It's Your Money — Don't Pay to Use it!

Personal Checking

There’s no reason you should pay to use your own money.  No matter which Freedom checking account you choose, you’ll never pay a monthly maintenance fee here. Plus, we provide freebies like Mobile and Online Banking, free e-Statements, free MasterCard® Debit Card transactions, and nationwide access to over 33,000 fee-free MoneyPass ATMs.

Mistakes happen and sometimes there are not enough funds in a checking account to cover all the debits. We offer multiple options for overdraft protection.

Open a Checking Account

Disclosures

  1. Bill Payer is free when the account is active with at least one transaction performed each month. If Bill Payer is not active, a $7 monthly service charge is applied. Online gift check costs $2.99. Online charitable donation is $1.99.
  2. In-network includes ATMs at Freedom branches or other locations, MoneyPass®, and select Baltimore area credit unions.
  3. Freedom does not have control over fees that may be charged by other financial institutions, third party service providers, or
    ATM owners.

*High Rate Checking offers a special high dividend rate to enrolled members who meet the specified qualifications each month.
See High Rate Checking Account page for complete details. All rates are subject to change without notice.

** Youth Checking Accounts are available to Youth Club members aged 16 – 17 only when they have a parent or guardian serve as a joint owner of the account.