Personal Checking

Personal checking accounts are truly personal at Fremont Bank. That’s because they combine features everybody loves with benefits customized to your unique needs. Explore our checking options and find the one best suited to your lifestyle.

Fremont Bank Checking Accounts

Checking Accounts for Everyone

Simplify your day-to-day financial life with a Fremont Bank checking account. Whether you choose a basic or interest-bearing account, you’ll receive benefits and features that can help you manage your money and keep it secure.


An interest-bearing account that offers tailored experiences and access to Premier events.


A full-service checking account featuring multiple ways to waive the monthly service fee, including a waiver for students.1


A checking account that rewards you with distinctive benefits for banking where you borrow.

Compare Our Checking Solutions

No matter which checking account you choose, you can count on helpful features, ATM surcharge rebates2 and the support of a local bank that works hard for you.

Account Premier Freedom Cornerstone
The right account for you if you want:
ATM Surcharge Rebate2
Online Banking and Bill Pay
Mobile Banking3 
Complimentary Small Check Pack (40 checks)
Debit Mastercard®
Earns Interest4 
Premium Interest Rate on Money Market Account4
Free Cashier’s Checks
Minimum Deposit to Open
Monthly Service Charge
Paper Statement Fee9
ATM Daily Maximum Withdrawal Limit

Calling All Students

School is hard so let your banking be easy. Our Freedom Checking account offers digital banking and no monthly service charge for students under 261 so you'll be managing your money like a pro in no time.

Additional Products and Services

We Don’t Just Do Checking

Personal checking is just one of the ways Fremont Bank can help you manage your financial life and reach your short- and long-term goals.


Take advantage of great rates for purchasing and refinancing.

Savings & CDs

Accelerate your savings with our competitive rates.

Debit Cards

Enjoy benefits and rewards that are important to you.

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.

1 Account available for students 10 to 25 years old at account opening. For students under the age of 18, a parent/guardian must be listed as a joint owner on the account. Account subject to approval. Certain restrictions apply. Student must provide a valid student ID as proof of active enrollment in an accredited educational institution at time of account opening. Upon student’s 26th birthday, or sooner if not enrolled as a full-time student in an accredited educational institution, the account will be converted into a standard Freedom Checking account and subject to the then current checking service charges.

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

3 Mobile Banking: Fremont Bank Mobile Banking App is available for select mobile devices. Enroll in Fremont Bank Personal Online Banking and download the Fremont Bank Mobile Banking App. There is no charge from Fremont Bank, but messaging and data charges from your mobile carrier service may 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.

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

5 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.

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 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. To be deemed qualifying, all qualified transactions must post to the account during the statement period.

8 A $2.00 paper statement fee applies; waived for e-Statements. 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 canceled.

Mastercard® and the Mastercard Brand Mark are registered trademarks and Mastercard Global Service® and Mastercard Airport Concierge® are trademarks of Mastercard International Incorporated, used pursuant to a license.