Checking that connects to life in all the ways you do.
Here’s how it works.
Freedom Credit Union has a checking account process with two options. Pick the one that works for you. If you want more connections to more benefits, just switch it up when you need.
Requirements for ATM and Cash Back Rewards:
- Direct deposit of at least $500 each month
- A minimum of 10 point-of-sale (POS) transactions each month
- Enrollment in eStatements
Freedom 4U
Our Freedom 4U checking account frees you from the banking blahs. Simple and streamlined, you’ll enjoy:
- No daily minimum balance requirement. Open your account with just $5.
- No monthly maintenance fee with eStatements
- Free nationwide ATM access through the SUM® and AllPoint® networks
- Bank-anywhere tools, including digital and mobile banking, a digital wallet and more
- FREE first order of standard checks
Life moves fast, but Freedom 4U is right there with you offering financial flexibility, lifestyle benefits and a seamless banking experience. All Freedom accounts are also double insured for your peace of mind. Plus, our Switch Kit makes switching simple and hassle-free.
Essential Checking
- Anywhere banking tools – mobile banking, online banking, bill pay, debit card, and eStatements.
- FREE first order of standard checks
- ATM fees reimbursement up to $10/month from other financial institutions
- 0.5% cash back on point-of-sale debit card transactions up to $10/month
Requirements for ATM and Cash Back Rewards
- Direct deposit of at least $500 each month
- A minimum of 10 point-of-sale (POS) transactions each month
- Enrollment in eStatements
Free with eStatement* – $2 paper statement fee is waived by signing up for electronic statements
18/65 Account*
We have a simple account option for members age 65 and over or age 18 and younger:
- No monthly maintenance fees
- Free Standard Checks
- Reduced or waived fees on certain services
*Not eligible for member rewards.
Notice for members over the age of 65 or under the age of 18
In accordance with Chapter 338 of the Acts of 2020, Section 32B also known as the “18/65 Law,” we do not impose any fee, charge or other assessment against the checking account of any person age 65 or older, or age 18 or younger. However, a reasonable charge, as determined by the Commissioner of Banks, may be assessed against such accounts when payment has been refused due to insufficient funds. Our fee for insufficient funds does not exceed $5.00 per check. Please refer to our separate fee schedule for additional information about charges.
You must notify us of your eligibility to receive these benefits. Please notify the Freedom Credit Union when you open your account(s) if you are in either of these age groups or if you become eligible for fee waivers at any time during your account holding. Eligible persons who have not already registered for this service should contact us by visiting a branch office or by calling us at (413) 739-6961 or toll free at (800) 821-0160.