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.

So, which Kasasa® account will you choose? Please see our Kasasa® Brochure for qualification details on each product below:

Kasasa® Cash

Earn a high dividend on your checking account for doing simple, everyday banking activities each month, and get ATM fee refunds!

Kasasa® Cash Back

Get paid for everyday debit and/or credit card purchases. You’ll also receive free ATM fee refunds!

Kasasa® Tunes

Rock on with reimbursements for online purchases from Amazon® and/or iTunes®! In the first 30 days of opening your account, you’ll get $30 reimbursed! After that you’ll earn $5 per cycle for every month you qualify. Ready for the encore? This account also receives free ATM fee refunds.

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
  • Unlimited teller transactions
  • Up to three checks per month are allowed. Each check counts toward the maximum of six electronic withdrawals allowed per month

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?


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.


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.

Account Security

Did you know you can set account alerts and notifications through online banking? Alerts can be sent to your preferred email address, mobile phone, or both, notifying you of a low balance, large deposit, or checks cleared. Other types of notifications can be added too, such as loan payment due date reminders, and maturity date reminders. To get started, log into online banking and select ‘Notifications’ in the upper right-hand corner.

Watching your accounts and arming yourself with a healthy dose of skepticism are two ways to keep your money safe. If you ever have questions or concerns about a transaction, call us at (800) 660-3258. You can also visit our Security Page for more tips on keeping your accounts secure.

Did you know you can turn your debit card on and off as needed? Use the free MobiMoney app for card controls at your fingertips! Please see our Debit Card Page for more information.

What would you like to do today?