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Checking Accounts

At the heart of a strong banking relationship is the checking account.

Since the checking account is the most used account a person or family utilizes day to day, it makes sense to have one that is both convenient and brings you genuine value. Each of Freedom’s personal checking accounts will provide you with everything you need to manage your money efficiently:

Free Kasasa Cash® Checking

Get paid to bank with us. Free Kasasa Cash® checking pays up to 2.00% APY* when you do banking basics that you probably already do, like using your debit card.

You’ll also get refunds on ATM withdrawal fees, nationwide — so every ATM is your ATM, whether you’re in Maywood, Ridgewood, Guttenberg or elsewhere. Link your account to a free Kasasa Saver® to make saving effortless.

  • Free checking that pays high interest
  • 2.00% APY* on balances up to $25,000
  • 2.00% to 0.80% APY on balances over $25,000 depending on balance in account*
  • 0.01% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free initial set of starter checks
  • Free eStatements
  • Free Internet Banking and Bill-Pay services
  • Free MasterCard® Debit Card
  • Fee-free 24-hour banking at any Freedom Bank ATM or at any Allpoint Surcharge Free ATM location
  • No minimum deposit to open

Click here to access Freedom Bank’s switch kit.

 

Earning your rewards is easy!

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

 

And if you don’t meet these qualifications, don’t worry — your account is still free.

Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

*APY = Annual Percentage Yield. Interest is not compounded; interest will be credited to your account on the last day of the current statement cycle. When Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $25,000 receive APY of 2.00%; and balances over $25,000 earn 0.49% interest rate, resulting in a range from 2.00% to 0.80% APY depending on the account’s balance. These rates are variable and may change at any time at our discretion. (2) ATM Fee Reimbursement: You will receive reimbursements up to $25.00 ($4.99 max per single transaction) for nationwide ATM fees incurred during the Monthly qualification cycle in which you met your Kasasa Cash qualifications. When Kasasa Cash qualifications are not met, all balances in the account earn 0.01% APY. Fees may reduce earnings. No minimum balance request to open account. Kasasa Cash is a variable rate product. Your interest rate and annual percentage yield may change after account opening. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time.

Free Kasasa Cash Back® Checking

Get paid to go shopping. Free Kasasa Cash Back® checking pays 2.00% cash back on debit card purchases up to $6 per month.*

You’ll also earn cash back in the form of refunds on ATM withdrawal fees, nationwide — so you can get to your money whenever and wherever you need it.

  • Free checking that pays you back
  • 2.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $300 in purchases monthly
    • Earn up to $6 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free initial set of starter checks
  • Free eStatements
  • Free Internet Banking and Bill-Pay services
  • Free MasterCard® Debit Card
  • Fee-free 24-hour banking at any Freedom Bank ATM or at any Allpoint Surcharge Free ATM location
  • No minimum deposit to open

Click here to access Freedom Bank’s switch kit.

 

Earning your rewards is easy!

To earn your rewards, just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

 

And if you don’t meet these qualifications, don’t worry — your account is still free.

And you can get right back to earning your cash rewards the very next cycle that you qualify.

When Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account. (1) Kasasa Cash Back : 2.00% cash back on qualifying debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. (2) ATM Fee Reimbursement: You will receive reimbursements up to $25.00 ($4.99 max per single transaction) for nationwide ATM fees incurred during the Monthly qualification cycle in which you met your Kasasa Cash Back qualifications. When Kasasa Cash Back qualifications are not met, no cash back payments are made. Rates and rewards are variable and may change after account is opened.

Regular Checking

  • No maintenance fees
  • No minimum balance requirements
  • Unlimited check-writing privileges, with no per-check charges
  • Free initial set of starter checks
  • Free & easy-to-read monthly eStatements
  • Free Internet Banking and Bill-Pay services
  • Free MasterCard® Debit Card
  • Fee-free 24-hour banking at any Freedom Bank ATM or at any Allpoint Surcharge Free ATM location

Click here to access Freedom Bank’s switch kit.

NOW Checking

  • A competitive interest will be earned on a balance of $.01 or more
  • There’s no monthly service charge with a daily balance of at least $750
  • A monthly service fee of $15 is assessed if at any time during the statement cycle the daily balance falls below $750
  • Unlimited check-writing privileges with no per-check charges
  • Free initial set of starter checks
  • Easy-to-read monthly statements
  • Free Internet Banking and Bill-Pay services
  • Free MasterCard® Debit Card
  • Fee-free 24-hour banking at any Freedom Bank ATM or at any Allpoint Surcharge Free ATM location
  • Fees can reduce earnings

Click here to access Freedom Bank’s switch kit.

Senior Checking

  • No maintenance fees
  • No minimum balance requirements
  • A competitive interest rate will be earned on balances over $.01
  • Complimentary Freedom Bank logo printed checks
  • Free Internet Banking and Bill-Pay services
  • Free MasterCard® Debit Card
  • Fee-free 24-hour banking at any Freedom Bank ATM or at any Allpoint Surcharge Free ATM location

Click here to access Freedom Bank’s switch kit.