Effective Date: 7/24/2024

Personal Checking Comparison Chart (Rate Table)


Freedom CheckingFreedom PLUS Checking

Freedom NOW
(Interest Bearing)

Freedom 55 CheckingFreedom Starter Checking
Unlimited Check WritingCheckmarkCheckmarkCheckmarkCheckmark
Free Checks
Required Minimum BalanceCheckmark


Online BankingCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Mobile Banking

Minimum Opening Balance

$100 Minimum Opening Deposit

$100 Minimum Opening Deposit

$100 Minimum Opening Deposit

$100 Minimum Opening Deposit

$5 Minimum Opening Deposit

eStatement ImagesCheckmarkCheckmarkCheckmarkCheckmark
No Fees on Cashier Checks & Money OrdersCheckmark
Monthly Service Charge

$3.00 Service Charge

$4.50 Service Charge

No Service Charge
If Daily Balance falls below $1,000 a $5.00 fee will be accessed.

No Service Charge

This account is for account holders up to age 23. No Service Charge until Age 24.


Freedom Checking

Why pay for services you don’t need? With our Freedom Checking account, you won’t have too. With
unlimited check writing and no required minimum balance, you’ll enjoy all the freedom this account has to offer for a monthly service charge of only $3.00 per month. Maximize the value of this account with our free VISA® Debit Card, eStatements, Online Banking and ECB Mobile app for added convenience. This account is offered with a $100.00 minimum opening deposit.

Freedom Plus Checking

Our Freedom PLUS Checking account offers all the convenience of our Freedom Checking account with the added benefit of the images of your checks returned with your statement. The Freedom PLUS Checking
account is offered with a minimum opening balance of $100.00 and a monthly service charge of $4.50 per month.

Freedom Now

Our Freedom NOW Checking account is an interest bearing account that offers unlimited check writing, a free VISA® Debit Card, eStatements, Online Banking and ECB Mobile app. This account does not incur a monthly service charge unless the daily balance of the account falls below $1,000.00. If the daily balance falls below $1,000.00, a $5.00 monthly service charge is assessed. Open this account with a $100.00 minimum opening deposit and begin earning interest today.

Freedom Starter Checking

Start building and planning your financial future with us. Our Freedom Starter Checking account has these features:

  • Free VISA® Debit Card, eStatements, Online Banking and ECB Mobile App
  • No monthly service charge
  • $5.00 minimum opening deposit
  • FREE ECB Piggy Bank when you open this account
  • You must be between the ages of 0 and 23 to qualify for this account
  • Parent or Guardian joint owner required for account holders under the age of 18

Freedom 55 Checking

If you are 55 years or older, we have an account to remind you of the simpler times. Our Freedom 55 Checking account is designed to make your life easier with these special account features:

  • No monthly service charge
  • No service fees on cashier checks or money orders
  • Free Online Banking, ECB Mobile app & unlimited Bill Pay
  • Complimentary Freedom 55 checks
  • Free VISA® Debit Card
  • $100.00 minimum opening deposit.

Make Your Wallet Smarter

The safe, convenient and secure way to carry around your wallet. 

We Know AgriBusiness

Our lenders work closely with Farmer Mac to ensure your lending needs are met.