Personal Checking

Main

The checking account that changes as you do

Our Northrim Flex Checking product is one unique account with four different tiers. Each month, we automatically review your account to ensure you are in the appropriate tier where your activity will waive the monthly account maintenance fee. It adjusts as your lifestyle changes and it's our tailored way of making sure you are always getting the most benefit from your account.


Flex Checking

Features Simple Tier Direct Tier Power Tier President's Club Tier
Minimum opening deposit $100 $100 $100 $100
Monthly account maintenance fee $0 $5
(waived with a monthly direct deposit)
$8
(waived with daily min. balance of $1,000+)
$12
(waived with daily min. balance of $6,000+ or a combined balance of $10,000+ in Personal Savings, Money Market, IRA, or CD accounts)
Interest No Yes
View Rates
Yes, two tiers of interest
View Rates
Yes, three tiers of interest
View Rates
Benefits

ATM surcharges and/or Northrim out-of-network fees up to $10 waived upon request for domestic transactions

ATM surcharges and/or Northrim out-of-network fees up to $10 waived upon request for domestic transactions

Monthly bill payment fee of $5.95 waived

ATM surcharges up to $10 waived upon request for domestic transactions

Monthly bill payment fee of $5.95 waived

Northrim out-of-network fees waived automatically for domestic transactions

Qualifies for bonus interest rate on the Alaska CD1

Northrim out-of-network fees waived for domestic transactions

Monthly bill payment fee of $5.95 waived

Northrim out-of-network fees waived automatically on international transactions up to $1.50 for international transactions

Qualifies for bonus interest rate on the Alaska CD1

Safe Deposit Box discount of 20% for up to two qualifying Safe Deposit boxes2

ATM surcharges waived automatically up to $3 per charge

Incoming Wire Transfer fees waived3

 

 

1The Alaska CD will receive the bonus interest rate at the time this Qualifying Account is added to the established relationship group. The bonus interest rate applies to only one Alaska CD Account. View Rates for the Alaska CD

2In order to receive the 20% discount on up to two Safe Deposit Boxes, the Anchor Account must be in the Flex Checking President's Club tier at the time the annual Safe Deposit Fee is billed. The Safe Deposit Box billing is generated approximately 45 days prior to the Safe Deposit Box annual renewal.

3Incoming Wire Transfer fees are waived for the Flex Checking President's Club tier Anchor Account. Any Qualifying Accounts including other Flex Checking Accounts, regardless of tier, that are part of the relationship group will NOT receive this benefit.

Every month we will review your banking relationship and automatically determine your tier level. Initially, accounts opened online will default to the Direct tier. If you qualify for a higher tier, you will be automatically moved to that tier level. If you qualify for a lower tier, you will have a 30 day grace period before you move to the lower tier. The grace period allows you additional time to take advantage of the current tier benefits. If your Account still does not meet the tier qualifications during the next review period, your Account will automatically move to the lower tier. Monthly Account maintenance fees are waived during the grace period. Account and relationship activity is reviewed monthly on the third business day before the end of the month.
You may also request to remain in a particular tier if you prefer.

Refer to Northrim's Personal Fee Schedule for more details on service fees.

For specific account details, terms, and conditions, see the Terms and Conditions document .


Specialty checking account options

We offer two specialty checking account options for loyal Northrim customers and customers 50 years of age and older.

Features Loyalty Club 50 Plus
Qualification requirements Refer 4+ new customers to Northrim1 Be 50 years of age and older
Minimum opening deposit $100 $100
Monthly account maintenance fee $0 $0
Interest Yes  View Rates Yes  View Rates
Benefits

ATM surcharges up to $10 waived upon request for domestic transactions

Monthly bill payment fee of $5.95 waived

Northrim out-of-network fees waived automatically for domestic transactions

Qualifies for bonus interest rate on one Alaska CD Account2

ATM surcharges up to $10 waived upon request for domestic transactions

Monthly bill payment fee of $5.95 waived

Open Online Not available at this time

 

1Requires referral of four new customers to Northrim who notify us of your recommendation when opening a new account and provide written consent.

2The Alaska CD will receive the bonus interest rate at the time this account is added to the relationship group. The bonus interest rate applies to only one Alaska CD account.

Refer to Northrim's Personal Fee Schedule for more details on other service fees.

Check out Northrim checking

With a Northrim checking account, you'll have access to all kinds of benefits like these:

Online Banking

Online Banking

Convenient online banking from your desktop computer, including Online Bill Pay.

Learn More

Mobile Banking

Mobile Banking

Manage your money whenever and wherever you are.

Learn More

Personal Finance

Personal Finance

Use our Personal Finance tool to budget and manage your money.

Learn More

Fee-Free ATMs

Fee-Free ATMs

Enjoy fee-free Northrim and MoneyPass® network ATM transactions.

Find ATMs

Debit Card

Debit Card

Convenience, safety and better control of your money with our Northrim Debit Card.

Learn More

Overdraft Protection

Overdraft Protection

Have peace of mind and help to avoid the inconvenience of a rejected check or debit card transaction.

Learn More