Free ACcount

A digital checking account that has no fees, period. Set up direct deposit to access up to 5.00%APY* interest on your checking account. 

Ready to get started?


SAve first, spend better
with a free account

An all-in-one account that rewards good saving habits & allows you to access your earned savings for everyday purchases using your mphCard. Quick, easy, and rewarding.


Earn 5.00%APY* with
direct deposit

Unlock 5.00%APY* high-yield checking for the initial $50,000 in your account by setting up monthly direct deposits of at least $2,000.


No minimum balance,
no monthly fees

A truly FREE account. It ensures simplicity, transparency, and freedom without the burden of unnecessary costs.


Unlimited high-interest goals accounts

All-in-one checking & savings account featuring unlimited Goals that earn 3.00%APY1 on all balances, with or without direct deposit.


Get paid up to
two days early2

It's your cash, get it sooner. Available with any of our checking accounts.

more Great account Features...

Round-up widget

A simple way to save that puts you in control.


Your own "contactless"
debit card

Your name, your debit card number, and…a smile.


Zelle® integration

A fast, safe and easy way to send and receive money.

Screen Shot 2024-05-16 at 10.20.27 AM

55,000+ free AllPoint ATMs

Use the Allpoint ATM Locator.4 Your cash is never far away.


Need more help learning about our Free Account?

Hear from Bryan about how the Free Account helped simplify his banking experience.



* Free accounts earn 5.00%APY (APY stands for Annual Percentage Yield) up to $50,000 in account deposits. Requires $2,000+ monthly direct deposit to qualify. All deposits in your checking account over $50,000 will receive 0.00%APY. All deposit products are provided by, and is a brand of, Liberty Savings Bank, F.S.B. Member FDIC.

1 Goals accounts earn 3.00%APY (APY stands for Annual Percentage Yield). All deposit products are provided by, and is a brand of, Liberty Savings Bank, F.S.B. Member FDIC.

2 Access to funds for getting paid early can be up to two days prior to the date of scheduled payment and is dependent on the submission of direct deposit by the payer. Standard fraud prevention restrictions apply.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

4 Click on the link to locate the 55,000+ surcharge-FREE ATMs in the ALLPOINT NETWORK near you.