Set up qualifying direct deposits of $1,000+ within 90 days. Offer for new customers.
See offer details
High-Yield Savings with no minimum balance, no monthly fees and daily compounding.
Start saving
Borrow $500 to $25,000 with no collateral on first loans and free business coaching.
Apply for a micro-loanEarn 3% cash back in the category of your choice, 2% at grocery stores, and unlimited 1% on everything else — with no annual fee.
Since 2009, Northern Accses has helped entrepreneurs, families and first-time savers access fair, transparent financial services — wherever they’re starting from.
Everything you need to manage your accounts is in the Northern Accses app — rated 4.8 stars by over 200,000 customers.
Move money between accounts or send to friends in seconds.
Snap a photo and deposit checks from anywhere.
Automatic categories and monthly trends.
Know about deposits, low balances and purchases instantly.
Multiple layers of protection keep your money and information safe, 24 hours a day.
You’re not responsible for unauthorized transactions reported promptly.
Log in with face or fingerprint on supported devices.
We text you the moment we see something unusual.
Misplaced your card? Lock it in one tap, unlock when found.
“My first micro-loan was $1,500 for a second oven. Four loans later, I have three employees. Northern Accses grew with me.”
“Early direct deposit and the app’s spending insights changed how I manage week to week. Moving money takes seconds.”
“No monthly fee, real-time alerts and a starter card that helped me build credit before I even graduated.”
Open an account online in about 5 minutes. All you need is an ID and your Social Security number.
