Personal Services
There's a difference at First Freedom Bank, a difference that's grown out of
our commitment to Wilson County and the banking needs of our neighbors. Convenient
hours, online banking and ATM's make banking easy from wherever
you are, whenever you want to bank. You can pay your bills online. You can
have multiple account statements combined and then emailed to you. You can
choose a First Freedom Bank account with no service charges or ATM charges,
plus have overdraft privilege and more. We'll help you buy your first home
or save for college, buy a car or plan for retirement. The First Freedom staff
is here to help with banking services you use every day or once in a lifetime.
Imagine the difference that can make.
Checking Accounts
Regular Checking
- Minimum opening balance $100
- Free ATM/Debit Card
- Debit Card Reward Program
- Overdraft line of credit with approval
- No service charge with minimum $500 balance ($6 monthly service charge for balances below $500)
- Up to 10 waived ATM surcharge fees per statement cycle
- Free Internet Banking
- Imaged bank statement or e-statement available
Star Checking
- Minimum opening balance $100
- Earns premium interest*
- No Minimum Balance
- No Monthly Service Fees
- Nationwide ATM Refunds (up to $25 per statement cycle)*
- Debit Card Reward Program
- Overdraft line of credit with approval
- Free Internet Banking & Bill Pay
- Free ATM/Debit Card
- E-Statement only
*Customer must meet qualifying criteria each statement cycle to earn the premium interest rate and receive Nationwide ATM refunds. Ask one of our Personal Bankers for more information.
Free Checking (customer pays for checks)
- Minimum opening balance $50
- Free ATM/Debit Card
- Debit Card Reward Program
- Overdraft line of credit with approval
- No service charge
- E-Statement only
- Free Internet Banking
Student Checking
- Minimum opening balance $50
- Free ATM/Debit Card
- Debit Card Reward Program
- Overdraft line of credit with approval (can not be a minor)
- No service charge
- E-Statement only
- Free Internet Banking
- Age limit up to 23 years old
- Up to 4 waived ATM surcharge fees per statement cycle
First Freedom Club
- Minimum opening balance $100
- Free ATM/Debit Card
- Debit Card Reward Program
- Overdraft line of credit with approval
- Free First Freedom Club checks
- No minimum balance required
- $9 monthly service charge
- Free Internet Banking
- Imaged bank statement or e-statement available
- No ATM surcharge fees
- Includes insurance*, free traveler cards, free notary and fax services, discounted safe deposit box and safe deposit journal
- $10,000 Accidental Death & Dismemberment Insurance* (coverage divided equally among joint account holders, reduces 50% at age 70)
- $5,000 Identity Theft Expense Reimbursement Insurance*
- $20,000 Common Carrier Insurance* (coverage divided equally among joint account holders)
- Credit Card Registration
- Entertainment Savers Guide
- Roadside Assistance Reimbursement
- Walk-In Pharmacy Discount Card
- EyeCare & EyeWear Discounts
* Accidental Death & Dismemberment, Common Carrier Insurance and Identity Theft Expense Reimbursement Insurance that is offered with our Freedom Club accounts are not deposit accounts; they are not guaranteed or insured by any depository institution or the FDIC.
First Freedom Club for Seniors
- Must be age 62 or over
- $5 monthly service charge
- All the benefits of the First Freedom Club account are included in this account
* Accidental Death & Dismemberment, Common Carrier Insurance and Identity Theft Expense Reimbursement Insurance that is offered with our Freedom Club accounts are not deposit accounts; they are not guaranteed or insured by any depository institution or the FDIC.
Veterans/Senior Checking
- If a senior: must be age 62 or over
- Minimum opening balance $100
- Earns interest
- Free ATM/Debit Card
- Debit Card Reward Program
- Up to 10 waived ATM surcharge fees per statement cycle
- Overdraft line of credit with approval
- Free checks
- Includes free traveler cards, free notary service, free official checks, discounted safe deposit box
- Free Internet Banking
- Imaged bank statement or e-statement available
- Two additional accounts with First Freedom are required
Interest Checking
- Minimum opening balance $100
- Earns interest
- Free ATM/Debit Card
- Debit Card Reward Program
- Up to 10 waived ATM surcharge fees per statement cycle
- Overdraft line of credit with approval
- Free Internet Banking
- Imaged bank statement or e-statement available
- No monthly service charge with minimum $1,000 balance ($7.00 monthly service charge for balances below $1,000)
Net Checking
- Minimum opening balance $100
- Free Internet Banking and bill payment
- Free ATM/Debit Card
- Debit Card Reward Program
- Up to 10 waived ATM surcharge fees per statement cycle
- Overdraft line of credit with approval
- No monthly service charge with minimum $1,000 balance ($10.00 monthly service charge for balances below $1,000)
Savings Accounts
Personal Money Market Savings
This account offers competitive interest rates plus easy, immediate access to your funds.
- Minimum opening balance $100
- Six withdrawals allowed per statement cycle (Fee charged if over six withdrawals made)
- No monthly service charge
- Free ATM/Debit Card
- Debit Card Reward Program
- Interest paid monthly based on balance
- 0-$2,499
- $2,500-$9,999
- $10,000-$24,999
- $25,000-$49,999
- $50,000 and above
Regular Savings
- Minimum opening balance $50
- No monthly service charge
- Earns Interest
- Maximum of 6 withdrawals allowed per statement cycle, however only 3 withdrawals per quarter are allowed with no fee.
- A charge of $10.00 per withdrawal will be accessed after 3 per quarter.
Vacation Club Savings
- Minimum opening balance $20
- Maximum of 6 withdrawals allowed per statement cycle, however only 2 withdrawals per year are allowed with no fee.
- A charge of $10.00 per withdrawal will be accessed after 2 per year.
- No monthly service charge
- Earns interest
- Deposits are limited to $500 per month
Christmas Club Savings
- Minimum opening balance $20
- Maximum of 6 withdrawals allowed per statement cycle, however only 2 withdrawals per year are allowed with no fee.
- A charge of $10.00 per withdrawal will be accessed after 2 per year.
- No monthly service charge
- Earns interest
- Deposits are limited to $500 per month
Health Savings
- Minimum opening balance $100
- Earns interest
- Free checks
- No monthly service charge
- Requires proof of high deductible health plan
Child Savings
- For children up to age 18
- Minimum opening balance $20
- Four withdrawals allowed per year (Fee charged for each withdrawal above 4 per year)
- No monthly service charge
- Earns interest
- Quarterly statement, imaged or e-statement
Certificates of Deposit
This account allows you to save your money in a safe and secure investment while having the option to choose your term. First Freedom Bank CDs are available for terms of 7 days to 5 years at competitive rates. Minimum opening balance is $500. Penalty for early withdrawal applies.
Individual Retirement Accounts
It's never too early to plan for your future. First Freedom Bank offers IRA accounts to help you plan for a secure retirement. There may even be possible tax advantages. Talk with us today for more details.
Loan Services
Mortgage Loans
First Freedom Bank offers a variety of mortgage programs to meet your needs. Whether you want to build or buy, check with us first. We offer Construction, Conventional, FHA and loans for first time home buyers. Apply online.
Personal Loans
Talk with First Freedom bankers about competitive auto loans, home equity lines of credit, personal loans, construction loans plus boat and RV loans.
Banking Conveniences
Experience the difference of business banking conveniences such as Internet banking, Direct Deposit, online bill payment, night depository, overdraft protection line of credit, merchant credit/debit card services, business credit cards and more. First Freedom Bank wants to be the bank you rely on for business financial needs. We'll work for your business. So you can do business.
CheckCard
It's like writing a check without having to write a check. Use your First Freedom
CheckCard any place that accepts MasterCard®. The funds come right out of your
checking account. That means you have the convenience of a credit card without
the finance charges of a credit card. Your CheckCard also doubles as an ATM
card.
There's great news about our CheckCards! Now, with every debit card purchase you make, you'll be earning points in our ScoreCard® rewards program. Just make your purchases as usual. Swipe, select credit (instead of selecting debit and using your PIN) and sign.*
The points will begin to accrue automatically. Visit www.ScorecardRewards.com—you'll find a wide range of exciting rewards.
Debit Card Rewards
First Freedom has implemented a rewards program for purchases made with our checking account debit cards. Debit cards offer a lot of great conveniences like quick transactions in stores and online, and the ability to withdraw cash from an ATM any time of day. When you make purchases with your debit card, a merchant will often ask if you'd like to use the card as debit or credit. To earn rewards points, just reply "credit." Since your card has a MasterCard® logo on it, it can be used this way, still deducting the funds from your checking account automatically, without the need to enter your PIN. Sign* the receipt and the points will automatically post to your account.
So what will it be—a vacation getaway or a nice gift for you or someone else? Visit www.ScorecardRewards.com to find a wide range of debit rewards like cruises, flights, hotels, name-brand jewelry, electronics, housewares, sporting goods and so much more. If you don't have a debit card, stop in to either location and fill out a quick application. You'll be earning points in no time!
*Signature may not always be required, but points will accrue when credit option is chosen over using a debit PIN.
Debit Card Security
First Freedom Bank offers you a new complimentary, online security service to add protection against unauthorized use of your First Freedom Bank MasterCard Debit Card when you shop online at participating merchants. Click here today to create your own private code.
After you have registered, the next time you shop online at participating merchants a window will appear from First Freedom Bank asking you to confirm your identity. This service adds more peace of mind when you're on line.
Credit Cards
First Freedom may be a local bank, but Visa and MasterCard credit cards are
accepted all over the world. Competitive interest rates, real buying convenience.
To find out more or to apply for a card, call First Freedom at (615) 444-1280.
E-statements
If you prefer, we'll email your monthly statement rather than mailing a hard copy.
No more paper statements to keep track of. Your filing cabinet will thank you.
Other Conveniences
- Safe Deposit Box
- 24-Hour Depository
- Bank-by-Mail
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