Checking

For exceptional value and your choice of rewards, choose a Kasasa checking account! Every NorthCountry Kasasa checking account comes with these free features:

  • Mobile banking
  • Snap-eDeposit (mobile deposit)
  • E-statements
  • Online banking
  • Bill pay
  • Debit card
  • Unlimited check writing
  • Teller transactions at over 4,000 partner credit union locations

Free Kasasa Checking Accounts

Table with four columns and eight rows. The first column is a gray background with bold, black font in each row, no cell spacing. The other three columns are sage green with dark green check marks or regular, black font. There is a header banner across the table that states, ‘Wow 3 free checking accounts. Your choice of rewards.’ The first row in the table is headers with images or icons. Column 1, row 1 is an image of a ceramic piggy bank. Column 2, row 1 is an icon of a safe with, ‘Kasasa Cash®’ in red font. Column 3, row 1 is an icon of a debit card going in a point of sale terminal with, ‘Kasasa Cash Back®’ in red font. Column 4, row 1 is an icon of a shopping cart with music notes floating out of it with, ‘Kasasa Tunes®’ in red font. Column 1, row 2 reads, ‘Free checking’. Column 2, row 2 has a green check mark. Column 3, row 2 is a green check mark. Column 4, row 2 is a green check mark. Column 1, row 3 reads, ‘Monthly reward*’. Column 2, row 3 reads, ‘3.00% APY* paid on balances up to $10,000!’. Column 3, row 3 reads, ‘2% cash back on the first $300 of your debit and/or credit card purchases— that’s up to $6 each month!’. Column 3, row 3 reads, ‘Up to $5 in refunds on iTunes and Amazon purchases each month— and up to $30 bonus rewards in your first month!’. Column 1, row 4 reads, ‘Refunds on ATM fees, nationwide*’. Column 2, row 4 reads, ‘Up to $20 per month’. Column 3, row 4 reads, ‘Up to $20 per month’. Column 4, row 4 reads, ‘Up to $20 per month’. Column 1, row 5 reads, ‘No minimum balance to earn rewards’. Column 2, row 5 is a green check mark. Column 3, row 5 is a green check mark. Column 4, row 5 is a green check mark. Column 1, row 6 reads, ‘No monthly service fees’. Column 2, row 6 is a green check mark. Column 3, row 6 is a green check mark.  Column 4, row 6 is a green check mark. Column 1, row 7 reads, ‘Free debit card & online banking’. Column 2, row 7 is a green check mark. Column 3, row 7 is a green check mark. Column 4, row 7 is a green check mark. Column 1, row 8 reads, ‘Kasasa Saver® option*’. Column 2, row 8 reads, ‘Earn 1.00% APY* on daily balances up to and including $50,000. Any portion of your daily balance over $50,000 will earn 0.25% APY’. Column 3, row 8 is blank. Column 4, row 8 is blank.

Just how good are the rates? Click Here to find out!

Qualification Cycle

Debit and/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. The “Monthly Qualification Cycle” begins on the last day of each month.

ATM Fee Refunds

Domestic ATM fees under $5 each incurred during the monthly qualification cycle will be automatically reimbursed and credited on or about the last day of the 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.

To have any Kasasa account, a NorthCountry Share Account is also required, which has a minimum balance of $5.

Kasasa Cash and Kasasa Saver

Table with three columns and five rows. The first column merges down, all five rows into one. In bold, black font it reads, ‘Kasasa Cash’. The first row merges across two columns and reads in bold, black font, ‘When qualifications are met during the qualification cycle’. Column 2, row 2 reads in regular, black font, ‘Daily balances ≤ $10,000’. Column 3, row 2 reads, ‘3.00% APY’. Column 2, row 3 reads, ‘Portion of daily balances > $10,000’. Column 3, row 3 reads, ‘0.25% APY’. The fourth row merges across two columns and reads in bold, black font, ‘When qualifications are not met’. Column 2, row 5 reads, ‘All balances’. Column 3, row 5 reads, ‘0.05% APY’.

Dividends will be credited on or about the last day of the monthly statement cycle. APY=Annual Percentage Yield. APYs were current as of 1/01/2020 and are subject to change. If you choose the Kasasa Saver option, your Kasasa Cash rewards (dividends and ATM refunds) will be transferred to your Kasasa Saver account on or about the first day of the next monthly statement cycle.

Table with three columns and five rows. The first column merges down, all five rows into one. In bold, black font it reads, ‘Kasasa Saver’. The first row merges across two columns and reads in bold, black font, ‘When qualifications are met during the qualification cycle’. Column 2, row 2 reads in regular, black font, ‘Daily balances ≤ $50,000’. Column 3, row 2 reads, ‘1.00% APY’. Column 2, row 3 reads, ‘Portion of daily balances > $50,000’. Column 3, row 3 reads, ‘0.25% APY’. The fourth row merges across two columns and reads in bold, black font, ‘When qualifications are not met’. Column 2, row 5 reads, ‘All balances’. Column 3, row 5 reads, ‘0.05% APY’.

This APY was accurate as of 1/01/2020 and is subject to change. Limit of one Kasasa Cash account per SSN.

Kasasa Cash Back

If qualifications are met during a monthly qualification cycle:

1. You will earn 2% cash back (up to $6 total) on debit and/or credit card purchases that post and settle to your Kasasa Cash Back account during the monthly qualification cycle. 2. One Kasasa Cash Back account per SSN.

Kasasa Tunes

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:

1. You will receive up to $5 in iTunes® and/or Amazon.com® refunds per cycle. To qualify, transactions must be made with a NorthCountry FCU debit and/or credit card for your Tunes account. Refunds will be credited to your account on or about the last day of the monthly statement cycle. 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. 2. One Kasasa Tunes account per SSN.

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 six transfers and withdrawals per month

For additional information, please refer to the Truth-in-Savings Disclosure.

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.

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.

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