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Personal/Accounts
Freedom First Credit Union

Checking

Personal/Accounts
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At Freedom First, We Pay You For Checking.

Earn up to 5.00% APY2 on Average Daily Balances (ADB) with Freedom Stash® checking, or earn 2% cash back on debit card purchases with Freedom Cash®  checking1. No minimum balance is required.

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Freedom Stash®

Freedom Cash®

Freedom Checking
Earn up to 5.00% APY** Earn 2% cash back* on your debit

Simple, starter account
Best For:
  • Higher Average Daily Balance 
  • Earning higher dividends
Best For:
  • Debit card users
  • Frequent shoppers
Best For:
  • Simple checking
  • Starter accounts
Earn up to 125x the national average on checking
Earn 50x the national average on checking

Account Features:
  • No minimum balance required
  • $9 monthly account fee will be waived with Direct Deposit of at least $1,000*
  • $2 paper statement fee will be waived with eStatements†
  • Account perks available with Direct Deposit† of at least $1,000
Account Features:
  • No minimum balance required
  • $9 monthly account fee will be waived with Direct Deposit of at least $1,000*
  • $2 paper statement fee will be waived with eStatements†
  • Account perks available with Direct Deposit† of at least $1,000
Account Features:
  • No minimum balance required
  • No monthly account fee
  • $2 paper statement fee will be waived with eStatements†
Earn up to $500 per year**
Earn up to $240 per year*
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1Freedom Cash® Perks*

You must be enrolled in Direct Deposit (Opens in a new Window) to earn perks.†
$1,000 or More in Direct Deposit** Each Month $5,000 or More in Direct Deposit** Each Month
2% Cash Back on debit card purchases of up to $500 2% Cash Back on debit card purchases of up to $1,000
2 Nationwide ATM Fee refunds per month 4 Nationwide ATM Fee refunds per month
$9 Monthly Account Fee waived $9 Monthly Account Fee waived

2Freedom Stash® Perks*

You must be enrolled in Direct Deposit (Opens in a new Window) to earn perks.†
$1,000 or More in Direct Deposit** Each Month $5,000 or More in Direct Deposit** Each Month
Earn 0.50% APY** on ADB up to $10,000 Earn 5.00% APY** on ADB up to $10,000
Earn 0.18% APY** on ADB above $10,000 up to $1,000,000 Earn 0.30% APY** on ADB above $10,000 up to $1,000,000
2 Nationwide ATM Fee refunds per month 4 Nationwide ATM Fee refunds per month
$9 Monthly Account Fee waived $9 Monthly Account Fee waived

      


*Freedom 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.
 
**Annual Percentage Yield (APY) as of 4/1/2022. Monthly Direct Deposit of $5,000 or more to receive the 5.00% APY on Average Daily Balance (ADB) up to $10,000, 0.30% 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, 0.18% APY on ADB above $10,000 up to $1,000,000. Fees could reduce earnings on the account. APY could change after account opening.
 
†"Direct Deposit (Opens in a new Window)" is defined as ACH deposits only (Opens in a new Window) 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 (Opens in a new Window). "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.

Nationally and Regionally Competitive. Locally Headquartered.

Freedom CashTM checking and Freedom StashTM checking offer nationally and regionally competitive perks that rival checking and savings products at many banks†† — and they're right here in your community.


 Freedom Cash® Freedom Stash® Wells Fargo Preferred Checking SunTrust Signature Advantage® Atlantic Union Bank Preferred Checking
No monthly fee with direct deposit of at least $1,000**
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No minimum balance requirement Green check mark icon Green check mark icon Red X icon Red X icon Red X icon
Earn 2% cash back on debit card purchases up to $1,0001 Green check mark icon Red X icon Red X icon Red X icon Red X icon
Earn up to 5.00% APY* on ADB2
 
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Remote deposit funds available in as little as 15 minutes Green check mark icon Green check mark icon Red X icon Red X icon Red X icon
Up to 4 nationwide ATM fee refunds per month1,2 Green check mark icon Green check mark icon Red X icon Green check mark icon Green check mark icon







††Comparison based on data compiled in September 2018 from company websites and consumer checking offers. In some cases competitors assess and/or waive fees if certain criteria are met. Perks, terms, and conditions for each competitor product may have changed since publishing this page on September 17, 2018. Registered trademarks are properties of their respective owners.
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Looking for a phone number, address, or other basic info?
No new Index Checking and Optimum Checking accounts will be opened after September 17, 2018. To get the best rates and new, additional benefits, members in these accounts may switch to the newly instituted Freedom Cash® or Freedom Stash® checking accounts. 
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