Personal Services
Checking Accounts
Checking
- Minimum opening balance $100
- Free ATM Debit Card
- Overdraft protection with approval
- No service charge with minimum $500 balance ($6 monthly service charge for balances below $500)
- 10 waived ATM surcharge fees anywhere in the US
- Internet banking
- Telephone banking
- Imaged bank statement or e-statement possible
Free Checking
- Minimum opening balance $50
- Free ATM Debit Card
- Overdraft protection with approval
- No service charge
- Duplicate checks
- E-statement
- Internet banking
- Telephone banking
First Freedom Club
- Minimum opening balance $100
- Free ATM Debit Card
- Overdraft protection with approval
- Free First Freedom Club checks
- Free Official Checks (limit 3) per month
- Bonus CD rates
- No minimum balance required
- $9 monthly service charge
- Internet banking
- Telephone banking
- Imaged bank statement or e-statement possible
- No ATM surcharge fees anywhere in the US
- Includes insurance, free travelers checks, 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)***
- $20,000 Common Carrier Insurance (coverage divided equally among joint account holders)***
- $5,000 Identity Theft Expense Reimbursement Insurance ***
- Credit Card Registration
- Entertainment Savers Guide
- Roadside Assistance Reimbursement
- Walk-In Pharmacy Discount Card
- EyeCare & EyeWear Discounts
***(insurance is Not a deposit, Not FDIC insured, Not guaranteed by the government or the bank, and may lose value)
First Freedom Club for Seniors
- Minimum opening balance $100
- Must be age 50 or over
- Free ATM Debit Card
- Overdraft protection with approval
- Free First Freedom Club checks
- Free Official Checks (limit 3) per month
- Bonus CD rates
- Free travelers checks
- Free notary and fax services
- Discounted safe deposit box
- Safe Deposit Journal
- Internet banking
- Telephone banking
- Imaged bank statement or e-statement possible
- No minimum balance required
- $5 monthly service charge
- No ATM surcharge fees anywhere in the US
- $10,000 Accidental Death & Dismemberment Insurance (coverage divided equally among joint account holders, reduces 50% at age 70)***
- $20,000 Common Carrier Insurance (coverage divided equally among joint account holders)***
- $5,000 Identity Theft Expense Reimbursement Insurance ***
- Credit Card Registration
- Entertainment Savers Guide
- Roadside Assistance Reimbursement
- Walk-In Pharmacy Discount Card
- EyeCare & EyeWear Discount
***(insurance is Not a deposit, Not FDIC insured, Not guaranteed by the government or the bank, and may lose value)
Veterans/Senior Checking
- Minimum opening balance $100
- Earns interest
- Free ATM Debit Card
- Overdraft protection with approval
- 10 waived ATM surcharge fees anywhere in the US
- Free checks
- Includes free travelers checks, free notary service, free official checks, discounted safe deposit box
- Internet banking
- Telephone banking
- Imaged bank statements or e-statement possible
- No monthly service charge with two additional accounts
Interest Checking
- Minimum opening balance $100
- Earns interest
- Free ATM Debit Card
- Overdraft protection with approval
- 10 waived ATM surcharge fees anywhere in the US
- Internet banking
- Telephone banking
- Imaged bank statements or e-statement possible
- No monthly service charge with minimum $1,000 balance, ($7.00 monthly service charge for balances below $1,000).
Net Checking
- Free ATM/Debit Cards
- Overdraft protection with approval
- Free Internet banking and telephone banking
- E-statement
- 10 waived ATM surcharge fees anywhere in the US
- No monthly service charge with a minimum balance of $1,000 ($10 monthly service charge with minimum balances below $1,000)
- $100 minimum opening balance
Savings Accounts
First Freedom Bank offers money market savings, Christmas Club savings, Vacation Club savings, and savings accounts designed especially for children and students up to age 18.- Child's Savings, for children up to age 18
- Minimum opening balance $20
- Four withdrawals allowed per year ($5 charge above 4 per year)
- No monthly service charge
- Earns interest
- Quarterly statement, imaged or e-statement
Christmas Club Savings
- Minimum opening balance $20
- Two withdrawals allowed per year ($10 charge for each withdrawal above 2 per year)
- No monthly service charge
- Earns interest
- Deposits are limited to $500 per month
Vacation Club Savings
- Minimum opening balance $20
- Two withdrawals allowed per year ($10 charge for each withdrawal above 2 per year)
- No monthly service charge
- Earns interest
- Deposits are limited to $500 per month
Money Market Savings
This account offers competitive interest plus easy, immediate access to your funds.- Minimum opening balance $100
- Six withdrawals allowed per statement cycle
- No monthly service charge
- Free ATM/Debit Card
- Interest paid monthly based on balance
- 0-$2499
- $2500-$9999
- $10,000-$24,999
- $25,000-$49,999
- $50,000 and above
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, Adjustable Rate Mortgage, FHA, VA, loans for first time home buyers and 100% loan programs.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 telephone banking, 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.
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 our 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.
On-Call Telephone Banking
With telephone banking from First Freedom Bank, your account information is as close as your phone, any time day or night.- Get important account information
- Make a balance inquiry
- Review recent transaction activity
- Check on the status of a specific check
To get started with telephone banking, call us 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
