Freedom Checking

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Freedom Checking combines everyday banking convenience with a tiered interest structure that rewards higher balances. If you typically keep more money in your checking account, Freedom Checking allows you to earn interest while maintaining easy access to your funds.

Account Highlights

• Tiered Interest: The higher your balance, the higher the interest rate you can earn. ¹
• Avoid Monthly Service Charges: No monthly service charge with a $1,500 average collected balance. A $12 monthly service fee applies if the balance requirement is not met.
• Free Digital Banking: Manage your accounts anytime through online banking, mobile banking, mobile deposit, and eStatements.
• Free Visa® Debit Card: Make purchases and access ATMs with your debit card.
• Liberty Link Protection: Link your account to another First Lonestar account to help reduce the chance of overdrafts and declined transactions.

Many customers maintain higher balances in their checking accounts for convenience but still want the opportunity to earn interest on those funds.

Freedom Checking offers:

• Interest-earning potential without moving money to another account
• Convenient everyday banking access
• Digital banking tools that make managing money easy
• Protection through Liberty Link overdraft transfers
• Local service from a community bank serving Frisco, Dallas, and the greater North Texas area

This section better aligns with your goal of answering customer questions and explaining value, not just features.

BUILD YOUR SAVINGS AT THE SAME TIME

While Freedom Checking helps you earn interest on your everyday balances, First Lonestar Bank also offers savings solutions designed to help you reach your financial goals. Whether you're building an emergency fund, saving for a major purchase, or looking for a higher-yield option for excess funds, our savings accounts provide a secure and convenient way to grow your money while keeping it accessible when you need it. Talk with a First Lonestar Bank associate about the savings account that best fits your needs.

Explore Savings Accounts

FAQs

Is there a minimum balance required to earn interest?

Yes. A minimum monthly balance of $100 is required to earn interest.

What is the minimum deposit required to open a Freedom Checking account?

A minimum deposit of $50 is required to open a Freedom Checking account.

How often is interest paid?

Interest is compounded daily and credited to your account monthly.

How does Liberty Link work?

With Liberty Link, when your checking account is linked to another eligible First Lonestar account, available funds may be transferred to help cover transactions that exceed your checking account balance.

What digital banking services are included?

Freedom Checking includes:

• Online Banking
• Bill Pay
• Mobile Banking
• Mobile Deposit
• eStatements
• Visa® Debit Card (subject to approval)
• Unlimited point-of-sale transactions
• First Lonestar ATM access