Find the checking account that’s just right for you

Premier Checking

An exceptional banking experience from the Bay Area's Premier Community Bank

  • ATM Surcharge Rebates1
  • Online Banking and Bill Pay
  • Mobile Banking2
  • World Debit MasterCard® with *UChoose Rewards®
  • Tiered Interest Rates3, view rates
  • Unlimited corporate design checks and cashier's checks
  • Increased limits on debit cards and mobile deposits
  • Premium interest rates on savings accounts and CDs, view rates
  • Exclusive premier service telephone line

$100 minimum opening deposit. No monthly service charge with minimum daily balance of $50,000 or $50,000 Combined Balance Option4, otherwise $29 per month. $2 paper statement fee waived.

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Freedom Checking

Our most popular full-feature and affordable checking account. It comes with debit card rewards and four ways to waive the monthly service charge.

  • ATM Surcharge Rebates1
  • Online Banking and Bill Pay
  • Mobile Banking2
  • Introductory Small Check Pack (50 checks)
  • Debit MasterCard® with *UChoose Rewards®

$100 minimum opening deposit. No monthly service charge with recurring $500 direct deposit6 to your checking account or $2,500 minimum daily balance or $5,000 with Combined Balance Option4, or Automatic Loan Payment to an existing Fremont Bank personal mortgage loan or Home Equity Line of Credit, otherwise $18 per month. $2 paper statement fee waived for e-statements5.

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Value Checking

The most basic and straightforward checking account with a small monthly fee.

  • ATM Surcharge Rebates1
  • Online Banking and Bill Pay
  • Mobile Banking2
  • Introductory Small Check Pack (50 checks)
  • Debit MasterCard® with *UChoose Rewards®

$100 minimum opening deposit. $9 monthly service charge. $2 paper statement fee; waived for e-statements5.

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Student Checking

Enjoy a full-featured checking account with no account monthly service fee for up to 5 years if you are enrolled as a full-time student at an accredited institution7. Perfect for students in high school and college.

  • ATM Surcharge Rebates1
  • Online Banking and Bill Pay
  • Mobile Banking2
  • Debit MasterCard® with *UChoose Rewards®
  • Introductory Small Check Pack (50 checks)

$100 minimum opening deposit. $2 paper statement fee; waived for e-statements5.

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Just Right CheckingSM programs (including, without limit, fees, rates and features) are subject to change without notice.

*Separate enrollment of eligible debit card in UChoose Rewards® required. Eligibility and participation are subject to terms, conditions and restrictions. Taxes, if any, are account holder's responsibility. The value of rewards from redeemed points may be reported to the IRS as miscellaneous income on Form 1099–MISC in the year redeemed.

1 ATM surcharges will be automatically rebated for any other Bank-owned and operated ATM in the United States.

2 Mobile Banking: Messaging and data charges from your mobile carrier service apply. Review your contract with your individual mobile carrier service before enrolling in Mobile Banking. Mobile internet browser is required in order to use some optional features of Services.

3 This is a variable rate account. Rates may change at any time without prior notice. Fees may reduce earnings.

4 The Combined Balance Option allows you to combine certain balances to avoid paying monthly service charges on your eligible checking account. The Combined Balance Option requires identical account ownership. You can avoid the monthly service charge on only one checking account by choosing the Combined Balance Option. The Option is activated on any day the checking account balance falls below the minimum amount required to avoid the monthly service charge. When that happens, the balance of the checking account will be combined with the lowest month-to-date minimum balance(s) in the flexed account(s) to determine if you meet the balance requirement.

5 A $2.00 paper statement fee applies; waived for e-statements. Electronic statements (e-statements) are free but require online banking. To receive electronic delivery services, you must have a working connection to the internet with email capability.

6 A Direct Deposit of your salary, pension, Social Security, or other regular monthly income electronically deposited to your account. Transfers from one account to another, or deposits made at a branch or ATM, do not qualify as a Direct Deposit. 

7 No account monthly service charge on Student Checking for 5 years while enrolled full-time in an accredited institution. Subject to approval. Certain restrictions apply. Students must provide proof of enrollment at an accredited institution at time of account opening. After the first 5 years, the account will be converted to a standard Freedom Checking account and subject to the then current checking service charges. For students under 18, a parent/guardian must be listed as a joint owner on the account.