If you have to change all your account information anyway, why not go ahead and switch to a truly local credit union?

 

Plus, all our checking accounts include:

Free ATM Network, Get paid early, and mobile deposit
 

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Free, no-hassle checking

Freedom Checking is our no-frills free checking account. That means no monthly account fees and no minimum balance or direct deposit requirements. And if you want to earn cash back or dividends on your checking, we have options that pay up to $20 a month on debit purchases1 or up to 5.00% APY2 on your balance.

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Switch to keep getting paid up to 2 days early

Bummed about losing out on an early paycheck? Freedom First has you covered. With direct deposit, we'll deposit the funds into your account up to 2 days early.3 

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 one of our 14 convenient branches. With our fee-free ATM network, you have over 50,000 ATMs to choose from across the US that won't charge you a fee!4

Young woman taking picture of check on her phone

Have access to your check in as little as 15 minutes

Deposit Anywhere lets you take a picture of your check to deposit it into your account. And in most cases, you'll be able to use your money in as little as 15 minutes!5
 
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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)(Opens in a new Window)" is defined as ACH deposits only(Opens in a new Window)(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)(Opens in a new Window).  
 
2Annual Percentage Yield (APY) as of 3/1/2026. Monthly Direct Deposit of $5,000 or more to receive the 5.00% APY on Average Daily Balance (ADB) up to $10,000, 0.15% 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, 0.10% APY on ADB above $10,000 up to $1,000,000. Fees could reduce earnings on the account. APY could change after account opening. 
 
3Subject to receipt from payroll provider or payment processor and other terms and conditions they may have.
 
4Surcharge-free ATMs are a part of the CULIANCE ATM network and can be identified by the presence of a CULIANCE, MoneyPass or Allpoint logo.
 
5Deposit limits determined by account history and other factors. Freedom First Mobile is a free service from Freedom First Credit Union, but your mobile carrier’s data and text rates may apply. Deposit Anywhere is a free service that lets members deposit checks over the internet using smart phones, mobile devices, and tablets.