Everyday Checking
No monthly fee, full account and routing numbers, direct deposit up to two days early, and 55,000+ fee-free ATMs.
- No minimum balance
- Early direct deposit
- Instant transaction alerts
Everything in one account
Our banking services
Personal deposit accounts, money movement, cards and records — plus business banking as your company grows. Every service runs on the same ledger and the same security controls.
Personal banking
High-Yield Savings
Earn 4.15% APY with automatic savings rules, round-ups and goal buckets you can schedule on your own terms.
- 4.15% APY
- Goal buckets
- Automatic sweeps
Debit & virtual cards
Issue a virtual card in seconds, freeze a card in one tap, and set a monthly spend limit per card.
- Freeze / unfreeze
- Per-card limits
- Instant replacements
Transfers & payments
ACH transfers, person-to-person payments and requests, plus scheduled bill payments — each with a reference ID.
- ACH in and out
- P2P send & request
- Scheduled payments
Statements & records
Monthly statements per account, downloadable transaction history, and a full audit trail on every payment.
- Monthly statements
- CSV export
- Status timeline
Security & fraud
Multi-factor sign-in, device verification, continuous monitoring and a fraud team that reviews every alert.
- MFA & biometrics
- 24/7 fraud watch
- Card lock
Business banking
Built for sole traders, startups and established companies. Tell us what you need and our team will set your company up.
Business checking
Company accounts with roles and approvals for owners, bookkeepers and staff.
Merchant services
Accept card payments and settle into your Northstar account with clear fee reporting.
International transfers
Send money abroad with up-front exchange rates and tracked delivery.
Not sure which account fits?
Call +1 (218) 552-5565 during service hours, or send us a message and we will reply by email.