,000)||1.01%||1.01%|
|$15,000.01+||0.10% – 1.01%||0.10%|
Minimum to open account is $1. Rates may change after the account is opened. Fees may reduce earnings. No minimum balance to earn ATM fee refunds. Minimum balance of $2,000 required to earn 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.
*Average Daily balance must be at least $2,000 to earn dividends but will be compounded on full principal balance on deposit. 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.
NOTE: Our checking account qualifications and rewards will change as of Sunday, September 1, 2019. Please review our checking enhancement overview page and this chart to see the revised qualifications and rewards.
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.