Playground at a public school

Muni NOW Checking

Earn interest on public funds.


Need an interest-bearing account for a municipality, school, tax collection office, government agency, or public procurement unit?

Consider the Muni NOW Checking Account from First Northern Bank and Trust. Compliant with PA Act 72, a statute that enables financial institutions to pledge collateral on a pooled basis to secure public deposits in excess of FDIC insurance limits, this account can help your organization operate more efficiently. 

Account Details and Features



Open a Muni NOW Checking Account.

Call 1-800-344-2274 or visit any branch location.

Once the account is open, you can enroll in Online Banking, request that your preferred features be enabled, and download the First Northern Bank and Trust Co. Mobile App.

Already have an account enrolled in Online Banking? To add or remove services, please use the Online Banking Addendum. To submit the form, visit our contact page to request instructions to upload the document online, mail it to your preferred branch location, or drop it off at your convenience.


There is no fee for the First Northern Bank and Trust Co. Mobile App but connectivity and usage rates by your carrier or internet provider may apply. Contact your wireless service provider for more details. Deposits are subject to verification and are not available for immediate withdrawal. Deposit limits and other restrictions apply. iPhone®, iPad®, and App Store® are registered trademarks of Apple Inc. Android® and Google Play® are trademarks of Google LLC.

Eligibility Requirements. This account is available to eligible local townships, municipalities, tax collectors, district judges, and county commissioners.

Rate Information. View current rates.

Compounding and Crediting. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive the accrued interest. The accrued interest must be over $1.00 to receive the accrued interest.

Minimum Balance Requirements. No minimum balance requirements apply to this account.

Dormant and Inactive Account Information. A dormant account fee of $5.00 per month will be charged after 1 year of inactivity.

Processing Order. Items are paid from current funds using the following method: Internal items, POS items, ATM items, over the counter checks (serial number order), ACH items, all other checks (serial number order).

The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

Balance Computation Method. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual on Non-Cash Deposits. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Transaction Limitations. No transaction limitations apply to this account.

Additional Information Regarding Your Account. This account is not a consumer account to which Truth In Savings applies.

Check Standards: You agree to only write or deposit checks that are written in an ink type or color (blue or black) that reproduces clearly when imaged or copied. You also agree that you will not write or deposit checks that bear designs, security features, or other elements that prevent the check from being imaged or copied with all of its necessary elements being reproduced clearly.

Substitute Checks: You agree that you will not, without the Bank's express written consent, deposit any substitute check into an account.

Fees and Charges. For information about fees and charges associated with this account, view our Schedule of Service Fees.

MasterMoney is a registered trademark of Mastercard International Incorporated.