Freedom First, where free checking really is free! We offer free and interest-bearing checking accounts, and they all come with a free Freedom First VISA® Debit Card. Add Direct Deposit & you may even get your paycheck up to 2 days early.*


           

CARDVALET

Every Freedom First checking account comes with a free VISA debit card. And now you can protect yourself and your accounts even more with custom usage and access settings from the free CardValet app on your mobile device.

Download the CardValet app and you can:

  • Set spending limits and monitor what spending is for, such as gas, hotel, travel, restaurants, or groceries.
  • Turn access on/off based on your settings or on demand. This control can be used to disable a lost or stolen card.
  • Restrict transactions to certain locations or within a certain range using your mobile device's GPS.
  • Receive alerts when your card is used, when a transaction is approved, or when an attempted card transaction is declined.

With CardValet on your mobile device, you can conduct limited card-related transactions wherever you are, any time of the day, including real-time balance inquiries and locating ATMs.

Watch the video and learn how to set and use controls on the CardValet app.

Download the app today while on your mobile device. From your desktop you can view the apps.      


           

FREEDOM CHECKING

No monthly maintenance fees. No balance requirements. No hassle. Freedom Checking includes access to free Online Banking, Bill Pay, and e-Statements. Our ATM network includes thousands of surcharge-free ATMs -- more than twice the amount of the largest bank!

Other features:

  • Free optional Online Banking, Bill Pay, and e-Statements
  • Unlimited teller and debit transactions
  • Free checks (50 free with your first order for your new account)

See Freedom First’s Consumer Fee Schedule for details.

OPTIMUM CHECKING

Enjoy the best of both worlds. Earn monthly dividends and no service fees with a low $1,000 balance requirement*. Optimum Checking includes a free VISA® Debit Card that you can use in stores and at ATMs worldwide. Our ATM network includes thousands of surcharge-free ATMs.

Other features:

  • No limit on the number of bills you pay for free.
  • Free checks(4 boxes per year)
  • Choose one-time or regular repeating payments.
  • Track your payment status online, anytime.

See Freedom First’s Consumer Fee Schedule for details.


           

           

INDEX CHECKING

Keep your funds liquid while earning a high market-level rate using a tiered rate dividend method. This is no ordinary checking account. Index Checking includes a free VISA® Debit Card that you can use in stores and at ATMs worldwide. Our ATM network includes thousands of surcharge-free ATMs.

Other features:

  • Dividends paid monthly
  • Free optional Online Banking, Bill Pay, and e-Statements
  • Free checks(4 boxes per year)
  • Unlimited check writing and teller transactions

Index Checking is not for everyone. You must maintain a minimum average daily balance of $25,000 and make 10 or more purchases using your Freedom First debit card each month. Are you ready to start earning?

See Freedom First’s Consumer Fee Schedule for details.

Open an Account Today!

If you live, work, worship, or go to school in the counties of Botetourt, Craig, Franklin, Montgomery, or Roanoke, or in the cities of Roanoke, Radford, and Salem you can join Freedom First!

Branch Locations

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Advice Center

Our Advice Center puts financial planning resources in your hands 24/7. Manage your finances, learn about the mortgage process, prepare for key financial decisions, and much more. Manage your money with confidence. And call on our personal bankers when you’re ready to talk.

Advice Center

From startups to payroll to taxes, our Advice Center is a free, no-obligation resource for your business. Manage your business with confidence. And call on our business reps when you’re ready to talk.