Early Pay is Here!
You now have access to your direct deposit—including paychecks, tax refunds, retirement, and social security—up to two business days sooner.
Early Pay is a free service available on eligible Northwest accounts. Early access to direct deposit will not occur on weekends or holidays and is based on when the originator provides payment details.

Northwest Federal’s FREE Kasasa Cash® Checking benefits debit card users who want to earn the highest dividend rate we offer on checking accounts:
- 1.00% APY on the first $15,000*
- 0.25% APY on portion of balance above $15,000*
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 ATM fee refunds** provided you meet these monthly qualifications:
- Enroll in eStatements for your monthly account statement instead of paper
- Complete 12 debit card purchases each qualification cycle
- Access Online Banking at least once each qualification cycle
Plus, once you’ve opened your Kasasa Cash® Checking account, open our Kasasa Saver Account for even greater benefits.
Open your FREE Kasasa Cash® Checking today!
Join Today and Open Checking or Login to Online Banking to Open Checking
*APY = Annual Percentage Yield. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, Balances less than or equal to $15,000 receive APY of 1.00%; and balances over $15,000 earn 0.25% APY on the portion of balance over $15,000, resulting in an APY for this tier ranging from 1.00% to 0.36% APY depending on the account’s balance. When Kasasa Cash qualifications are not met, all balances in the account earn 0.02% APY. Dividends will be credited to your Kasasa Cash account on the last day of statement cycle. APYs accurate as of 4/01/23. 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 one account. In order to receive reimbursement of domestic ATM fees (up to $30/month) incurred, your account 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 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.
**See Kasasa account disclosures for ATM fee refund restrictions.
See Monthly Qualification and Statement Cycles.
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Northwest Federal's FREE Kasasa Cash Back® Checking rewards frequent debit card users on purchases:
- Earn 1.00% cash back on up to $300 of everyday debit card purchases* ($3 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 ATM fee refunds* as long as you meet these monthly qualifications:
- Enroll in eStatements for your monthly account statement instead of paper
- Complete 12 debit card purchases each qualification cycle
- Access Online Banking at least once each qualification cycle
Once you’ve opened your Kasasa Cash Back® Checking account, open a Kasasa Saver Account to automatically save your cash back on debit card purchases to your Saver account.
Open your FREE Kasasa Cash Back® Checking today!
Join Today and Open Checking or Login to Online Banking to Open Checking
*When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 1.00% 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 $3.00 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 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. See Kasasa account disclosures for ATM fee refund restrictions. 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.
See Monthly Qualification and Statement Cycles.
Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
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, Visa® Debit, Online Banking, Mobile Banking, and more
Open a free Choice Checking Account today!
Join Today and Open Checking or Login to Online Banking to Open Checking
Visa is a registered trademark of Visa International Service Association.
Elite Checking benefits members who frequently write checks, make regular deposits to their checking account, and expect to maintain a minimum daily balance of $5,000.
- Monthly dividends
- Earn standard dividend of 0.02% APY* or
- Earn 0.07% APY* with a deposit of $1,000 per month to Elite Checking
- Free check reorders
- Free Cashier's Checks
- Free transactions at 30,000+ ATMs nationwide
- Up to $10 per month out of network ATM fee refunds available**
- Convenient services including: Direct Deposit, eStatements, Online Banking, Visa® Debit, Mobile Banking, and more
Open your Elite Checking Account today!
Join Today and Open Checking or Login to Online Banking to Open Checking
Please note: You must maintain a minimum average daily balance of $5,000 in Elite Checking to avoid $10 monthly maintenance fee.
*APY=Annual Percentage Yield. Fees may reduce earnings on accounts. Dividends are compounded daily and paid monthly. Rate is 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.
Visa is a registered trademark of Visa International Service Association.
Compare Our Checking Accounts
Compare the benefits of each checking account below and then open the Northwest Federal Checking account that works best for you!
Feature | Choice Checking | Elite Checking |
Kasasa Cash® |
Kasasa Cash Back® |
---|---|---|---|---|
Dividend-earning account | No dividends |
0.02% APY1 or |
1.00% APY on the first $15,0002 0.25% APY on portion of balance above $15,0002 (if qualifications are met)3 |
No dividends |
Rewards | No rewards | No rewards | No rewards | Earn 1.00% cash back on debit card purchases up to $3004 ($3 maximum per month) if qualifications are met3 |
Monthly fee | No monthly fee |
$10 monthly fee if average daily balance falls below $5,000 |
No monthly fee | No monthly fee |
FREE ATM transactions |
FREE transactions at CO-OP ATM™, Alliance One®, CULIANCE®ATM5 and Northwest Federal ATMs |
FREE transactions at CO-OP ATM™, Alliance One®, CULIANCE® ATM5 and Northwest Federal ATMs Up to $10 per month out of network ATM fee refunds available6 |
Nationwide, ATM fee refunds (if qualifications are met)3,7 |
Nationwide, ATM fee refunds (if qualifications are met)3,7 |
FREE Northwest Federal custom logo checks8 |
Free first box of checks | Free check re-orders | Free first box of checks | Free first box of checks |
Unlimited check writing | ■ | ■ | ■ | ■ |
FREE Cashier's Checks | N/A | ■ | N/A | N/A |
FREE Visa® Debit | ■ | ■ | ■ | ■ |
FREE Point-of-Sale cash back |
■ | ■ | ■ | ■ |
FREE Online Banking and Bill Pay |
■ | ■ | ■ | ■ |
FREE eStatements | ■ | ■ | ■ | ■ |
FREE Telephone Banking | ■ | ■ | ■ | ■ |
FREE Mobile Banking app & Mobile Deposit®9 | ■ | ■ | ■ | ■ |
FREE Direct Deposit of your funds |
■ | ■ | ■ | ■ |
1 APY=Annual Percentage Yield. Fees may reduce earnings on accounts. Dividends are compounded daily and paid monthly. Rate current as of 4/1/23 and subject to change without notice. Rate may change after the account is opened.
2 APY = Annual Percentage Yield. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, Balances less than or equal to $15,000 receive APY of 1.00%; and balances over $15,000 earn 0.25% APY on the portion of balance over $15,000, resulting in an APY for this tier ranging from 1.00% to 0.36% APY depending on the account’s balance. When Kasasa Cash qualifications are not met, all balances in the account earn 0.02% APY. Dividends will be credited to your Kasasa Cash account on the last day of statement cycle. APYs accurate as of 4/1/23. 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 one account. In order to receive reimbursement of domestic ATM fees (up to $30/month) incurred, your account 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 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.
3 Monthly qualifications are: enrollment in eStatements, completion of 12 debit purchases, and at least one login to Online Banking.
4 When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 1.00% 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 $3.00 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. Each individual is limited to being the primary owner on 1 (one) account. 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.
5 No Northwest Federal fee and no surcharge fees apply.
6 Elite Checking account holders will be refunded a total of up to $10 in out of network fees and ATM surcharge fees each month. Refunds will be credited at month end.
7 In order to receive reimbursement of up to $30 of ATM fees incurred in a statement cycle your account qualifications must be met during the Monthly Qualification Cycle.
8 To receive Northwest Federal logo checks at no charge, your order must be limited to one box per order. Any number of boxes exceeding one per order will be charged to your account.
9 Message and data rates may apply for mobile banking. Message frequency depends on account settings. To get help with Mobile Banking, call us toll-free at 844-709-8900. Mobile Deposit is a registered trademark of Mitek Systems, Inc. Qualification criteria apply for Mobile Deposit. Mobile Deposit is available for iPhone 4 and later, iPad 3 and later and most Android devices enabled with a camera. iPhone and iPad are registered trademarks of Apple Inc. Android is a trademark of Google Inc.
Fees are subject to change.
Kasasa, Kasasa Cash, and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
Visa is a registered trademark of Visa International Service Association.
ClickSWITCH is a registered trademark of ClickSWITCH, LLC.