Positive Pay

Stop check fraud in its tracks.

Reduce your risk by submitting a list of check and ACH transactions to a secure website at the end of each day. We’ll compare checks against the file you provide to identify anything suspicious.

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Features You’ll Love

Block unauthorized or suspcious transactions
Reduce risk of financial loss
Set filters tailored to your business

Effective anti-fraud tool
Reduce exposure to check and ACH fraud
Gain peace of mind knowing your payments are protected
Stop loss of funds
Block unauthorized checks and debits from posting to your account

Check Positive Pay

At the end of each business day, your company electronically submits an issued check file to the secure website.
Each night after posting the incoming checks, First Northern Bank compares the checks against your issued check file.
If a check is found that does not match the issued check information or has already been marked as "paid," it will be listed on an "exception report."

We will notify you via email that you have an exception item to review. Let us know if any of these items are fraudulent or inaccurate, and we will quickly correct or return the checks to the bank of first deposit.

ACH Positive Pay

For ACH debits and credits, your business creates and manages an approved vendor list.
If an ACH transaction received is not on the approved vendor list, First Northern Bank will notify you in the form of an email.
Upon receipt of the email, simply log in to ACH Positive Pay to accept or reject the item.

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Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

Estimated Annual Rewards $0
Estimated monthly interest earned* $0
Monthly ATM fees refunded**$0

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*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25.

Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

Net cost of buying $0
Net cost of leasing $0

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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

Total value at maturity $0
Total interest earned $0
Annual Percentage Yield (APY)0.000%

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Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.