Freedom Rewards Checking

Freedom Rewards Free Checking Account

Our Freedom Rewards Checking account actually pays you. Earn cash rewards at a high interest rate. No minimum balance to maintain and no monthly service charge — plus receive ATM fee refunds nationwide!

This free checking account also gives you the freedom to save your interest rewards and refunds. Link it to a Freedom Rewards Saver account and have your rewards transferred into savings — automatically. It's that easy.

  • Free, high interest checking account if qualifications are met
  • 2.00% APY* on daily balances up to $10,000.00
  • 2.00%-0.41% APY* earned on daily balances over $10,000.00
  • 0.03% APY* if qualifications are not met
  • Get nationwide ATM refunds (up to $20.00)* per cycle
  • $25.00 minimum deposit to open
  • No minimum balance to earn rewards
  • E-statements: no charge. Paper statement fee: $3.00
  • Free online banking and bill pay
  • Free mobile banking**
  • Free telephone banking
  • Free eStatements
  • Free Visa® debit card
  • Free first box of checks (select styles only)
  • Build savings automatically
  • Option to link to Freedom Rewards Saver


To earn the rewards, simply do the following during the monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled and log into online banking
  • Be enrolled and receive e-Statement notices

Miss a qualification cycle? No worries — the account is still free and earns the base interest rate. You may earn the reward interest rate plus earn ATM fee refunds again the next qualification cycle when you qualify. 

The maximum tier will be reduced to $10,000.00 earning 1.98% with an annual percentage yield of 2.00%. An interest rate of 0.25% will be paid only for that portion of your daily balance that is greater than $10,000.00. The annual percentage yield for this tier will range from 2.00% to 0.41%, depending on the balance of the account

APY = Annual Percentage Yield. APY accurate as of 12/22/16. 2.00% APY paid on daily balances up to $10,000.00 each cycle the minimum requirements are met. Daily balances over $10,000.00 earn 0.25% APY. The APY for the tier with daily balances over $10,000.00 will range from 0.41%, depending on the daily balance in the account. If you do not meet the requirements per qualification cycle, your account will still function as a free checking account earning 0.03% APY without ATM fee refunds. Freedom Rewards Checking is a variable rate checking account, and is therefore subject to rate change at any time without notice after the account is opened. Paper Statement Fee $3.00. Fees may reduce earnings, Minimum account opening deposit of $25.00. The monthly qualification cycle begins on the last day of the previous statement cycle and ends on the last business day before the next statement cycle ends. ATM transactions do not count as debit card transactions. ATM fees of $4.99 or less will be reimbursed up to the maximum of $4.99 per individual transaction, which covers most nationwide ATM transactions fees and surcharges. Maximum ATM fee refund $20.00 per cycle. One per primary tax ID number. Member FDIC.

**Mobile carrier fees may apply.