All of our accounts include:

Free ATM Network, Get paid early, and mobile deposit

At Freedom First, you can bank the way you want - in-person, over the phone, online, or on our mobile app.

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Checking accounts that pay you back

Earn up to $20 every month, just by swiping your debit card. with Freedom Cash Checking.1 Plus, you get up to 4 out-of-network ATM fee refunds per month!2

Screenshot of Freedom Perks app

Checking accounts that can save you money

With Freedom Perks Checking, you have access to tons of money-saving perks, like local & national discounts, roadside assistance, fuel savings, and so much more! With so many deals and discounts, there's no limit to how much you can save.

Map showing surcharge-free ATM locations

50k+ fee-free, in-network ATMs to choose from

Don't worry about finding a Freedom First ATM when you're not near a branch. With our fee-free ATM network, you have over 50,000 ATMs to choose from across the U.S. that won't charge you a fee!3

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Get paid up to 2 days early with direct deposit

Have access to your money faster - just set it & forget it with direct deposit into your account.4 

Screen shot of card controls menu

Fight fraud from your phone with card controls

Lost or stolen card? No worries - just turn the card off in your mobile banking app using Card Controls. You can also notify us and order a replacement card with just a few taps! Plus you can set alerts, spending limits, notify us of travel, and more directly from your phone.


Ready to get more from your banking?


1Earn 2% Cash Back on qualifying debit card purchases up to $500 with a monthly Direct Deposit of $1,000 or on qualifying debit card purchases up to $1,000 with a monthly Direct Deposit of $5,000.  $20 monthly benefit assumes the account holder maximizes their account benefits and has a minimum of $5,000 in Direct Deposits that month. Fees may reduce earnings. Freedom Cash® checking accounts will pay perks on the last day of each month, based on the month's account activity, on the condition that the member is enrolled in the minimum Direct Deposit of their qualifying tier. "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). 

2With 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. 

3Surcharge-free ATMs are a part of the CULIANCE ATM network and can be identified by the presence of a CULIANCE, MoneyPass or Allpoint logo.
 
4Subject to receipt from originator and other terms and conditions.