Freedom Checking

Freedom Checking is designed for those who never want to worry about overdraft fees or non-sufficient funds (NSF) fees.*

Key Benefits

  • No Overdraft or NSF Fees (auto return)
  • No Account Activation, Closure, Dormancy, Inactivity, or Low Balance Fees
  • FREE REWARDS Program
  • FREE Debit Card
  • FREE GoBankFFB Mobile App with Zelle® Included
  • FREE Money360 Personal Financial Management Tool
  • FREE Online Banking
  • FREE Online BillPay
  • FREE Mobile Deposit
  • FREE Direct Deposit
  • FREE Debit Card Fraud Alerts
  • FREE Automatic Transfers
  • FREE Monthly eStatements (paper statements not available)
  • FREE Pocket Your Change Savings Tool
  • FREE FFB ATMs – Unlimited Use (non-FFB ATMs will be $1 per transaction)
  • Unlimited Customer Service Assistance

Minimum Opening Deposit - $25

Minimum Balance Requirement - None

Fees – $5 per month

*First Fidelity Bank will automatically return or decline transactions that attempt to come out of your account when there are not enough funds in the account to cover the payment. The account can still go into the negative if a transaction is authorized for an amount currently available in your balance and the final charge is more than the original authorized amount.

An example of this would be a preauthorization for $1.00 at a gas station or adding a tip to a payment after your card has been run. Even if your account happens to go negative, we will not charge you an overdraft fee. Declined/returned payments are sent back to the merchant who requested the money. The merchant may choose to charge a fee for an item that has been returned. 

Debit Card Rewards
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Earn Rewards on everyday purchases with an FFB debit card. You can redeem points for merchandise, travel, gift cards, and hundreds of other options. 

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See all of your financial accounts in one place with Money360, a free financial management tool for easier budgeting and financial planning.

Fraud Alerts
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Security is our top priority. Our real-time Fraud Alerts allows you to immediately confirm or deny suspicious debit card transactions, protecting against fraud without deactivating your card.

Online BillPay
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No checks, no stamps, and no late payments. Sign up for Online BillPay and we'll do the rest at no cost to you.

Pocket Your Change
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Every time you make a transaction, an amount you choose is automatically swept into your FFB savings account. And Pocket Your Change will never overdraw your account.
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Zelle makes it easy to send money to, or receive money from, people you trust with a bank account in the U.S. Find Zelle in your First Fidelity Bank app.
Direct Line 24 Telephone Banking
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Get direct access to your accounts with 24/7 telephone banking.