What's better than free checking? Free checking that pays you cash back on everyday debit card purchases.

Key Features

  • Cash Back
  • ATM Withdrawal Fee Refunds
  • No Monthly Maintenance Fees

Do you currently have an account with Freedom Institution?

  • Free checking that pays you back
  • Earn 3.00% cash back on debit card purchases*
    • No category restrictions on purchases
    • Cash back earned on up to $200 in purchases monthly
    • Earn up to $72 cash back per year, $6 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Includes digital banking services
    • Free online banking with bill pay
    • Free mobile banking
    • Free e-statements
  • Free Visa® debit card
  • $25 minimum deposit to open

Here’s How You Qualify

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back® account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Have at least 1 automatic payment (ACH) post and settle
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

That’s it. Even if you don’t meet your qualifications during the cycle, your Kasasa Cash Back account is still free. Plus, you can get back to earning cash back on debit card purchases and nationwide ATM fee refunds the very next month.

Do you currently have an account with Freedom Institution?

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, [PIN-based, signature based] debit card purchases less than [$XX.XX], credit card purchases less than [$XX.XX], debit [and credit] card purchases processed by merchants and received by our [bank / credit union] as ATM transactions, [PIN-based, signature based] transactions, non-retail payment transactions, and purchases made with debit [or credit] cards not issued by our [bank / credit union]. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) [X.XX%] cash back on up to a total of [$XXX.XX] [PIN-based/signature-based] debit [and credit] card purchases that post and settle to the account during that cycle period. A maximum of [$X.XX] cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to [$XX] ($X.XX per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented [within sixty (60) calendar days of transaction] for reimbursements of individual ATM fees of [$X.XX] or higher. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. [No /[$XX] minimum deposit is required to open the account. Monthly [Direct Deposit/ACH credit], [enrollment in online banking], [receipt of electronic statements] [is /are /may be] a condition(s) of [this/these]accounts. Enrollment in electronic services (e.g. online banking, electronic statements, [Kasasa 360] and log-ons may be required to meet some of the account’s qualifications. Limit [X] account(s) per [social security number / individual taxpayer identification number / household]. There are [no] recurring monthly maintenance charges or fees to open or close this account. Contact one of our [bank / credit union] service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. [Member FDIC / Federally insured by NCUA]. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.