Earn up to $240 a year* with Freedom Cash™ Checking

Earn 2% cash back1 on debit purchases while you shop - for essentials, splurges, and more. And no minimum balance is required. All you need is a monthly direct deposit of at least $5,000 to unlock your maximum cash back potential.

Now that's how you Bank for Good.

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Are you a Spender or a Saver?

Freedom Cash™ is ideal for people who use their debit card often. But if you're more of a saver than a spender, Freedom Stash™ might be a better fit, since you earn up to 5.00% APY2 on your average daily balance! All you need is at least $5,000 in monthly direct deposits to earn this rate.

Double the Cash Back Rate of Big Banks*

Account Cash Back* Minimum Balance Needed* Estimated Earnings*
Freedom Cash™ 2% $0 $240
Discover (Cashback Debit) 1% $0 $120
Radius Bank (Rewards Checking) 1% $2,500 $120
Axos Bank (Cash Back Checking) 1% $1,500 $120


*These estimated earnings are based on the cash back rate for $1,000.00 per month of qualifying debit card purchases for account holders with at least $5,000 of monthly direct deposits and assume you do not withdraw funds or incur fees. Rates are accurate as of 6/29/2021 and may change after account opening. Fees may reduce earnings. The cash back rates for other financial institutions are provided by each institution's public website and are accurate as of 6/29/2021. "Minimum balance needed" refers to Average Daily Balance requirements outlined in each institution's terms and conditions under which a consumer may qualify for the cash back rate listed in this table. In some cases competitors assess and/or waive fees if certain criteria are met. Perks, terms, and conditions for each competitor product may have changed since publishing this page. Registered trademarks are properties of their respective owners.

Monthly Perks1 for Freedom Cash™

Direct Deposit Cash Back on Debit Purchases Nationwide ATM Fee Refunds
$1,000-$4,999.99 2% up to $500 in purchases 2 refunds
$5,000+ 2% up to $1,000 in purchases 4 refunds


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More Than Just a Checking Account

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ATM Fee Refunds

As a member of Freedom First, you have access to over 50,000 surcharge-free ATMs in the CULIANCE ATM network. But with Freedom Cash™, you can also get up to 4 nationwide ATM fee refunds per month.3

Get Paid up to 2 Days Early

You already have your direct deposit set up to get your Freedom Cash™ perks, which means that you can automatically get your paycheck up to 2 days early!

Remote Deposit in as Little as 15 Minutes

Deposit AnywhereSM in the Freedom First mobile app lets you deposit checks right from your phone... and funds could be available in as little as 15 minutes!

Open a Freedom Cash Account Online Today!

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Already Have a Checking Account With Us? Click Here.
Members Without Checking Click Here.


12% cash back on debit card purchases up to $500 with monthly Direct Deposit of at least $1,000 and up to $1,000 with monthly Direct Deposit of at least $5,000. Freedom CashTM and Freedom StashTM accounts will pay perks on the last day of each month, based on account activity in that month on the condition that the member is enrolled in Direct Deposit of at least $1,000. If Direct Deposit into the account drops below $1,000 for two consecutive months, the Monthly Account Fee of $9 will be charged for each month that Direct Deposit continues to remain below $1,000. The Monthly Account Fee will be waived for the first two consecutive months after the new account opening, regardless of Direct Deposit amount during that time. Fees may reduce earnings. Direct Deposit is defined as ACH deposits only and will not include check or cash deposits done either in-branch or remotely. ACH deposits may be any combination of your paycheck, social security check, dividend deposits, and other such automated deposits. Call us at 540-389-0244 (local) or 866-389-0244 (toll-free) with questions about what qualifies as an ACH deposit. Accounts receiving a paper statement will be subject to the Paper Statement Fee of $2, which will be waived if the member is enrolled only in eStatements and does not receive a paper statement. More details available at www.freedomfirst.com/checking.

2Annual Percentage Yield (APY) as of 8/1/2021. Monthly Direct Deposit of $5,000 or more to receive the 5.00% APY on Average Daily Balance (ADB) up to $10,000, 0.30% APY on ADB above $10,000 up to $1,000,000. Monthly Direct Deposit of $1,000 or more to receive 0.50% APY on ADB up to $10,000, 0.18% APY on ADB above $10,000 up to $1,000,000. Fees could reduce earnings on the account. APY could change after account opening.

3With monthly Direct Deposit of at least $1,000 up to 2 nationwide out-of-network ATM fees will be refunded, and with monthly Direct Deposit of at least $5,000 up to 4 nationwide out-of-network ATM fees will be refunded. Surcharge-free ATMs are a part of the CULIANCE ATM network and can be identified by the presence of a CULIANCE, MoneyPass or Allpoint logo.
4Subject to receipt from originator and other terms and conditions.
5Deposit limits determined by account history and other factors. Freedom First Mobile is a free service from Freedom First Credit Union, but your mobile carrier’s data and text rates may apply. Deposit AnywhereSM is a free service that lets members deposit checks over the internet using smart phones, mobile devices, and tablets. Learn more at www.freedomfirst.com/deposit-anywhere.