Regular Checking
Designed for customers to have deposit and check writing capabilities with additional benefits.
Regular checking basics
With any account, you can enjoy:
- Free Online and Mobile Banking
- Free Online Bill-Pay Services
- Free ATM and Debit Card
Personal Checking
Designed for customers who want to earn interest on their balances.
personal checking basics
VIP Checking
Designed for customers who maintain high balances and want to earn premium interest.
VIP checking basics
Account Terms
| Options | Regular Checking | Personal Checking | VIP Checking |
|---|---|---|---|
| Min. Opening Balance | $50 | $500 | $1,000 |
|
Min. Monthly Balance
|
$300 | $500 | $1,000 |
|
Monthly Service Charge
|
$3 | $5 | $10 |
| Interest Bearing | No | Yes | Yes |
Deposit Rates
Rates Effective 06/02/26 Until Adjusted
| Type | Min/Opening Balance | Interest Rate (%) | APY** |
|---|---|---|---|
| Personal Checking | $500 | 0.35 | 0.35 |
| VIP Checking | $1,000 | 0.45 | 0.45 |
*A service fee will be charged if balance falls below minimum balance. Seniors and students may be exempt from the monthly service fees. A penalty may apply for early withdrawal on Time Certificates of Deposit.
*APY on Personal Checking, Patriot, VIP Checking, Money Market, and Health Savings accounts are based upon monthly compounding of interest
Our Accounts Team
| Buffalo | Douglas | Gillette | Newcastle | Sheridan |
|---|
Douglas
 Stacey Hessler
|
|
 Lindsey Stearns
lstearns@firstnorthern.bank |
Gillette
 Justin Esquibel
jesquibel@firstnorthern.bank |
 Faith Glover
fglover@firstnorthern.bank |
 Avree Cundall
acundall@firstnorthern.bank |
Newcastle
 Melinda Giesness
|
 Dillon Ehlers
dehlers@firstnorthern.bank |
 Micole Miller
mmiller@firstnorthern.bank |
 Tina Wilson
twilson@firstnorthern.bank |
Sheridan
 Erin Legerski
elegerski@firstnorthern.bank |
 Anna Hollen
ahollen@firstnorthern.bank |
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