Checking

Our checking accounts are designed to provide you with high convenience, high value, and if you choose Kasasa - the opportunity to earn cash back. Other great perks include:

Which Free Kasasa® account will you choose?

Your Kasasa® checking account is always free with no minimum balance, and you can earn rewards and nationwide ATM fee refunds every month. Qualifying for rewards is easy! Help us be more efficient in these three ways, and we’ll thank you by depositing the savings back into your account:

1. Perform at least 15 transactions with your NorthCountry debit and/or credit card

2. Choose e-statements instead of paper statements

3. Log in to online banking or mobile banking at least once per month

We place no restrictions on how many times you visit our branches or how many checks you write. Just meet the three easy qualifications for your reward. If you don’t meet the qualifications in any given month, your Kasasa® account is still free, and you can try again the following month.

Kasasa® Cash

Choose Kasasa® Cash for nationwide ATM fee refunds and a high dividend.

If qualifications are met during a monthly qualification cycle:

  1. Kasasa® Cash account balances up to $10,000 will earn 2.01% APY, and any portion of a balance over $10,000 will earn a dividend rate of 0.25%, with a final APY ranging from 2.01% to 0.41% APY depending on the account balance. If qualifications are not met, the total balance will earn 0.05% APY. Dividends will be credited on or before the third business day of the next monthly statement cycle. APY=Annual Percentage Yield. APYs were accurate as of 6/1/2016 and are subject to change.
  2. Domestic ATM fees under $5 each incurred during the monthly qualification cycle will be automatically reimbursed and credited on or before the third business day of the next monthly statement cycle. Receipts must be presented for reimbursement of single ATM fees of $5.00 or more. The maximum reimbursement is $20 per monthly qualification cycle.
  3. Debit or credit card purchases must post and settle to the account during the monthly qualification cycle-this may take one or more business days from the date the transaction occurred. ATM-processed transactions do not qualify as debit or credit card transactions. The "Monthly Qualification Cycle" begins on the first day of the calendar month and ends on the last day of the calendar month. One Kasasa® Cash account per SSN.

Kasasa® Cash Back with Optional Kasasa® Saver

Choose Kasasa® Cash Back with (optional) Kasasa® Saver for nationwide ATM fee refunds and cash back on your purchases.

If qualifications are met during a monthly qualification cycle:

  1. You will earn 2% cash back (up to $6 total) on debit and credit card purchases that post and settle during the monthly qualification cycle. This may take one or more business days from the transaction date.
  2. Domestic ATM fees under $5 each incurred during the monthly qualification cycle will be automatically reimbursed and credited on or before the third business day of the next monthly statement cycle. Receipts must be presented for reimbursement of single ATM fees of $5.00 or more. The maximum reimbursement is $20 per monthly qualification cycle.
  3. If you choose the Kasasa® Saver option, your Kasasa® Cash Back rewards (cash back and ATM refunds) will be credited to your Kasasa® Saver account on or before the third business day of the next monthly statement cycle. Kasasa® Saver account balances earn 0.15% APY. APY=Annual Percentage Yield. This APY was accurate as of 6/1/2016 and is subject to change.
  4. Debit and credit card purchases must post and settle to the account during the monthly qualification cycle - this may take one or more business days from the date the transaction occurred. ATM-processed transactions do not qualify as debit or credit card transactions. The "Monthly Qualification Cycle" begins on the first day of the calendar month and ends on the last day of the calendar month. One Kasasa® Cash Back account per SSN.

Kasasa® Tunes

For nationwide ATM fee refunds and up to $30 in iTunes® and/or Amazon.com® refunds your first month and up to $5 in refunds thereafter, choose Kasasa® Tunes.

If qualifications are met during a monthly qualification cycle:

  1. We will refund up to $30 of iTunes® and/or Amazon.com® purchases that post and settle to your account within 30 days of opening your account. Going forward, if qualifications are met during a monthly qualification cycle:
  2. You will receive up to $5 in iTunes® and/or Amazon.com® refunds per cycle. To qualify, transactions must be made with a NorthCountry debit or credit card for your Tunes account, and must post and settle to the account during the monthly qualification cycle - this may take one or more business days from the transaction date. Refunds will be credited to your account on or before the third business day of the month following the month in which the qualified purchases were made. iTunes is a registered trademark of Apple Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program.
  3. Domestic ATM fees under $5 each incurred during the monthly qualification cycle will be automatically reimbursed and credited on or before the third business day of the next monthly statement cycle. Receipts must be presented for reimbursement of single ATM fees of $5.00 or more. The maximum reimbursement is $20 per monthly qualification cycle.
  4. Debit and credit card purchases must post and settle to the account during the monthly qualification cycle. This may take one or more business days from the date the transaction occurred. ATM-processed transactions do not qualify as debit or credit card transactions. The "Monthly Qualification Cycle" begins on the first day of the calendar month and ends on the last day of the calendar month. One Kasasa® Tunes account per SSN.

Kasasa-fy Me!

Switching your existing NorthCountry checking account to a Kasasa® account is easy. Contact Us at your convenience and we’ll make the change in a matter of seconds. Your account number and debit card will stay the same, and your account is still free.

Money Market Accounts

If you want a low-transaction account with a high dividend, a money market account may be right for you.

  • $2,000 minimum balance
  • There is no limit on transactions performed with a teller in one of our branches
  • For electonic transactions and/or checks you can perform a total of six transactions, three of which can be by check

ShareDraft (Checking) Line of Credit

To avoid overdraft fees, ask about a checking line of credit. When your transaction request exceeds the funds available in your account, a loan will be generated in increments of $100 (up to your limit) to cover the amount of your purchase or withdrawal.

Do you currently have a NorthCountry checking account?

Yes

Great! Within online banking and under the ‘Additional Services’ tab, select ‘Apply for a Loan’. This will open the loan application where you can apply for a Share Draft (Checking) Line of Credit under the Personal Loans section.

No

Open an account today online or by stopping into one of our branches where we’d be happy to assist you. Once your account is open and your online banking account is established, you can log into online banking and choose to add an account for your checking line of credit (upon approval).

Ordering Checks

If you previously ordered checks through the credit union, you can place any subsequent orders quickly and conveniently within online banking. You can also re-order checks by contacting us directly or visiting any branch.

What would you like to do today?