Compare Freedom's Checking Account Options
|Feature||High Rate Checking Learn More||Classic||Youth Learn More|
|Overview||Earns 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 dividends||Yes See qualification cycle schedule||No||Yes|
|Minimum to Earn Dividend||$1*||No dividends earned||$100|
|Requirements||Enroll in e-Statements and complete 15 Debit Card point-of-sale transactions each month.||None||Must be a Choices or CU Succeed Club Member 16–25 years old**|
|Account Maintenance Fees||None||None||None|
|Debit Card Purchases / Transactions (Signature or PIN based)||FREE||FREE||FREE|
|Free Checks||No||Free starter checks at account opening||FREE (unlimited)|
|Online Bill Payer1||FREE||FREE||FREE|
|In-network ATM transactions2||FREE||FREE||FREE|
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- 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.
- In-network includes ATMs at Freedom branches or other locations, MoneyPass®, and select Baltimore area credit unions.
- Freedom does not have control over fees that may be charged by other financial institutions, third party service providers, or
*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.