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.



Optimum Checking is an interest bearing account with a small balance requirement of $1,000. In addition, every Freedom First checking account comes with a free VISA debit card.

Other great features of Optimum Checking

Optimum Checking not for you? We have other options to fit your needs. 

See what FREEdom Checking or Index Checking offers.

Are you a small business owner? Then Business Checking may be right for you.


*See Freedom First’s Consumer Fee Schedule for details.




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!