Choose the Checking that Fits Your Lifestyle

Northwest Federal offers 4 checking account options with unique features to benefit your lifestyle and your wallet:

  • Choice Checking
  • Elite Checking
  • Kasasa Cash® Checking
  • Kasasa Cash Back® Checking

Learn more about the benefits each checking account provides in the tabs below or view our Checking Comparison Chart and then open the Northwest Federal checking account that works best for you! 

Use our ClickSWITCH® service to easily move your account relationship from another financial institution to Northwest Federal.

Please note:  If you already have a Northwest Federal checking account and you'd like to convert it to a different type of checking account, contact our Member Service Center (844-709-8900 toll-free) or stop by one of our branches.  

Apply For a Checking Account

Select Your Favorite Features to Choose the Right Checking for You

Free Checking & box of checks

FREE Choice Checking provides value to members who write checks and prefer a no-frills account without having to sacrifice convenient service options like free transactions at network ATMs nationwide.

  • No minimum balance requirements
  • No monthly maintenance fees
  • Free first box of checks
  • Unlimited check writing
  • Free transactions at 30,000+ ATMs nationwide
  • Convenient services available, including: Direct Deposit, eStatements, Debit Mastercard, Online Banking, Mobile Banking, and more

Open free Choice Checking today!

Apply For A Checking Account

Earn Dividends & Get Free Checks

Elite Checking benefits members who frequently write checks, make regular deposits to their checking account, and expect to maintain a minimum monthly balance of $5,000.

  • Monthly dividends
    • Earn standard dividend of 0.05% APY*
      or
    • Earn 0.15% APY* with $1,000 minimum in deposits per month to Elite Checking
  • Free check re-orders
  • Free transactions at 30,000+ ATMs nationwide
  • Up to $10 in ATM fees refunded monthly at STAR and Cirrus ATMs**
  • Convenient services available, including: Direct Deposit, eStatements, Debit Mastercard, Online Banking, Mobile Banking, and more

Please note: You must maintain minimum average monthly balance of $5,000 in Elite Checking to avoid $10 monthly maintenance fee.

Open Elite Checking today!

Apply For A Checking Account

*APY=Annual Percentage Yield. Fees may reduce earnings on accounts. Dividends are compounded daily and paid monthly. Rate current as of December 1, 2019 and are subject to change without notice. Rate may change after the account is opened.

**Elite Checking account holders will be refunded a total of $10 in out of network fees and ATM surcharge fees each month. Elite Checking ATM refunds of up to $10 will be credited at month-end.

High Dividends for debit users

Northwest Federal’s FREE Kasasa Cash® Checking benefits debit card users who want to earn the highest dividend rate we offer on checking accounts:

  • 2.00% APY on the first $25,000*
  • 0.25% APY on portion of balance above $25,000*

You’ll need a minimum deposit of $100 to open your Kasasa Cash® Checking account. Then, you’ll earn our highest checking account dividend rate and enjoy unlimited ATM fee refunds provided you meet these monthly qualifications:

Open your FREE Kasasa Cash® Checking today!

Apply For A Checking Account

Once you’ve opened your Kasasa Cash® checking account, open our Kasasa Saver savings account for even greater benefits.

 
*APY = Annual Percentage Yield. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $25,000 receive APY of 2.00%; and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000, resulting in an annual percentage yield for this tier ranging from 2.00% to .48% APY depending on the account’s balance. When Kasasa Cash qualifications are not met, all balances in the account earn .05% APY. Dividends will be credited to your Kasasa Cash account on the last day of statement cycle. APYs accurate as of 12/1/2019. Rates and rewards are variable and may change after account is opened. $100 minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Rewards less than a penny cannot be distributed. This account is not to be used for commercial purposes. Each individual is limited to being the primary owner on 1 (one) account.  In order to receive reimbursement of all ATM fees incurred in a statement cycle your account qualifications must be met during the Monthly Qualification Cycle. Qualifications must be met during the Monthly Qualification Cycle. Monthly qualification cycle means the period beginning on the last day of the previous month and closing one (1) day prior to the last day of the current month. Debit card transactions may take one or more days to post to the account and must post during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM transactions, Debit card purchases processed by merchants as ATM transactions, transactions made with debit cards not issued by Northwest Federal.
 
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Cash Back

Northwest Federal's FREE Kasasa Cash Back® Checking rewards frequent debit card users on purchases:

  • Earn 2.00% cash back on up to $300 of everyday debit card purchases* ($6 maximum cash back per month)

There’s no minimum balance to open your Kasasa Cash Back® Checking.  Plus, you’ll earn debit card rewards and enjoy unlimited ATM fee refunds* as long as you meet these monthly qualifications:

Open your FREE Kasasa Cash Back® Checking today!

Apply For A Checking Account

Once you’ve opened our Kasasa Cash Back® Checking, open a Kasasa Saver savings account to automatically save your cash back on debit card purchases to your Saver account.

*When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 2.00% cash back on up to a total of $300.00 in debit card purchases that post to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. Rates and rewards are variable and may change after account is opened. There are no recurring monthly maintenance charges or fees to open or close this account. Rewards less than a penny cannot be distributed.This account is not to be used for commercial purposes. Each individual is limited to being the primary owner on 1 (one) account. In order to receive reimbursement of all ATM fees incurred in a statement cycle your account qualifications must be met during the Monthly Qualification Cycle. Qualifications must be met during the Monthly Qualification Cycle. Monthly qualification cycle means the period beginning on the last day of the previous month and closing one (1) day prior to the last day of the current month. Debit card transactions may take one or more days to post to the account and must post during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM transactions, Debit card purchases processed by merchants as ATM transactions, transactions made with debit cards not issued by Northwest Federal.

Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.