Northern Bank and Trust Company

Personal > Checking

With accounts designed to meet every need, you can bank on finding your perfect checking choice here.

Northern Free Checking

Great value, pure and simple! Enjoy unlimited­ checking with no monthly service charges or minimum balance requirements. Open your account with just $10.


Northern Plus Checking 

We’ll waive the $10 monthly  service charge on this interest-earning account for customers 50 years of age or older, or who maintain a minimum daily balance of $2,500.00, or receive direct deposit.

Receive additional benefits including a free box of basic checks, no transaction fee for the first 5 ATM withdrawals per statement period at non-Northern Bank & Trust Company ATMs*, and 50% off the annual rent of a safe deposit box.


Northern Premium Checking

If you maintain a minimum combined daily balance of $10,000 or more in any combination of like-titled personal Northern Bank & Trust Company deposit accounts, or if you are an authorized signer on a business account with us, we’ll waive the $20 monthly service charge on this interest-earning account.

In addition, you can use ATMs anywhere nationwide with no transaction fees*, plus we’ll reimburse any ATM surcharges. Includes free basic checks for the life of the account!


Deposit Insurance

Northern Bank & Trust Company depositors are insured by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000. Click for details.

All of these accounts include:

  • Online banking and bill pay

  • E-Statements available

  • Check images returned with monthly statement

  • VISA® Debit card or ATM card

  • 24-hour nationwide ATM access

  • No transaction fee for POS debit (pinned) or credit transactions*

Neighbors you can bank on

For more information about our products and services, please visit any of our offices, use our information request form, or call us at 800.273.6908.

*When a transaction is initiated at a non-Northern Bank & Trust Company ATM, a surcharge may be assessed by the owner or operator of the ATM, or by an automated transfer network.


Equal Housing Lender Member FDIC NMLS# 472275
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275 Mishawum Road • Woburn, MA 01801 • 800.273.6908
© 2017, Northern Bank & Trust Company. All rights reserved.


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