Freedom Rewards Checking

Freedom Rewards Checking

  • Earn High Interest
  • ATM fee refunds nationwide*
  • No monthly service fee

Get the freedom to write as many checks as you want and earn 1.75% APY* at the same time.

With Freedom Rewards Checking, you have no minimum balance balance to earn rewards and no monthly service fee. Just a high interest checking account and ATM fee refunds nationwide*. It's easy to qualify!

  • Earn 1.75% APY* on balances up to $10,000
  • Earn 1.75% to 0.34% APY on balances over $10,000, depending on balance in account*
  • Earn 0.05% APY* if qualifications aren't met
  • ATM fee refunds nationwide*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited check writing
  • Free Instant Issue Debit Card
  • Free Online Banking and Telephone Banking
  • Free Online Bill Pay
  • Free Email Statements
  • Overdraft Privilege available
  • $50 minimum opening deposit

If you do not meet the qualifications one monthly qualification cycle, your account will still function as a checking account earning 0.05% APY on all balances; however, it will not receive ATM fee refunds for that monthly qualification cycle. You can qualify for the rewards the next month.


In order to receive the rewards rate and ATM fee refunds, simply do the following each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle
  • Be enrolled and receive Email Statements
  • Be enrolled and log into Redi-Net online banking at least once a month

*APY=Annual Percentage Yield. APYs accurate as of 07/01/2013. Rates may change after account is opened. Minimum to open is $50. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up $5 per single transaction and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 1.75%; and (3) balances over $10,000 earn 0.20% interest rate on portion of balance over $10,000, resulting in 1.75% - 0.34% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. The "Monthly Qualification Cycle" is from the Wednesday following the 4th Tuesday of the month through the 4th Tuesday of the following month. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit two accounts per household. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.