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 25,000 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

Compare Freedom's Checking Account Options

FeatureHigh Rate Checking Learn MoreClassic Youth Learn More
OverviewEarns you a great dividend rate, with no monthly maintenance fees or minimum balance requirement.*Provides everything you need in a checking account, without balance requirements or maintenance fees.Perfect option to help young members get started with a checking account.
Earns dividendsYes See High Rate Checking qualification cycle scheduleNoYes
Minimum to Earn Dividend$1*No dividends earned $100
RequirementsEnroll in e-Statements and complete 15 Debit Card point-of-sale transactions each month.NoneMust be a Choices or CU Succeed Club Member 16–25 years old**
Minimum BalanceNoneNoneNone
Account Maintenance FeesNoneNoneNone
Debit Card Purchases / Transactions (Signature or PIN based)FREE FREEFREE
Free ChecksNoFree starter checks at account openingFREE (unlimited)
Online Bill Payer1FREEFREEFREE
In-network ATM transactions2FREEFREEFREE
Open a Checking Account

Did you know?

A smart budget can help you save 20% more of your paycheck. budgeting

Our debit and credit cards use secure EMV-chip technology


  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.