| 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.
| 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 |
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
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!4
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!5
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 Cash® and Freedom Stash® 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 10/1/2022. 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.
