At Freedom First, we pay you for checking.

Earns Dividends
For you if you have direct deposit and want to earn up to 5.00% APY1 on your Average Daily Balance.


Most Popular
For you if you have direct deposit and use your debit card often to earn 2% cash back2 on purchases.

Simple Checking
For you if you don’t have direct deposit or if you just want a simple, easy-to-use checking account.










Already applied? You can check on your application at the link below.

All of our checking accounts include these benefits:

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No minimum balance required
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Remote check deposit in as little as 15 minutes3
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50,000+ fee-free ATMs4
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Free credit score monitoring
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Free budgeting tool
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Control & protect your card
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Frequently Asked Questions

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Disclosures
1Annual Percentage Yield (APY) as of 2/1/24. Monthly Direct Deposit of $5,000 or more to receive the 5.00% APY on Average Daily Balance (ADB) up to $10,000, 0.15% APY on ADB above $10,000 up to $1,000,000. Monthly Direct Deposit of $1,000 or more to receive 0.50% APY on ADB up to $10,000, 0.10% APY on ADB above $10,000 up to $1,000,000. Fees could reduce earnings on the account. APY could change after account opening.
 
2Freedom Cash® and Freedom Stash® checking accounts will pay perks on the last day of each month, based on account activity in that month on the condition that the member is enrolled in Direct Deposit of at least $1,000. If Direct Deposit into the account drops below $1,000 for two consecutive months, the Monthly Account Fee of $9 will be charged for each month that Direct Deposit continues to remain below $1,000. The Monthly Account Fee will be waived for the first two consecutive months after the new account opening, regardless of Direct Deposit amount during that time. Fees may reduce earnings. "Direct Deposit" is defined as ACH deposits only and will not include check or cash deposits done either in-branch or remotely. ACH deposits may be any combination of your paycheck, social security check, dividend deposits, and other such automated deposits. Call us at 540-389-0244 (local) or 866-389-0244 (toll-free) with questions about what qualifies as an ACH deposit. Download the Direct Deposit Form here. "Enrolled in eStatements" is defined as being enrolled only in eStatements and not receiving a paper statement. Accounts receiving a paper statement will be subject to the Paper Statement Fee of $2. An e-sign will be required to sign up for eStatements.

3Deposit limits determined by account history and other factors. Freedom First Mobile is a free service from Freedom First Credit Union, but your mobile carrier's data and text rates may apply. Deposit Anywhere is a free service that lets members deposit checks over the internet using smartphones, mobile devices, and tablets.
 
4Surcharge-free ATMs are a part of the CULIANCE ATM network and can be identified by the presence of a CULIANCE, MoneyPass or Allpoint logo.
 
5With monthly Direct Deposit of at least $1,000 up to 2 nationwide out-of-network ATM fees will be refunded, and with monthly Direct Deposit of at least $5,000 up to 4 nationwide out-of-network ATM fees will be refunded.