Freedom Rewards-Interest Checking

Freedom Rewards-Interest Checking

Earn high interest and refunds on ATM withdrawal fees* — every month.

When you enroll in e-statements and meet some basic qualifications listed below, you can earn up to 1.50% APY*. You'll also get rewarded with up to $20 in refunds on ATM withdrawal fees, nationwide — so every ATM is your ATM. Visit us today to open your account.


  • 1.50% APY* on balances up to $10,000


  • 0.25% APY* on balances over $10,000
  • 0.05% APY* if qualifications aren't met
  • 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-Interest 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'll still earn our base interest rate. And you can always earn your 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 your Freedom Rewards-Interest account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $10,000 receive an APY of 1.50% and an interest rate of 1.49%; and balances over $10,000 earn 0.25% APY with an interest rate of 0.25%; (2) you will receive reimbursements up to an aggregate total of $20 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 qualifications are not met, all balances in the account earn 0.05% APY with an interest rate of 0.05% and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your account on the first business day after your monthly statement cycle ends. APY = Annual Percentage Yield. APY is accurate as of 11/17/2021. 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 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 Freedom Bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC