Our Regular Interest Checking Accounts pair perfectly with our Regular Savings Accounts to provide a low-minimum, low-maintenance financial foundation.
Not yet a member? See the benefits and apply now.
This account is great if you: write a few checks each month and want the flexibility of maintaining a low minimum balance.
Need help deciding which account is right for you? Let us guide you.
Minimum opening deposit is $50
This initial deposit opens the door to all our offerings.
$5 service charge
To waive the service charge, you must maintain a minimum $250 daily aggregate total in any Share Deposit Account with Fremont Federal Credit Union.
0.25% rate discount
Get a 0.25% rate discount on direct installment loans with auto-debit from a FremontFCU account.
Our checking accounts come with these convenient features:
Online banking with free check copies
Take your account on-the-go with our easy-to-use site and mobile app, and get free copies of your checks.
Mobile wallet
Add your card to your phone’s wallet, and use it anywhere tap to pay is accepted.
Overdraft privilege
Accidents happen! For FremontFCU accounts in good standing, we may honor overdrafts up to the limit assigned.
Direct deposit
Take the hassle out of pay day by having funds instantly deposited in your account.
And, more.
Like unlimited check writing and a free debit card.
Need clarification? Chat with a real person—who really knows what they’re talking about. Our Member Service Call Center is always open.
Yes, a debit card is included for easy everyday purchases and ATM access.
Some checking accounts may require a minimum balance to avoid fees—check the specific account details.
You’ll need a valid ID and basic personal information.
Yes, standard mobile banking is free.
Mobile deposit, transfers, and account monitoring.
Yes, available for iOS and Android.
Sign up through the website with your account details.
Yes, it uses advanced security features.
Check balances, transfer funds, and manage accounts.
Most e-services are free.
Through online or mobile banking.
Digital tools like e-statements, alerts, and account notifications.
Add your debit card through your device’s wallet app.
Yes, it uses encryption and tokenization.
A digital way to pay using your phone or device.
Our experts are happy to help find the right checking account for your goals.
High Interest, Low Balance
Great for Those looking to earn money quickly and easily.
Open to anyone over the age of 18.
Great for People who need the flexibility of maintaining a low minimum balance.
Open to those ages 50+
Great for Older adults looking for an interest-earning checking account—and who like special discounts and benefits.
*Annual Percentage Yield. The dividend rate for these accounts is subject to change without any notice. Fees or other conditions could reduce the earnings on these accounts. Please contact Fremont Federal Credit Union for additional information regarding applicable rates, fees and terms. Rates effective: June 10, 2026
*APY= Annual percentage yield. **Hi-Lo Checking. Hi–Lo Checking can earn a max of 10.47% APY* on balances up to $1,500.00 when monthly qualification requirements are met. Additional Balances over $1,500.00 earn 0.00% APY. If qualifications are not met, the entire balance earns 0.00% APY. Rates effective: June 10, 2026
