Personal Checking

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.

Advantage Checking, Powered by BaZing:


Get rewarded for your relationship:

  • Anywhere banking tools – mobile banking, online banking, bill pay, debit card and eStatements
  • ATM fees reimbursement up to $15/month from other financial institutions4
  • 1% cash back on point-of-sale debit card purchases up to $15/month4
  • ID Theft Aid1,2
  • Cell Phone Protection1,2
  • Buyer’s Protection and Extended Warranty1,2
  • Roadside Assistance
  • Shop local, save local with BaZing Savings*
  • Pharmacy, vision & hearing discounts
  • BaZing Fuel Points3
  • $6 monthly fee

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

Open Account

*Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.

  1. Subject to the terms and conditions detailed in the Guide to Benefits.
  2. Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.
  3. You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.
  4. Direct deposit of at least $500 each month. A minimum of 10 point-of-sale (POS) transactions each month. Enrollment in eStatements.

Save money and time, get peace of mind.

  • Roadside Assistance

    Available 24/7 and free to use, covers up to $80 in covered service charges per occurrence.

  • Health Savings Card

    Save money on prescriptions, eye exams, frames, lenses and hearing services.

  • Cell Phone Protection1,2

    Pay your cell phone bill with your Advantage Checking, Powered by BaZing, and you’re covered to have it repaired or replaced up to $400 per claim (maximum $800 per year).

  • Fill Up with Rewards3

    Add fuel benefits through the BaZing app. Earn 10¢ per gallon for up to 20 gallons each month with just 15 debit card swipes.

  • Buyer’s Protection and Extended Warranty1,2

    Your newly purchased item can be reimbursed or replaced if an accident or theft occurs within 180 days of purchase when purchased using your Advantage Checking, powered by BaZing account.

  • Shop Local, Save Local*

    Local discounts and national retailer deals to save you money when shopping, dining, traveling and more.

  • ID Theft Aid1,2

    • Identity Restoration and Payment Card Resolution: An identity restoration specialist works on your behalf to restore your identity and cancel payment cards.
    • Personal Identity Theft Benefit: Receive $2,500 reimbursement (lifetime max) for covered expenses you incur to restore your identity.

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 $15/month from other financial institutions4
  • 1% cash back on point-of-sale debit card purchases up to $15/month4

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

Open Account

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.

Member Privilege

Even when balancing a checkbook, we’ve all experienced times of uncertainty and unexpected happenings. For added security, Freedom offers an overdraft protection service to qualifying members who maintain a personal checking account in good standing.

Member Privilege is accessible through teller transactions, written checks, ACH automatic payments, ATM transactions, and debit transactions. As of July 1, 2010, ATM and debit transactions must be authorized by a member through a written request in a branch.

Please call (800) 821-0160 or visit your local branch for additional information and to find out how you can begin Member Privilege today.

Branch Closures

Due to staffing shortages, we have had to implement rolling branch closures or limit services to drive up only in some locations. This list is updated daily.  Click here for current list.

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