Checking that pays attention
Direct deposit up to two days early, full account and routing details, and instant ACH visibility.
App + secure web banking, one account
Banking built for how you actually live
Open a checking and high-yield savings account in minutes. Move money, control your cards, and see every transaction — from your phone or any browser, no download required.
- 4.15%
- Savings APY
- 2 days
- Early direct deposit
- 55,000+
- Fee-free ATMs
Available balance
$8,642.19
AddSendRequest
Payroll — Halcyon Labs
Aug 21
Blue Bottle Coffee
Aug 21
Transfer to Savings
Aug 20
Whole Foods Market
Aug 20
One account. Every device. No compromises.
The iOS app, Android app, and secure web portal all connect to the same ledger, payment rails, and security systems.
4.15% APY savings
Automatic savings rules and goal buckets that round up, sweep, and schedule on your terms.
Debit and virtual cards
Freeze in a tap, set per-card spend limits, and spin up single-merchant virtual cards instantly.
Money that moves
P2P payments, requests, bill pay, and ACH transfers — each with a reference ID and full audit trail.
Security by default
MFA, biometrics, device verification, and continuous transaction monitoring on every session.
Double-entry ledger
Every cent is recorded as balanced debits and credits, reconciled against our banking partners daily.
Open your account in four steps
Identity verification, KYC, AML, and sanctions screening happen before your account activates — usually in under five minutes.
Start now- 1
Create your profile
Email, phone, and a passcode secured with MFA.
- 2
Verify your identity
Government ID, selfie match, and SSN verification.
- 3
Receive your account
Account and routing numbers, plus a virtual card instantly.
- 4
Add money and go
Direct deposit, ACH pull, or a transfer from a linked bank.
Hours & where to find us
Northstar National Bank is a digital-first bank. Your accounts, cards and transfers are available around the clock in the secure portal; our people are available during the hours below.
Service hours
- Online and mobile banking
- 24 hours, every day
- Phone and chat support
- Mon–Fri, 8:00am–8:00pm ET
- Weekend support
- Sat–Sun, 9:00am–5:00pm ET
- Card and fraud hotline
- 24/7
- Customer care line
- +1 (218) 552-5565
Locations
We have no branch lobbies — everything happens in the app and the web portal. Cash is handled through our fee-free ATM network of 55,000+ machines nationwide, and deposits arrive by direct deposit, ACH or a transfer from a linked bank.
Reach Member Services:
+1 (218) 552-5565
Northstarnationalbank@gmail.com
Your accounts
Already a customer? Jump straight to balances, transfers, cards and statements in the secure banking portal.
Northstarnationalbank@gmail.com
Biometrics Encrypted end to end Partner-bank ledger
Ready when you are — on iPhone, Android, tablet, or the web.
Northstar National Bank is a demonstration digital bank. This is a product demonstration; no real accounts, funds, or transfers are involved.