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Personal/Accounts
Freedom First Credit Union

Checking

Personal/Accounts
Branded Star Mark
Branded Star Mark

Why Pay for Your Checking Account? At Freedom First, We Pay You.

Choose your perks with Freedom Checking, Freedom Cash, or Freedom Stash. No minimum balance is required for any one of these options. Earn 2% cash back on your debit card purchases up to $1,0001 with Freedom Cash, or earn up to 5.00% APY2 on Average Daily Balances (ADB) with Freedom Stash. Or keep it simple with the no-hassle Freedom Checking.

 

Freedom Checking

Freedom Cash

Freedom Stash

Best For:
  • Simple checking
  • Starter accounts
Best For:
  • Debit card users
  • Frequent shoppers
Best For:
  • Higher Average Daily Balance 
  • Earning higher dividends
Account Features:
  • No minimum balance required
  • Free debit card
  • Free bill pay
  • Free mobile app
  • Free remote deposit
  • Unlimited branch transactions
  • No monthly account fee
  • $2 paper statement fee will be waived with eStatements**
Account Features:
  • No minimum balance required
  • Free debit card
  • Free bill pay
  • Free mobile app
  • Free remote deposit
  • Unlimited branch transactions
  • $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
  • Free debit card
  • Free bill pay
  • Free mobile app
  • Free remote deposit
  • Unlimited branch transactions
  • $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
Open Account Today Open Account Today



1Freedom Cash Perks*

You must be enrolled in Direct Deposit 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 to earn perks.**
 
$1,000 or More in Direct Deposit** Each Month $5,000 or More in Direct Deposit** Each Month
Earn 2.00% APY* on ADB up to $10,000 Earn 5.00% APY* on ADB up to $10,000
Earn 0.50% APY* on ADB above $10,000 up to $1,000,000 Earn 1.00% 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



*Annual Percentage Yield (APY) as of 9/17/2018. Freedom Cash and Freedom Stash 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.
 
No new Index Checking and Optimum Checking accounts will be opened after September 17, 2018. A member that has Freedom Checking, Index Checking or Optimum Checking before September 17, 2018 can continue with the same terms, conditions, and fees. 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. New Freedom Checking accounts opened after September 17, 2018 will incur a Paper Statement Fee each month unless enrolled in eStatements. An e-sign will be required to sign up for eStatements.

Nationally and Regionally Competitive. Locally Headquartered.

Freedom Cash and Freedom Stash offer nationally and regionally competitive perks that rival many banks — and they're right here in your community.
 

Freedom Cash Freedom Stash Wells Fargo Preferred Checking SunTrust Signature Advantage® Union Bank & Trust Preferred Banking
No monthly fee with direct deposit of at least $1,000**
Green check mark icon Green check mark icon Green check mark icon Red X icon Red X icon
No minimum balance requirement Green check mark icon Green check mark icon Red X icon Red X icon Red X icon
Access to over 50,000 surcharge-free ATMs in the US 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
 
Red X icon Green check mark icon Red X icon Red X icon Red X icon
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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