Personal Checking

We offer three personal checking account options, designed for members at each stage of their lives.

Now Checking Account

Tired of all those fees that appear out of nowhere? How about having to check your balance all the time, or count your debit card swipes? Freedom offers members a free personal checking account with no stipulations or monthly maintenance fees. Just another way we put you—our members—first.

NOW Account benefits include:

  • Low $5 minimum to open the account
  • Free standard checks
  • Free debit card
  • Cash back rewards

Requirements for rewards:

  • Direct deposit of at least $500 each month
  • A minimum of 10 point-of-sale (POS) transactions each month
  • Enrollment in eStatements

If met, rewards include:

  • ATM fees reimbursement up to $15/month from other financial institutions
  • 1% cash back on debit card purchases

Open Account
Resume Application


Forever Freedom NOW Checking Account

We know college students don’t necessarily have a steady income, so we created this special student checking account. The Forever Freedom Checking Account is available to any student (full-time or part-time) attending a college or university in Franklin, Hampden, Hampshire or Berkshire County in Massachusetts, and Hartford or Tolland County in Connecticut. It has all the benefits of the NOW account, plus:

  • No monthly maintenance fees
  • ATM fees reimbursed up to $15/month for ATM charges from other financial institutions
  • Free “Forgive-a-Pay” twice per calendar year
  • No expiration date, so it will not convert to a different account after graduation

* Not eligible for NOW Checking Rewards

Open Account
Resume Application


Freedom Now Checking Account

Need a top-of-the-line personal checking account that yields higher dividends for higher balances, while still giving you pure liquidity? The Freedom NOW Account has all the benefits of the NOW Account, plus higher yield dividend for higher balances.

Requirements to avoid monthly fee:

  • $2,500 minimum balance
  • Direct deposit of paycheck or pension
  • Two debit card point-of-sale (POS) transactions per monthly statement cycle

* Not eligible for NOW Checking Rewards

Open Account
Resume Application

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.

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