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Checking Accounts


A checking account that’s compatible with the way you bank gives you more time for whatever makes you happy. All of our Checking Accounts are backed by the VISA zero-liability guarantee which means you’re protected against fraudulent activity on your Visa debit card. You can also increase your peace of mind by opting in to free Overdraft Protection, we’ll automatically transfer money from your Northern Star Regular Savings Account to avoid overdrafts from check or debit card purchases. Our checking accounts can be paired with Bill Pay and you can easily pay your bills online with zero fees. Your checking account is also viewable through the mobile app, where you can check your balance and transfer funds when needed. Below are the checking options available.

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Classic Checking Accounts

  • No minimum balance required to open account
  • Unlimited check writing
  • Free Visa Debit Card
  • Account access through e-Branch and our Mobile App
  • Reward Points on signature-based
  • Free online Bill Pay

Signing up for a Northern Star checking account takes about fifteen minutes, and can be done online or at any one of our branch locations. If you have any further questions concerning this service, or any of our other services, please contact us.

To avoid possible disruption in your debit card service, be sure to log into e-Branch, click the preferences link on the side menu, and opt-in your checking account. If you prefer signing a hard copy and bringing it by one of our branches, you may also use the opt-in form.

Debit card and credit card processing is done through Vantiv, a partner with Northern Star Credit Union. Vantiv may call or text you regarding security matters or suspicious activity with your card. They may go over a list of purchases you have recently made with your plastic cards, however they will never ask for any personal information such as PINs, account numbers, passwords, or other private information. Vantiv may ask for the last four digits of your social security number or your address to verify your identity when they call you.

Please be advised, if you plan to leave the country and/or make transactions outside of your home state, you must give Northern Star Credit Union notice prior to your intent to use you VISA Debit Card.

To obtain your PIN, change your PIN number, or report a lost or stolen VISA Card (Credit or Debit Card), please use one of the phone numbers listed here. Check out our rates page and fee schedule for the latest information.

VIP Checking Accounts

Not only is there no minimum balance, no monthly fees, and nationwide ATM fee refunds, but you get paid cash, just by meeting our simple monthly qualifications as detailed under 'Rewarding our Members for their Loyalty' section below.

VIP Checking offers you:

  • A high interest rate on your balance
  • Up to $30 in nationwide foreign ATM refunds per month
  • Free VISA Debit Card
  • Reward Points on Debit Card purchases
  • Free Online Banking
  • Free Online Bill Pay
  • No minimum balance requirement
  • No monthly service fees

Minimum to open account is $0. Interest rate and ATM refunds up to $30 per statement cycle applies as long as qualifications are met each statement cycle. Rates may change after the account is opened. Qualifying transactions must post to the account during the qualification cycle. Transactions may take one or more business days to post from the transaction date. Intrabank transfers do not count as qualifying ACH transaction. Only signature based transactions earn reward points. Limit one VIP Checking account per individual.

VIP Plus Account

VIP Plus is the perfect way to take your VIP Checking account to the next level. When you meet our monthly qualifications in VIP Checking and also have a Northern Star auto loan or credit card, we will pay you a much higher rate on the balance on your VIP Checking account balance.

There is no need to sign up for VIP Plus separately, all VIP Checking and VIP Saver account holders will automatically qualify for the premium interest rate when they have a qualifying auto loan or credit card.

VIP Plus offers you:

  • A much higher interest rate on your balance than our standard VIP Checking Account
  • All the same great features of our standard VIP Checking account:
    • Up to $30 in nationwide foreign ATM refunds per month
    • Reward Points on Debit Card Purchases
    • Free Online Banking
    • Free Online Bill Pay
    • No minimum balance requirement
    • No monthly service fees

Minimum to open account is $0. Interest rate and ATM refunds up to $30 per statement cycle applies as long as qualifications are met each statement cycle. Rates may change after the account is opened. Qualifying transactions must post to the account during the qualification cycle. Transactions may take one or more business days to post from the transaction date. Intrabank transfers do not count as qualifying ACH transaction. Only signature based transactions earn reward points. Limit on VIP Checking account per individual. Membership required. VIP Plus qualifications are based on loan and credit card balances on the last day of the qualification cycle, in addition to qualifying in our Standard VIP Checking account. Minimum auto loan of $15,000 or credit card balance of $3,000 is required for VIP Plus qualifications.

Rewarding our Members for their Loyalty

When you use your VIP Checking account, Northern Star Credit Union rewards you with monthly benefits for your loyalty. In order to receive your monthly benefits, we ask that you:

  • Have at least 12 debit card purchases post and clear (ATM usage does not count toward the 12 purchases)
  • Have 1 Automatic Payment or Direct Deposit post and clear
  • Receive your account statement electronically
  • Valid email address required for electronic statement qualification

If for some reason you are unable to fulfill these requests in any particular month, there is no maintenance fee, but you will not receive the benefits for that particular statement cycle.

Any of our Northern Star accounts can be accessed free online through e-Branch, with our mobile app. VIP accounts are interest bearing, check our rates page for the latest information. Membership required. If the requirements for your VIP Checking account are not met for an extended period of time, Northern Star Credit Union may elect to close your VIP Checking account and transfer the funds to a standard checking account.

Signing up for a Northern Star savings account takes about fifteen minutes, and can be done online or at any one of our branch locations. If you have any further questions concerning this service, or any of our other services, please contact us.

Please be advised, if you plan to leave the country and/or make transactions outside of your home state, you must give Northern Star Credit Union notice prior to your intent to use your VISA Credit Card. To avoid possible disruption in your debit card service, be sure to log into e-Branch, click the preferences link on the side menu, and opt-in your checking account. If you prefer signing a hard copy and bringing it by one of our branches, you may also use the opt-in form.

Debit card and credit card processing is done through Vantiv, a partner with Northern Star Credit Union. Vantiv may call or text you regarding security matters or suspicious activity with your card. They may go over a list of purchases you have recently made with your plastic cards, however they will never ask for any personal information such as PINs, account numbers, passwords, or other private information. Vantiv may ask for the last four digits of your social security number or your address to verify your identity when they call you.

To obtain your PIN, change your PIN number, or report a lost or stolen VISA Card (Credit or Debit Card), please use one of the phone numbers listed here.

Check out our rates page and fee schedule for the latest information