Personal Deposit Accounts
Accounts that work for you
Banking with us is easy and personal. That’s been the Northern Bank approach for more than 50 years. It’s partly why we were recently ranked the #1 Community Bank in America. Simplify your banking with Northern.
PERSONAL BANKING
Checking Accounts
Student Checking
Starter account for students1
- Unlimited checking transactions
- 24/7 online & mobile banking
- Online & mobile bill pay
- Mobile-wallet ready, chip debit cards
- $0 monthly service charge
- Up to 5 non-Northern ATM withdrawals with no transaction fee and surcharge reimbursement per statement period6
Free Checking
Simple, easy checking
- Unlimited checking transactions
- 24/7 online & mobile banking
- Online & mobile bill pay
- Mobile-wallet ready, chip debit cards
- $0 monthly service charge
Plus Checking
Still easy & simple, with interest
- Unlimited checking transactions
- 24/7 online & mobile banking
- Online & mobile bill pay
- Mobile-wallet ready, chip debit cards
- $102 monthly service charge
- Competitive Interest Rates
- Up to 5 non-Northern ATM withdrawals with no transaction fee per statement period5
Premium Checking
Our best - with interest
- Unlimited checking transactions AND Unlimited basic checks for the life of the account
- 24/7 online & mobile banking
- Online & mobile bill pay
- Mobile-wallet ready, chip debit cards
- $203 monthly service charge
- Competitive Interest Rates
- Unlimited4 non-Northern ATM withdrawals
1For students ages 14-23. Students ages 14-17 must open an account with a parent or legal guardian.
2Service charge waived: with monthly direct deposit, or if minimum daily balance is $2,500.00 and over or with 10 or more debit card purchase transactions (ATM withdrawals not included).
3A monthly service charge of $20.00 will be imposed if the combined daily balance of the deposit accounts for which you are a primary or secondary owner of falls below $10,000.00 any day of the statement period. In addition the monthly service charge of $20.00 can be waived if you are a business owner and have a business deposit relationship with us or if you have an active residential mortgage with us.
4Northern Bank will not charge a transaction fee for using other Banks’ ATMs. Northern Bank will also reimburse any surcharges imposed by those Banks.
5When a transaction is initiated at a non-Northern Bank ATM, a surcharge may be assessed by the owner or operator of the ATM, or by an automated transfer network.
6When a transaction is initiated at a non-Northern Bank ATM, a surcharge may be assessed by the owner or operator of the ATM, or by an automated transfer network. Up to 5 surcharges will be reimbursed at the end of the account's statement period.
Account opening subject to approval
Savings & Money Market Accounts
Health Savings
Account
Save pre-tax dollars for health and medical expenses1
- Competitive Rates
- No monthly service charge
- No minimum balance to maintain the account
Northern
True Savings
Competitive interest, low minimum balance
- Competitive Rates
- $10 monthly service charge
- Waive monthly service charge with $500 minimum daily balance 2
Money Market Investment
Earn interest AND write checks from your account
- $10 monthly service charge
- Waive monthly service charge with $1000 minimum daily balance2
- Free checkbook
1Please consult a financial or tax advisor regarding your state specific rules.
2 Monthly service charge waived if minimum daily balance is met on every day of the month or with a monthly deposit (branch, ATM, direct deposit or mobile deposit) or by enrolling your account in electronic statements.
Account opening subject to approval
Simplify your banking. Bank Mobile.
Check your personal account balances, pay bills and transfer funds between accounts while on the go. Our mobile banking app also makes it easy to:
- Securely sign in with just a fingerprint and Touch ID
- Simply snap a photo to deposit your checks from your smartphone or iPad
- Pay family, friends and others - all you need is their mobile phone or email, Northern PeoplePay takes care of the rest
- Use your Northern Bank debit to pay with ApplePay
Download the iPhone App
Download the iPad app
Download the Android phone app
Certificates of Deposit
Enjoy the security of a CD and a better return on your balances. We can help you choose the right maturity to fit your needs. Maintain easy access to your CD balances with our web and mobile banking.
Student Checking
Make sure the students in your life have all the tools to succeed with Northern's new Student Checking Account! This checking account, for students ages 14-23*, gives them a Northern Bank Debit Mastercard®, 24/7 online and mobile banking, no monthly service charge and unlimited checking transactions. The best part? Up to 5 non-Northern ATM withdrawals with no transaction fee and surcharge reimbursement**. Perfect for school, a part-time job, and everything in between, a Northern Bank Student Checking Account is a must have tool for the student in your life.
Over 18?
* Students ages 14-17 must open an account with a parent or legal guardian.
** When a transaction is initiated at a non-Northern Bank ATM, a surcharge may be assessed by the owner or operator of the ATM, or by an automated transfer network. Up to 5 surcharges will be reimbursed at the end of the account's statement period.