personal checking


It's Your Money—Don't Pay to Use it!

Open a Checking Account

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 VISA® Debit Card transactions, and nationwide access to over 80,000 fee-free ATMs.

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

Empower Checking*

This is Free Checking… Reimagined.

Earn 3.00% APY* on balances up to $10,000 with no maintenance or monthly fees. Power Up Your Earnings.

Learn More About Empower Checking
Empower Checking


  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.

*Empower Checking is Freedom’s high yield checking account, which offers a special high dividend rate to enrolled members who meet the specified qualifications each month. See Empower Checking 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.