Choose your reward – Cashback or ATM Fee Refunds and Dividends – with a free Choice Rewards Checking. Choice Rewards pays you $0.15 cashback for every debit card purchase (physical or digital) over $5, up to $15 per month, or dividends and up to $15 in ATM fee refunds. There are no minimum balance requirements to earn rewards, but members who choose ATM fee refunds and dividends must make at least $500 in debit card purchases each cycle.
Each monthly cycle, simply:
For ATM fee refunds and dividends, also:
With Choice Rewards Checking you can change your reward each month to fit your needs and spending habits. If you don’t qualify during a cycle, don’t worry. You’ll still enjoy checking without a monthly maintenance fee—you just won’t earn rewards for that month’s cycle.
| Balance | APY* |
|---|---|
| $0.00 to $15,000.00 | 0.26% |
| $15,000.01 to $50,000.00 | 0.15% - 0.26% |
| $50,000.01+ | 0.10% - 0.15% |
*These rates are blended for balances over $15,000. For example, if a member has $15,000 in checking they would receive dividends at the 0.26% APY rate on the first $15,000 in funds, and then dividends at the 0.10% rate on any balances over $15,000.00. Earn 0.26% APY on all balances up to $15,000.
Rates may change after the account is opened. Fees may reduce earnings. No minimum balance is required to earn rewards. Qualifying transactions must post and clear to the account during the monthly qualification cycle which is each calendar month, from the first day through the last day. Rewards will be deposited on the evening of the last day of each month. Intra-bank transfers do not count as qualifying transactions.
Limit one Choice Rewards Checking account per social security number.
Rates accurate as of June 1, 2023.
The smartphone meets smart checking with Northern’s NEXT Rewards eChecking, the free account designed just for young adults. It’s convenient. It’s about easy access to your money—how you want it, when you want it. Choose between $0.10 cashback for every debit card purchase (physical or digital) over $5, up to $10 per month, or get ATM fee refunds, up to $10 per month. Plus, you can change your reward each month to fit your needs and spending habits.
Each monthly cycle, simply:
In order to receive ATM fee refunds, also:
eChecking is also the thing you need to get the rest of NEXT. In other words, get NEXT Rewards eChecking, then supersize your relationship with NEXT eSavings, a NEXT Auto Loan, Micro Line or Student Loan. Become a member to take advantage of these great benefits, getting started is easy, join now!
| BALANCE | APY |
|---|---|
| n/a | n/a |
*Choose between $0.10 cashback for every debit card purchase (physical or digital) over $5, up to $10 per month, or get ATM fee refunds, up to $10 per month.
Fees incurred may reduce earnings on the account. No minimum balance required to earn rewards. Minimum of $500 in debit card purchases must be made to earn ATM fee refunds, up to $10, and dividends. Qualifying transactions must post and clear to the account during the monthly qualification cycle which is each calendar month, from the first day through the last day. Rewards will be deposited on the evening of the last day of each month. Intra-bank transfers do not count as qualifying transactions.
Limit one NEXT Rewards eChecking account per social security number.