Freedom Rewards Checking

Freedom Rewards Checking

Earn cash back on everyday purchases plus refunds on ATM withdrawal fees* — every month.

Get paid to go shopping with Freedom Rewards — free checking that pays you 3.00% cash back on your debit card purchases, up to $72 back per year ($6 per month)!* You'll also get cash back with up to $20 in refunds on ATM withdrawal fees, nationwide. That means you can get to your money when and where you need it, whether you're in West Virginia or elsewhere. All we ask you to do is simply enroll and receive e-statements and a few monthly qualifications listed below. Visit us today to open your account.


  • 3.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $200 in purchases monthly
    • Earn up to $72 cash back per year, $6 per month
  • Up to $20 in refunds on ATM withdrawal fees, nationwide*
  • No minimum balance to earn rewards
  • No monthly service fee
  • FREE Online Banking
  • Online Bill Pay Services
  • FREE electronic bank statements
  • Check Images returned
  • 0.25% discount on qualifying non-mortgage Consumer Loans with automatic draft from an Eligible Freedom Bank account
  • $50 minimum deposit to open

*Here's how easy it is to earn your rewards:

To earn your rewards, just do the following transactions and activities in your Freedom Rewards account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and log into online banking at least once (1) per qualification cycle

And if you don't meet these qualifications, don't worry — your account is still free. Plus, you can get right back to earning your cash back rewards the very next cycle that you qualify. **Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning on the first day of the current statement cycle through the last business day of the current statement cycle. Reward Information: When Freedom Rewards qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. (2) You will also receive reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Freedom Rewards qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Freedom Rewards account on the first business day after your monthly statement cycle ends. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50.00 minimum deposit is required to open the account. Receipt of electronic statements is a condition of this account. Enrollment in electronic services (e.g., online banking and log-ons) may be required to meet some of the account's qualifications. Limit one (1) account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC