Northland Area Federal Credit Union offers its members the best checking account in the area!

Here’s why: 

  • Free Debit Card
  • Free Online Banking
  • Free Electronic Statements
  • Overdraft Protection – available through your savings account
  • No per check charge
  • No monthly service charge
  • No minimum balance required
  • Direct Deposit available
  • Federally insured by NCUA

Need Checks?

We're excited to announce our new partnership with Deluxe Corporation for check orders!

Keep using the checks you have, but once you start running low, please contact your branch or call center representative to place your first order with Deluxe. (After the initial order, you'll be able to place future orders through Home Banking if you wish.)

Questions? Call 989-739-1401

No checking account is complete without these complimentary services:

Debit Card

Northland's debit card offers the convenience of accessing your accounts to make quick and easy purchases up to $1,500.00 per day without the hassle of writing a check. Debit card transactions, up to 15 per day, are accepted anywhere you see the MasterCard logo and the funds are automatically deducted from your checking account. ATM access is available 24 hours, 7 days a week from machines worldwide. There is never a surcharge when used at Northland’s ATMs or other credit union machines that carry the CO-OP Network logo. Please visit our ATM page for more information.  

Direct Deposit

Don’t spend another payday in line, instead sign up for Direct Deposit. Have your pay or retirement funds deposited right into your account, saving you valuable time. It’s fast, safe, simple and secure.

To sign up for Direct Deposit provide your employer or retirement fund manager your full account number and Northland’s routing number (2724-8602-5).

To learn more about the benefits of Direct Deposit and find out why it's the best way to get your Social Security and other federal benefit payments, visit

C.O.R.A. Automated Phone Banking

Courteous, Optional, Reliable, and Available 24 hours, with this convenient automated phone service you can:

  • Check current available balances
  • Verify automatic & payroll deposits
  • Review transactions
  • Transfer funds
  • Advance a line of credit
  • Make loan payments
  • Review history
  • Report a lost/stolen credit card or debit card

Use this convenient service to compliment
home banking when access to a secure internet connection is not available, or on its own to access your account by phone 24/7.

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