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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 Choice 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.
    • Make 10 signature-based debit card purchases of at least $5.
    • Receive a monthly eStatement.

     

    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 $25,000.99 2.26% 2.24%
    $25,001.00 to $50,000.99 1.26% – 2.26% 0.25%
    $50,001.00+ 0.10% – 1.26% 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 rewards. 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. Rate tiers are as follows: 2.26% APY applies to balances of $.01 – $25,000. 0.25% APY applies to balances between $25,000.01 – $49,999.99, yielding an APY of 1.26%-2.26%, if qualifications are met during the monthly qualification cycle. 0.10% APY applies to balances over $50,000, yielding an APY of 0.10%-1.26% if monthly qualifications are met.

  • Choice Rewards Checking

    Earn solid returns and ATM fee refunds with this free checking account. Choice Rewards pays you dividends on checking balances between $2,000 and $15,000 and up to $20 in ATM fee refunds. Each monthly cycle, simply:

    • Make 10 debit card purchases.
    • Make one automatic payment OR direct deposit.
    • Access Online Banking OR Mobile Banking at least once per cycle.
    • Receive your monthly eStatement.

     

    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
    $0.00 to $15,000.99 1.01% 1.01%
    $15,001.00+ 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 $2,000 – $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.

  • NEXT 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.

    • eChecking means no paper cuts.
    • Need cash? Receive up to five ATM fee refunds per month.
    • It’s all about the “e.” It’s bundled with your debit card, mobile banking, online banking and eStatements.

     

    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.

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