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Checking Accounts


SAVE | SPEND | SECURE | SEND your money with a Northern Star Checking Account. Sign up in 15 minutes or less.

Earn extra perks like rewards points and interest back with our free, VIP Checking Account – a Member favorite! Sign up HERE.

open a checking account

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
  • REWARDS POINTS
  • FREE online Bill Pay

If you prefer signing a hard copy, you can print out the opt-in form and bring it to one of our branches. Please use one of the phone numbers listed here to contact us with any questions, comments, or concerns. Check out our rates page and fee schedule for the latest information.

VIP Checking Accounts

NO minimum balance or monthly fees. RECEIVE up to $30 per month in refunds from nationwide & foreign ATMs. EARN rewards points for merchandise, trips, cash back, and more.



VIP Checking lets you:

  • Grow your money faster with our high interest rates
  • Earn rewards for signature-based transactions on your free VISA Debit Card
  • Enjoy Online Banking and Bill Pay flexibility
VIP 1, 2, 3

**Criteria above must be met for ATM refunds and high interest rate. Only signature-based transactions earn reward points. Rates may change after the account is opened. Qualifying transactions must post to the account during the qualification cycle. Transactions can take one or more business days to post from the transaction date. Intrabank transfers do not count as a qualifying ACH transaction. Limit one VIP Checking account per individual.

Click HERE to learn more about VIP Checking, Saver, and Plus.

VIP Plus Account

Take your VIP experience to the next level! Let’s face it – your bank doesn’t love you like we do, so you may as well earn interest on your money. Transfer your debt over to us and take advantage of the free balance transfer.


VIP Plus qualifications are based on balances the last day of each cycle. The accounts must also meet the criteria for VIP Checking.


Click HERE to learn more about VIP Checking, Saver, and Plus.



Rewarding our Members for their Loyalty

Loyalty is rewarded on a monthly basis at Northern Star Credit Union. As a VIP account holder, we ask that you do the following to keep enjoying these fringe benefits:

  • Make at least 12 debit card purchases*
  • Have 1 Automatic Payment or Direct Deposit*
  • Sign up for e-Statements with a valid email address

*purchases and deposits must clear prior to the cycle end and ATM use doesn’t count. Don’t worry if you don’t meet this criteria, we won’t charge you a maintenance fee. If the requirements aren’t met for an extended period of time, we close your VIP Checking account and transfer the funds to a standard checking account.

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