Direct Deposit Free Interest Checking*

Eliminate trips to the bank every payday and get access to your money sooner — while earning a handsome return. With Direct Deposit Free Interest Checking, you’ll enjoy the convenience of direct deposit and the joy of balance-boosting interest, without having to pay a monthly service fee. It’s a win-win…win!

  • Free checking for customers with direct deposit
  • Competitive interest on entire balance
  • No monthly service fee
  • No minimum balance requirements
  • Unlimited check writing at no per check charge
  • Free online banking & bill pay
  • Free mobile banking
  • Free eStatements
  • MasterCard® debit card with no monthly or annual maintenance fee
  • Direct deposit available
  • $50 minimum deposit to open
For customers who elect to receive a paper statement, we offer a “Direct Deposit Interest Checking” account with a $3.00 monthly maintenance fee.
Tell-A-Friend Referral Program

Word-of-mouth endorsements from our valued customers are the cornerstone of our success. If you have friends or business associates who you think would benefit from a free checking account with First Northern Bank, please give them a Tell-A-Friend coupon. For every friend who opens an account with us, you'll receive a $10 Amazon® Gift Card!

Three easy steps to your free Amazon Gift Card:

  • Print your name and address on the Tell-A-Friend coupon.
  • Give this coupon to a friend and recommend First Northern Bank's Classic Free Checking* account or any other personal checking account.
  • When your friend opens a new checking account with us, we'll validate this coupon and mail the Amazon Gift Card to you!


We reserve the right to substitute an item of similar value. is not a sponsor of this promotion. Amazon,, the Amazon Gift Cards logo and the logo are trademarks of, Inc. or its affiliates. Gift Cards ("GCs") may be used only to purchase eligible goods on or its affiliated website GCs cannot be redeemed for purchases of gift cards. GCs cannot be reloaded, resold, transferred for value, redeemed for cash, or applied to any other account. For complete GC terms and conditions, see GCs are issued and © 2010 by ACI Gift Cards, Inc., a Washington company.

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*Customer purchases checks. Other fees such as NSF, overdraft, ATM fees, etc. may apply. Request Schedule of Fees and Charges for details.