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Checkless Banking

Digital banking for a digital world.


Occasionally referred to as check-free banking, First Northern Bank and Trust’s Checkless Banking Account is the paperless checking solution you’ve been looking for. Whatever you call it, it means the same thing. You won’t receive paper checks from us when you open the Account, write any paper checks, or need to find a place to store them!

This is a sleek racehorse of an account, built for speed, performance, and powered by secure technology.

Account Details and Features

  • Minimum opening deposit $25.00
  • Sweep Protection (from a qualified account)
  • Online Banking with Bill Pay and optional Mobile Deposit
  • Mobile Banking App for iPhone®, iPad®, and Android™ phones and tablets is available for download at the App Store℠ and Google Play™ 
  • Express Banking (access your account by phone)
  • MasterMoney® Debit Card
  • Unlimited use of First Northern Bank and Trust ATMs
  • P2P Transfers (send money from your account to someone else’s)
  • eDocs and eStatements required
  • Direct Deposit
  • Bank to Bank Transfers
  • No service fee on accounts with ten (10) or more transactions per statement cycle
  • See additional details



Open a Checkless Banking Account.

Call 1-800-344-2274 or visit any branch location.

Once the account is open, you can enroll in Online Banking, request that your preferred features be enabled, and download the First Northern Bank and Trust Mobile Banking App from the App Store or Google Play.

Already have an account enrolled in Online Banking? To add or remove services, please use the Online Banking Addendum. To submit the form, visit our contact page to request instructions to upload the document online, mail it to your preferred branch location, or drop it off at your convenience.


There is no fee for the Mobile Banking App but connectivity and usage rates by your carrier or internet provider may apply. Contact your wireless service provider for more details. Deposits are subject to verification and are not available for immediate withdrawal. Deposit limits and other restrictions apply. iPhone and iPad are registered trademarks of Apple Inc. Android is a trademark of Google LLC. App Store is a service mark of Apple, Inc. Google Play is a trademark of Google LLC.

Eligibility Requirements. You must have at least one MasterMoney Debit Card for this account. You must maintain Online Banking and receive electronic statements.

Minimum Balance Requirements. You must deposit $25.00 to open this account.

Dormant and Inactive Account Information. A dormant account fee of $5.00 per month will be charged after 1 year of inactivity.

Processing Order. Items are paid from current funds using the following method: Internal items, POS items, ATM items, ACH items, external items last. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

Transaction Limitations. No paper checks will be ordered or processed for this account (exceptions: Site drafts, Bill Pay checks, and over the counter withdrawal slips). All other checks will be returned with associated fees.

Additional Information Regarding Your Account. A fee of $5.00 per Debit Card will be charged per statement cycle. To avoid the imposition of the per card fee, you must have a minimum of 10 or more posted debit card transactions on this account per statement cycle.

For example, if less than 10 debit card transactions are posted to the account during the statement cycle, and there are 2 debit cards issued to the account, a $5.00 fee will be charged for each card, totaling $10.00.

Debit Card transactions include purchases made using PIN, Signature, online, phone, and recurring debit card payments. Does not include any ATM transactions, ACH transactions, online bill payments, or any other transaction where your debit card was not used.

Check Standards: You agree to only write or deposit checks that are written in an ink type or color (blue or black) that reproduces clearly when imaged or copied. You also agree that you will not write or deposit checks that bear designs, security features, or other elements that prevent the check from being imaged or copied with all of its necessary elements being reproduced clearly.

Substitute Checks: You agree that you will not, without the Bank's express written consent, deposit any substitute check into an account.

Fees and Charges. For information about fees and charges associated with this account, view our Schedule of Service Fees.

MasterMoney is a registered trademark of Mastercard International Incorporated.