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 (40 checks)
  • Debit MasterCard® with *UChoose Rewards®

$100 minimum opening deposit. No monthly service charge with recurring $500 direct deposit6 to your checking account or $1,500 average daily balance or $5,000 with Combined Balance Option4, or when you make 10 or more qualifying debit card transactions, or if you are a student age 25 or younger, otherwise $10 per month. $2 paper statement fee waived for e-statements5.

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Cornerstone Checking

Enjoy a full-featured checking account designed exclusively for Fremont Bank mortgage clients. Cornerstone Checking clients can earn up to $270 in rewards the first year their account is open7 and up to $120 annually every year after.8

  • ATM Surcharge Rebates1
  • Online Banking and Bill Pay
  • Mobile Banking2
  • Introductory Small Check Pack (40 checks)

$100 minimum opening deposit. No monthly service charge with automatic loan payment to an existing Fremont Bank first mortgage or Home Equity Line of Credit, otherwise $15 per month. $2 paper statement fee waived E-statements5.

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Just Right CheckingSM programs (including, without limit, fees, rates and features) are subject to change without notice.
Accounts are subject to approval. The terms of the account, including any fees or features, may change. See the Deposit Account Agreement and Account Terms and Conditions Schedule of Fees and Charges for the terms and conditions associated with the product.
*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 e-Statements (electronic statements) are free but you must enroll in Online Banking and have a working connection to the internet with email capability. If you cancel e-Statements, your account will be subject to the paper statement fee beginning with the end date of the statement period in which e-Statements are cancelled.

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 New account rewards offer is valid for new Fremont Bank Cornerstone personal checking clients only. Clients who currently have a personal checking account with Fremont Bank as a primary or secondary account holder are not eligible for this reward. To receive $150 new account rewards: open a new Fremont Bank Cornerstone Checking account and receive $50 for each of the following completed activities within the first 60 days of account opening, up to $150 total. 1) Direct Deposit: Earn $50 when you establish a recurring direct deposit6 of $500 or more. 2) Online Bill Pay: Earn $50 when you complete two or more online bill payments 3) Debit Card: Earn $50 when you make 25 or more debit card purchases*** greater than $5 with your personal Fremont Bank Debit Card within 60 days of account opening. Maximum $150 new account rewards**.

8 Monthly Account Rewards**. To be deemed qualifying, all qualified activities must post to the account during the statement period. Receive a $10 cash account reward each statement cycle when you are enrolled in Automatic Loan Payments and complete 3 of the 4 following qualifying activities: 1) receive account e-Statements5, 2) receive a recurring Direct Deposit6 of $500 or more, 3) Make at least one online bill payment9, 4) make 5 or more qualifying debit card purchases.***

9 Electronic bill payments using Bill Pay. You must be enrolled in Online or Mobile Banking to activate and use Bill Pay.

** Rewards will be credited to the account and reported as interest and Fremont Bank may issue an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflect the value of the account credit.

*** A qualifying debit card transaction is defined as a point-of-sale (POS) purchase transaction using your PIN (Personal Identification Number), purchases you sign for, internet, phone and mail order purchases, small dollar purchases that do not require a signature or PIN, and bill payments where payee processes the transaction as a credit transaction. Qualifying transactions from same account but with different cards are combined. Transactions that do not qualify include ATM transactions, cash transactions and refund/return transactions.

$10 Monthly Account Bonus. Receive a $10 cash bonus during each statement cycle when you are enrolled in ALP and complete 3 of the 4 following activities: 1) enroll in e-statements, 2) receive a recurring Direct Deposit of $500 or more, 3) Complete one online bill payment, 4) make 5 or more qualifying debit card transactions.