Personal Checking
Northern Bank & Trust Company offers a variety of checking products to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.
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The Best Things in Life Are Free.
VISA Debit Card or
ATM card available
with no monthly fee?
YES!
24-hour nationwide
ATM access?
YES!
Free online banking
(viewing and transfers)?
YES!
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- No monthly service charges
- Minimum deposit of $10.00 to open account (waived with free gift offer)
- VISA debit card or ATM card available
- Unlimited POS debit (pinned) or credit transactions - no charge
- Unlimited checking transactions per statement period
- Free online banking including bill pay
- Free first order of checks
- Check images returned with monthly statement
- 24 hour nationwide ATM access
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Get more for less.
VISA Debit Card or
ATM card available
with no monthly fee?
YES!
24-hour nationwide
ATM access?
YES!
Free online banking
(viewing and transfers)?
YES!
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- No monthly service charges with Direct Deposit*
- Minimum deposit of $10.00 to open account
- No minimum balance required to maintain account
- Unlimited checking transactions per statement period
- Free online banking including bill pay
- Free Basic Checks over the life of the account
- Check images returned with monthly statement
- No charge for up to 3 foreign ATM transactions per statement period**
- Unlimited POS (credit) transactions
*(a maintenance service charge of $5.95 will be assessed if direct deposit is not received during the statement period) |
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Our relationship account.
VISA Debit Card or
ATM card available
with no monthly fee?
YES!
24-hour nationwide
ATM access?
YES!
Free online banking
(viewing and transfers)?
YES!
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- No monthly maintenance service charge with either a minimum combined daily balance of $10,000.00 in a like-titled personal savings or certificate of deposit (including IRA's) accounts OR a minimum outstanding principal balance of $10,000.00 on a Northern home equity line of credit or residential mortgage.*
- Minimum deposit of $10.00 to open account.
- Free Online Banking and Bill Pay
- Unlimited checking transactions per statement period
- Free Foreign ATM usage**
- Free signature "Northern Light" checks for the life of the account
- Check images returned with monthly statement
- No annual fee on Northern Home Equity Line of Credit.
- No charge for official checks or money orders
- No charge for POS debit (pinned) or credit transactions
* (a maintenance service charge of $20.00 will be imposed if the minimum combined daily balance requirement or the outstanding principal loan balance requirement is not met any day of the statement period) |
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Interest and a whole lot more.
VISA Debit Card or
ATM card available
with no monthly fee?
YES!
24-hour nationwide
ATM access?
YES!
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- Interest at a competitive rate
- Minimum deposit of $25.00 to open account
- No monthly maintenance service charge with a minimum daily balance of $1,000.00*
- Up to 15 free checking transactions per statement period ; $.25 per check over 15 transactions
- Check images returned with monthly statement
- No charge for up to 2 foreign ATM transactions per statement period**
- No charge for up to 5 POS (pinned) debit transactions per statement period
- Unlimited POS (credit) transactions
* (a maintenance service charge of $10.00 will be imposed every month if the daily balance requirement is not met any day of the statement period) |
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Log on and realize the benefits.
VISA Debit Card or
ATM card available
with no monthly fee?
YES!
24-hour nationwide
ATM access?
YES!
Free online banking
(viewing and transfers)?
YES!
|
- Free online banking including bill pay
- No monthly maintenance service charge provided online banking and bill pay are set up*
- Minimum deposit of $10.00 to open account
- No minimum balance required to maintain account
- Unlimited checking transactions per statement period
- Free Basic Checks over the life of the account
- Check images returned with monthly statement
- No charge for up to 3 foreign ATM transactions per statement period**
- Available only to college students - student ID required
- Unlimited POS (credit) transactions
*(a maintenance service charge of $5.95 will be assessed if no online banking and bill pay) |
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Reap the rewards of your employment.
VISA Debit Card or
ATM card available
with no monthly fee?
YES!
24-hour nationwide
ATM access?
YES!
Free online banking
(viewing and transfers)?
YES!
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- Available exclusively to employees of Northern's business customers
- No monthly maintenance service charge with Direct Deposit*
- Minimum deposit of $10.00 to open account
- No minimum balance required to maintain account
- Unlimited checking transactions per statement period
- Free online banking including bill pay
- Free Basic Checks over the life of the account
- Check images returned with monthly statement
- No charge for up to 5 foreign ATM transactions per statement period**
- Statement savings account offered with no monthly fees and no minimum balance requirement
- Monthly maintenance service charges and minimum balance requirements waived on Statement Savings Account
- Unlimited POS (credit) transactions
*(a maintenance service charge of $5.95 will be assessed if direct deposit is not received during the statement period) |
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VISA Debit Card or
ATM card available
with no monthly fee?
YES!
24-hour nationwide
ATM access?
YES!
Free online banking
?
YES!
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- No monthly maintenance service charge
- Customer must be 50 years of age or older
- Customer must have a minimum combined daily balance of $10,000.00 in personal deposit accounts. (Including IRAs). If the combined daily balance drops below $10,000.00, the account may be converted to a Free checking account at the bank's discretion
- Minimum deposit of $10.00 to open account
- Unlimited checking transactions per statement period
- Free online banking including bill pay
- Free Basic Checks for the life of the account
- Check images returned with monthly statement
- No charge for official checks or money orders
- 50% off the annual rental of a safe deposit box
- VISA debit card or ATM card available with no monthly fee
- Unlimited foreign ATM transactions**
- 24-hour nationwide ATM access
- No charge for POS debit (pinned) or credit transactions
- Special promotions offered periodically
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*waived if all account holders are 65 years of age or older or 18 years of age or younger. Certain conditions may apply. Eligible account holders must complete the necessary registration forms. The account will be charged in accordance with the fee schedule in effect at the time the account becomes eligible.
**Surcharge may be assessed by owner or operator of ATM.
Please refer to our current fee schedule for information about other fees and charges.
All consumer checking accounts consist of a checking sub account and a savings sub account. The Bank may periodically transfer funds between these two sub accounts. If your Account is a Plan on which interest is paid, your interest calculation will remain the same. Otherwise, the savings sub account will be non interest bearing. The savings sub account will be governed by the rules governing our other savings accounts. This process will not affect your available balance, the interest you may earn, FDIC insurance protection, or your monthly statement.
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