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Royal Checking

Enjoy the extra bells and whistles!


Our Royal Checking Account is packaged with a laundry list of benefits, each thoughtfully selected to deliver maximum flexibility and elevate your customer experience. At First Northern Bank and Trust, we genuinely appreciate our Royal Relationship customers and are pleased to offer you a few extra special rewards.


Account Details and Features

  • Minimum opening deposit $25,000.00
  • Unlimited check writing (re-order checks online)
  • Two orders of basic checks per year
  • Overdraft Protection eliminates accidental bounces
  • Sweep Protection (from a qualified account)
  • Treasurer’s Checks and Money Orders
  • Safe Deposit Box for one year (size 2x5, subject to availability)
  • Signature Guarantee Service
  • Ten (10) photocopies per month
  • Online Banking with Bill Pay and optional Mobile Deposit
  • The First Northern Bank and Trust Co. Mobile App for iPhone®, iPad®, and Android® devices is available for download from 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)
  • Paper Statements by mail include check images
  • eDocs (includes optional eStatements)
  • Direct Deposit
  • Bank to Bank Transfers
  • No service fee on accounts with a minimum daily balance of $25,000.00
  • See additional details

When you open a new Account, Online Banking is optional. To open an account, please call 1-800-344-2274 or visit any branch location. 

If your Account does not currently include Online Banking and you'd like to set it up, please enroll now



There is no fee for the First Northern Bank and Trust Co. Mobile 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®, iPad®, and App Store® are registered trademarks of Apple Inc. Android® and Google Play® are trademarks of Google LLC.

Minimum Balance Requirements. You must deposit $25,000.00 to open this account. A service charge of $25.00 will be imposed every monthly statement cycle if the average balance of your total deposit relationship is less than $25,000.00. Your total deposit relationship consists of all checking and savings accounts of which the primary person on this account is an owner, either solely or jointly. No minimum opening deposit is required if the customer meets the total deposit relationship requirement.

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 or within granted Bounce Protection limits, if applicable, using the following method: Internal items, POS items, ATM items, over the counter checks (serial number order), ACH items, all other checks (serial number order).

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.

Bounce Protection. When you meet the criteria for Bounce Protection, we will automatically activate your account and send you written notification. You should know the following information about Bounce Protection:

• Any type of allowable transaction (including checks, in person withdrawals, drafts, ATM withdrawals, debit card transactions, preauthorized automatic debits, telephone-initiated transfers or other electronic transfers) against your account may trigger a Bounce Protection fee if a negative ledger balance is created.

• Fees charged will reduce your Bounce Protection limit.

• Fees are charged on a tiered basis up to $35.00 per item beginning when a negative ledger balance is created. Please refer to our Fee Schedule. Multiple fees will be charged if multiple items are presented.

• Items are paid using the following method: Internal items, POS items, ATM items, over the counter checks (serial number order), ACH items, all other checks (serial number order). This may affect charges to your account.

• Whether overdrafts will be paid is at our discretion and we reserve the right not to pay.

• If your account is not brought to a positive balance within 30 days, your Bounce Protection limit will be suspended.

• Bounce Protection is a non-contractual courtesy which may be revoked at any time without prior notice.

• You may opt out of Bounce Protection at any time.

Transaction Limitations. No transaction limitations apply to this account.

Additional Information Regarding Your Account. 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.