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More Freedom, More Possibilities
Financial wellbeing looks different for everyone. For some, it means staying organized. For others, it means earning more, worrying less, or feeling confident about what comes next. Freedom Plus Checking is a simple place to start.
This FREE checking account gives you the flexibility to manage your money your way. With no monthly fees, high dividends and easy-to-use digital tools, Freedom Plus Checking helps support your financial goals today and as life changes. Whether you are just starting out or well established, this account is designed to grow with you. More freedom opens the door to more possibilities.
Why Members Choose Freedom Plus Checking
High Dividends
Earn more with dividends up to 0.50% APY1,2 on qualifying balances.
No Monthly Fees
Keep your money where it belongs, with you.
Get Paid Sooner
Receive your paycheck up to two days earlier with direct deposit3.
No Minimum Balance Requirements
Digital Banking Made Easy
Financial wellness is not about perfection. It is about having the right tools and the flexibility to make confident decisions. Freedom Plus Checking offers a straightforward way to stay in control of your money and plan for what is ahead. It is a checking account that works with you through every stage of life.
Ready to get started? Apply online or visit one of our 11 Central Coast branches.
Financial Wellness Center
Strong financial habits are built over time. Our Financial Wellness Center offers tools and resources to help you budget, plan, and grow with confidence. From everyday money tips to long-term goal setting, it is designed to support your financial journey at every step.
Super Checking
Want a little extra? Super Checking offers added benefits like IDProtect® identity theft protection, cell phone protection, high dividends, and ATM fee refunds. It is a great fit for members looking for additional value and peace of mind.
1 APY= Annual Percentage Yield. Rate effective June 1, 2026. High dividend of 0.50% APY will be paid on qualifying balances up to and including $25,000. Base dividend of 0.05% APY will be paid on balances that do not qualify for high dividend, and for all qualifying balances over $25,000.
2 Criteria required each month to receive high dividend APY: receive a minimum of one direct deposit of at least $100 to the checking account or complete a check or cash deposit of at least $500 each month, perform a minimum of 10 debit card transactions (ATM and BillPay transactions not included), sign up to receive eStatements only, and maintain a valid email address on file with CoastHills. Minimum balance to open is $50. There are no minimum daily balance requirements.
3 Early ACH direct deposits determined by timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date.
Not a member of CoastHills? Join today to experience Banking the Central Coast Way.