Freedom First, where free checking is absolutely FREE! No hidden fees, no asterisks!


All the FREE reasons to open an account.

FREEdom Checking - no fees, no balance requirement.

FREE Online Banking, Bill Pay and e-statements.

1000s of surcharge-FREE ATMs (more than twice the larger banks). The FREE CU24 app will map ATMs at your location. (Download from the app store.)

FREE mobile deposit app that let's you bank on the go.

Unlimited teller and debit transactions…FREE.

FREE checks (50 free with your first order).

Get paid up to 2 days early. FREE with direct deposit!

FREE VISA debit card.

FREE CardValet app on mobile to turn your debit card on and off, or apply other custom usage settings.


Open a FREEdom Checking account today!

See Freedom First’s Consumer Fee Schedule.

Need more Checking or Business acount options?



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.      

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!