Freedom First offers three types of checking accounts.
Checking accounts can be opened through the Freedom First website or by meeting with a personal banker at a branch convenient to you.
Do you have different types of checking accounts?
Yes, Freedom First offers three checking accounts:
- Freedom Checking is simple, straightforward checking, but it does not earn dividends or other perks.
- Freedom Cash earns you cash back on debit card purchases. Visit the product page for more information.
- Freedom Stash earns you dividends based on your Average Daily Balance. Visit the product page or see the Consumer Rates table for current information.
What is my checking account number?
Your full checking account number can be found at the bottom of your checks. If you are enrolled in Online Banking, you can find your checking account number there, as well as on your monthly statements. You may also get your checking account number by visiting a branch convenient to you. Account numbers are not provided over the phone for security reasons.
How do I add a joint owner to my checking account?
Joint owners can be added to an account by the primary member on the account. You may add a joint owner by visiting a branch convenient to you. You will need to complete a new membership application for the new joint owner on the account, and the joint owner must present a valid government-issued ID to the banking professional at one of our convenient branches.
Am I required to keep a minimum balance in my checking account?
Freedom First offers three different checking accounts, none of them require a minimum daily balance. However, in order to take advantage of all of the perks offered by Freedom Cash and Freedom Stash, you will need to enroll in direct deposit. Please refer to the product pages for the current perk requirements, and refer to the Consumer Fee Schedule for any fees associated with our accounts.
How do I order checks?
Your first set of checks can be ordered at the time of your account opening, or by visiting a branch and working with a teller or personal banker. Temporary checks can be printed during lobby hours at branches in sheets of four. The first sheet is free. If additional sheets are required, please refer to the Consumer Fee Schedule for the price of Temporary Checks. Note, temporary checks cannot be purchased in the drive-thru.
How do I re-order checks?
If you are enrolled in Online Banking, you may re-order checks from there. You may also visit a branch and request a re-order from a teller or personal banker.
How much do checks cost?
Check prices vary depending on the type. Please call the Contact Center at 540-389-0244 (toll free 866-389-0244) or visit a branch for pricing details.
Do I also get an ATM card or debit card with my checking account?
ATM cards are only provided with savings accounts. Debit cards are used with checking accounts. The first ATM or debit card is free. Please refer to the Consumer Fee Schedule for the cost of Plastic Card Replacement.
Is there a minimum or maximum number of checks/withdrawals I may make per month?
There is no maximum number of checks cleared or number of withdrawals made on our checking accounts. In branches, there is a $2,500 cash withdrawal limit per day. ATM withdrawals are limited to $515 per day. Debit card point-of-sale transactions are limited to $2,500 per day. If you have a transaction that will exceed these limits, please call the Contact Center at 540-389-0244 (toll free 866-389-0244) before proceeding.
How do I set up direct deposit for my paycheck?
Fill out the Direct Deposit Authorization form and take it to your employer so they may arrange for the appropriate routing from their account to your Freedom First account.
How do I make deposits to my checking account?
Deposits can be made in any branch. All branches offer a Night Drop box should you arrive after operating hours, and most branches have a drive-thru that accepts deposits. We currently do not accept deposits at ATMs. We do offer a way for you to deposits checks remotely with our smartphone app, Deposit AnywhereSM. To begin depositing checks using your smartphone, download the FFCU Mobile app from the iTunes or Google Play stores.
Are deposits in checking accounts insured?
Yes. Your deposits are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, a United States Government Agency.
Can I access my checking account online?
Yes, with the Freedom First Online Banking. You may enroll in Online Banking on our website or by visiting a branch convenient to you.
Can I access my checking account on a mobile phone or tablet?
Yes, Freedom First has the FFCU Mobile app. You may sign up for mobile banking from within Online Banking. The FFCU Mobile app is available in both iTunes and Android stores.
How do I cancel a check?
Stop payments can be placed on checks for a fee. Please refer to the Consumer Fee Schedule for current information.
How do I make a transfer between Freedom First accounts?
- For accounts under the same member number, transfers can be made through Online Banking, FFCU Mobile app, at a branch, or by calling our Contact Center at 540-389-0244 (toll free 866-389-0244). Transfers made via the Contact Center may be subject to fees; please reference the Consumer Fee Schedule.
- For one-time transfers between two separate Freedom First member numbers, please visit a branch or call the Contact Center at 540-389-0244 (toll free 866-389-0244). Transfers made via the Contact Center may be subject to fees; please reference the Consumer Fee Schedule.
- To set up a regular transfer between separate member numbers, please visit a branch to complete a Cross Member Transfer Authorization form.
Non-sufficient funds for checks result in a NSF fee. Please check the Consumer Fee Schedule for current information.
How long does it take for a deposit to clear?
Cash deposits are immediately posted to the account. Check deposits are subject to holds, depending on the circumstances. Please vist a branch to see a teller or personal banker for more information on check holds.
Your debit card should arrive within 5-7 days of opening your account (sent separately from your checks). Upon receipt, activate your card.
If you prefer a different PIN than the one randomly assigned to you, you may change it by calling 1-800-757-9848 or visiting a branch.
Download CardValet®, a free app for your mobile device to protect your accounts with custom usage and access settings like setting spending limits, restricting usage to certain locations, turning access off should your card get stolen, and receiving alerts when your card is used. CardValet® is available for iPhones and Android phones.
With Freedom First, you have access to thousands of surcharge-free ATMs. In addition to ATMs around the Roanoke and New River Valleys that are clearly identified as Freedom First ATMs, you may also use ATMs in the CULIANCE, MoneyPass, and Allpoint networks. Just look for any of the logos on the ATM.
Download the CULIANCE ATM Locator app to find surcharge-free ATMs close to you. The app is available for both iPhones and Android phones.
You can make cash deposits at any Freedom First branch. After hours, you may leave cash deposits in the Night Drop box. Check deposits can be made at any branch, just as cash, or you can use our mobile app, Deposit AnywhereSM, or scan the check and electronically deposit it to your account using Online Banking.
To deposit your paycheck, set up Direct Deposit by taking this form to your employer.