Northwest Federal offers four checking account options with unique features to benefit your lifestyle and your wallet.

Choose the Checking That Fits Your Lifestyle

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:

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!

*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 12/01/21. 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.

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:

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!

*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.

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!

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 monthly balance of $5,000.

  • Monthly dividends
    • Earn standard dividend of 0.02% APY* or
    • Earn 0.07% APY* with $1,000 minimum in deposits per month to Elite Checking
  • Free check reorders
  • 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!

Please note: You must maintain a minimum average monthly 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.

Open Your Checking Account Today
  1. Login to Online Banking and click "Apply"
  2. Call us: 703-709-8900 or 844-709-8900 (toll-free)
  3. Stop by a branch

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
0.07% APY1 with
$1,000 minimum in deposits
per month

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 $300($3 maximum per month) if qualifications are met3
Monthly fee
(if average monthly checking account balance falls below minimum)
No monthly fee $10 or maintain minimum checking account balance of $5,000 No monthly fee No monthly fee
FREE
ATM transactions
FREE transactions at
CO-OP ATM, Alliance One®, CULIANCE®ATMand
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 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 12/1/21 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 12/1/21. 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.

Checking That Fits Your Lifestyle

Benefits of Checking with Northwest Federal:

  • No minimum balance requirements
  • No monthly maintenance fees
  • FREE first box of checks
  • FREE transactions at 30,000 ATMs nationwide
  • FREE Mobile Banking with Bill Pay and Mobile Deposit®