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This account starts at free and gets better — earn high interest and refunds on ATM withdrawal fees, nationwide*.

Key Features

  • Earns High Interest
  • No Minimum Balance
  • No Monthly Fees
  • Free checking that pays high interest
    • 1.26% APY* on balances up to $25,000 if qualifications are met
    • 1.26% to 0.50% APY* (depending on balance) for balances above $25,000 if qualifications are met
    • 0.10% APY* on all balances when qualifications are not met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Includes digital banking services:
    • Free online banking and bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • Free Mastercard® debit card
  • $100 minimum deposit to open 

Easy Rewards, Your Way

Enrollments must be in place and all of the following transactions and activities must post and settle to your Freedom Checking account during each Monthly Qualification Cycle:

  • Have at least 15 debit card purchases post and settle
  • Have at least 1 automatic payment or direct deposit post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in online banking

That's it. Even if you don't meet your qualifications during the cycle, your Freedom Checking account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!

*Annual Percentage Yield (APY) accurate as of 6/6/18. Qualifications, limits and other requirements apply. See financial institution for details. If qualifications are met each monthly qualification cycle: (1) **Nationwide ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 1.26%, and (3) balances above $25,000 earn 0.25% interest rate on portion of balance over $25,000, resulting in 1.26%-0.50% APY depending on the balance (the 0.50% APY is based on a $100,000 balance.) If qualifications are not met, all balances earn 0.10% APY. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and settle during the monthly qualification cycle. "Monthly Qualification Cycle" means a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the close of the current statement cycle. ATM withdrawals do not count as qualifying debit card purchase transactions for purposes of earning rewards within this account. Please note that transactions MUST post and settle to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post to and settle an account. Available to personal use accounts only. Limit one account per social security number.