Best For:

  • Paying bills, shopping, and more
  • 360-degree coverage with perks

A Dozen Unique Perks!

Icon of shopping bag with coinShop Local, Save Local:1 Local discounts and national retailer deals to save you money on shopping, dining, travel, and more.

Icon of heart with life monitor lineHealth Savings Card: Save money on prescriptions, eye exams, frames, lenses, and hearing services.

Icon of cracked smartphoneCell Phone Protection:2, 3 Pay your cell phone bill with your Freedom Perks checking account, and you're covered. We'll pay to have it repaired or replaced, up to $800 per claim (maximum of $1,600 per year).

Icon of steering wheelRoadside Assistance: Available 24/7 and free to use, up to $80 in covered service charges including towing assistance, battery service, flat tire assistance, fuel, oil, fluid, water delivery, lock-assistance, collision assistance, and extrication assistance.

Icon of suitcase with shield Travel Accidental Death Coverage:3 Peace of mind for the unexpected when traveling. This benefit covers loss of life due to an accident while traveling by licensed airplane, bus, taxi, train, or as a private passenger in an automobile.

Icon of person's silhouette in a stop signIdentity Theft Aid:2, 3, 4 Includes personal identity theft reimbursement up to $2,500 on covered expenses, payment card fraud resolution, credit monitoring, credit reports, and identity monitoring on public records, change of address, social security, and even non-credit loans. 

Icon of shield with dollar signBuyer's Protection & Extended Warranty:2, 3 Items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 90 days of purchase, when bought with your Freedom Perks checking account.

Icon of shark fin with dollarBillshark:4 Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf. Or cancel subscriptions you no longer want or need!

Icon of gas fuel pumpBaZing Fuel:5 If you swipe your Freedom Perks debit card at least 15 times each month, you can earn a discount of 10 cents per gallon for up to 20 gallons on gas.

Icon of open document with check markTax Filing:4 Prepare and e-file (or print) your federal tax return for free with

Icon of hand holding dollar signEstate Planning with Financial Wellness:4 Financial Wellness, powered by Gentreo, helps you create state-specific and legally binding documents such as wills, health care proxies, powers of attorney, and more.

Icon of pawprint with heartPet Insurance:4 Get preferred rates on pet insurance. Coverage includes free ID tags linked in pet cloud, 24/7 virtual vet, pet prescriptions, and more! You can visit any vet in the country and there are no breed or age restrictions.

  • Access to a wide variety of perks through the FFCU Perks app
  • $7 monthly account fee waived with minimum Average Daily Balance of $2,500 and for account holders under the age of 216
  • $5 paper statement fee will be waived with eStatements7
Are you a local business owner that is looking for a powerful way to attract new customers and keep them coming back for more?

Join the free deals network and offer discounts and promotions to people who love to shop local. Our members with Freedom Perks Checking accounts can take advantage of your offers (and will even be notified of active deals when they're near your location).

Don't miss out on this opportunity to boost your business!

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Frequently Asked Questions

Still have questions? See if our FAQs can help!

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Deposit checks right from your phone

Have access to your funds super quickly with Deposit Anywhere in the Freedom First Mobile App.

Have questions? Need assistance?


1 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.
2 Subject to the terms and conditions detailed in the Guide to Benefits.
4 Requires additional activation to begin.
5 You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.
6 The Average Daily Balance is computed by adding the balance in the account for each day in the month and dividing that figure by the number of days in the month. Maintaining an Average Daily Balance of $2,500 or more will waive the $7 account fee. This fee is also waived for account holders under the age of 21 until the first billing cycle after their 21st birthday.
7 "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. An e-sign will be required to sign up for eStatements.