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Personal Checking and Money Market Accounts

First Northern Bank & Trust offers a variety of Checking Accounts to fit your individual needs and lifestyle! View Deposit Account Rates. Sign up for a Personal Checking Account and receive free Online/Mobile Banking:

Online Banking and Bill Pay

  • All customers are eligible for free Online Banking and Bill Pay.
  • 24/7/365 Access to your Accounts from Anywhere with Internet Access
  • Check Balances, make Transfers§, pay FNBT Loans, apply for a Loan, download Check Images, pay Bills and more

See Online Banking Services for more information.

§Passbook Savings Accounts and Money Market Passbook Accounts are limited to "view only" and cannot make transfers or payments.

Mobile Banking/Mobile Deposit

  • Access Deposit and Loan Accounts, Pay Bills, Deposit Checks, View Balances, Transfer Funds and more
  • Download the "First Northern Bank Mobile Banking" iPhone and Android Apps at the App Store or Google Play

See Mobile Deposit for more information.

Checking Accounts

Personal Checking

  • $25 Minimum Opening Deposit
  • A $5 Service Charge* will apply if the Account Balance falls below $200 on any day of a Statement Cycle.
  • Regardless of your balance, service charges will never exceed $5.00 per month.
  • This account offers unlimited check writing and the return of check images with your statement.

If your account is closed within 90 days after opening, an early closing fee of $20 will be charged. After one year of zero account activity, a dormant fee of $5 per month will be charged.

*Does not apply to personal accounts for senior citizens (age 62 and over)

Regular Checking - Seniors (62+)

With complimentary wallet-style checks and no minimum balance for individuals age 62 and over, this account is a superb choice for people entering their golden years.

  • $25 Minimum Opening Deposit

Royal Checking

  • $25,000 Minimum Opening Deposit* (combined balance between your Royal Savings Account and your Royal Checking Account)
  • Free Online Banking with Bill Pay
  • Free e-Statements available
  • Free Personal Checks (2 orders per year)
  • Free Money Orders and Cashiers Checks
  • Free First Year on Safe Deposit Boxes (2x5 subject to availability)
  • Free Signature Guarantee
  • Free Overdraft Protection
  • Free Photocopies (10 per month)
  • Free MasterMoney® Card (No annual fee)
  • Free Bank-by-Phone Services
  • Lower Rates on Consumer Loans with Direct Debit
  • Higher Rates on Selected CDs
  • No Mortgage Application Fees
  • $1,000 Bounce Protection
  • Free use of FNBT ATMs
  • A Service Charge of $25.00 will apply if the Account Balance of your combined total deposit relationship (your Royal Savings Account and your Royal Checking Account) falls below $25,000 on any day of a Statement Cycle.

Learn more

*Your total deposit relationship is comprised of all Royal Savings and Royal Checking accounts of which you are the primary owner, on either individual or joint accounts.

Other terms and conditions may apply. Ask your account representative for additional details.

Royal Blue Checking (Must be 55 years of age or older)

  • $10,000 Minimum Opening Deposit* (combined balance between your Royal Savings Account and your Royal Blue Checking Account)
  • Free Online Banking with Bill Pay
  • Free e-Statements available
  • Free Personal Checks (2 orders per year)
  • Free Money Orders and Cashiers Checks
  • Free First Year on Safe Deposit Boxes (2x5 subject to availability)
  • Free Signature Guarantee
  • Free Overdraft Protection
  • Free Photocopies (10 per month)
  • Free MasterMoney® Card (No annual fee)
  • Free Bank-by-Phone Services
  • Lower Rates on Consumer Loans with Direct Debit
  • Higher Rates on Selected CDs
  • No Mortgage Application Fees
  • $1,000 Bounce Protection
  • Free use of FNBT ATMs
  • A Service Charge of $10.00 will apply if the Account Balance of your combined total deposit relationship (your Royal Savings Account and your Royal Blue Checking Account) falls below $10,000 on any day of a Statement Cycle.

Learn more

*Your total deposit relationship is comprised of all Royal Savings and Royal Blue Checking accounts of which you are the primary owner, on either individual or joint accounts.

Other terms and conditions may apply. Ask your account representative for additional details.

Student Checking

Free Checking for high school or college students age 16 to 24 while attending school.

  • $25 Minimum Opening Deposit

Learn More

FNBT Military Account

If you are Active or Retired U.S. Military, a Reservist, a Veteran or in the National Guard, please consider the benefits of an FNBT Military Account.

Learn More

Money Market Checking

  • Interest Rate and Annual Percentage Yield may change at any time
  • Interest will compound monthly and be credited to your account
  • $1,000 Minimum Opening Deposit
  • A $5 Service Charge will apply if the Account Balance falls below $1,000 on any day of a Statement Cycle
  • You may make no more than six preauthorized withdrawals, automatic or telephone transfers, net teller transfers, checks drafts and debit card or similar transactions from your account per month or statement cycle.

†Interest is calculated using the daily balance method (applies a daily periodic rate to the account principal each day).

Accrual of interest on non-cash items (checks) begins on the business day you deposit them. If your account is closed within 90 days after opening, an early closing fee of $20 will be charged. After one year of zero account activity, a dormant fee of $5 per month will be charged.

NOW Checking

  • Interest Rate and Annual Percentage Yield may change at any time
  • Interest will compound monthly and be credited to your account
  • $1,000 Minimum Opening Deposit
  • A $7 Service Charge will apply if the Account Balance falls below $1,000 on any day of a Statement Cycle

‡Interest is calculated using the daily balance method (applies a daily periodic rate to the account principal each day).

Accrual of interest on non-cash items (checks) begins on the business day you deposit them. If your account is closed within 90 days after opening, an early closing fee of $20 will be charged. After one year of zero account activity, a dormant fee of $5 per month will be charged.

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First Northern Bank & Trust | Fourth Street & Lafayette Avenue Palmerton, PA 18071

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