Compare Checking Accounts
| Personal Checking | BIG DEAL®
Cash | BIG DEAL®
Cash Back | Free | Interest |
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Choose
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To earn a premium rate on your checking balance
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To receive cash back on your daily debit card transactions
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For a great basic checking account, without interest or rewards
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To receive a competitive interest rate on your checking balance
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Monthly Reward
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2.00% APY* paid on balances up to $25,000
That could be an additional $500 per year in interest!
Pair with a BIG DEAL® Saver to earn even more!
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3%** cash back on up to $300 in debit card transactions, every month!
That’s up to $108 a year just for using your card!
Pair with a BIG DEAL® Saver to earn even more!
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N/A
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Competitive tiered interest rate- earn a higher rate by keeping a higher balance.
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Automatic Refunds on ATM Fees, Nationwide
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Up to $20 each month***
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Up to $20 each month***
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N/A
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N/A
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Minimum Balance Required
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None
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None
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None
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$300 to waive the $7.50 monthly service charge
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Monthly Service Charge
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$0
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$0
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$0
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$7.50 if balance falls below $300
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Free Online Services
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Online Banking
Bill Pay2
Mobile Banking
Mobile Deposit
eStatements
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Online Banking
Bill Pay2
Mobile Banking
Mobile Deposit
eStatements
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Online Banking
Bill Pay2
Mobile Banking
Mobile Deposit
eStatements
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Online Banking
Bill Pay2
Mobile Banking
Mobile Deposit
eStatements
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Minimum Opening Deposit
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$50
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$50
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$50
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$50
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Get Started
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Open Now
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Open Now
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BIG DEAL® Cash & Cash Back
Enjoy the luxury to choose your reward with BIG DEAL® Rewards! BIG DEAL® Rewards gives you access to all the benefits of online and mobile banking, automatic refunds on ATM fees nationwide***, plus a monthly reward of your choosing- premium interest on your checking balance, or cash back on your everyday debit card transactions. Pair with a BIG DEAL Saver to earn even more! BIG DEAL® Rewards- more than you expect from a free checking account, but exactly what you deserve!
BIG DEAL® Cash
Earning Cash has never been so simple! BIG DEAL® Cash is our customer preferred checking account with all the bells and whistles!
- Earn 2.00% APY* on balances up to $25,000- that's $500 per year in interest
- Earn 0.15% APY on balances above $25,000
- Automatic refunds on ATM fees nationwide- up to $20 monthly***!
- Pair with our high interest savings- BIG DEAL® Saver to earn even more!
- No minimum balance
- No monthly service charge
- Free Online Banking
- Free Mobile Banking
- Free Mobile Deposit
- Free checks at account opening
- Free eStatements
- Free initial ATM/Debit Card
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BIG DEAL® Cash Back
Put money back in your wallet with BIG DEAL® Cash Back. We don’t care if it’s gas, groceries or restaurant purchases, with BIG DEAL Cash Back you earn the same competitive cash back rate for every category- that's a BIG DEAL®!
- Earn 3% Cash Back on up to $300 in debit card purchases monthly**
- Automatic refunds on ATM fees nationwide- up to $20 monthly***!
- Pair with our high interest savings- BIG DEAL® Saver to earn even more!
- No minimum balance
- No monthly service charge
- Free Online Banking
- Free Mobile Banking
- Free Mobile Deposit
- Free checks at account opening
- Free eStatements
- Free initial ATM/Debit Card
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It's easy to earn BIG DEAL® checking rewards:
Simply complete the qualifiers below each month and quickly become our most cost-efficient customer. This makes it easy for us to pass the savings right back to you in the form of the reward you’ve selected.
- Have a minimum of 12 debit card transactions post and settle each month
- Have at least 1 direct deposit or automatic payment post and settle each month
- Receive eStatements
BIG DEAL® Rewards FAQs
Q: What happens if I don’t complete the qualifiers?
A: You will not receive your account rewards for that month, but your account is still free!
Q: What does “post & settle” mean?
A: When you make purchases using your debit card, the merchant places a hold on your account for the amount owed. It may take several days for the transaction to leave “pending” status and post and settle to your account.
Q: Do automated transfers between Frontier Bank accounts or loans qualify as an ACH or direct deposit?
A: No, unfortunately transfers between Frontier Bank accounts or loans do not qualify as an ACH or Direct Deposit. These need to be initiated through a third party such as your employer, social security or utility company.
Q: Do ATM withdrawals count towards my 12 debit card transactions?
A: No, only point-of-sale (POS) purchases count towards your 12 debit card transactions.
Have Questions? Contact a Customer Service Representative
CHOOSE YOUR REWARD
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Free Checking
Hassle-free, headache-free, just- free! Avoid minimum balances and jumping through hoops to waive monthly service fees with Frontier Bank’s free checking account. It’s just free- and that simple!
Benefits of this account include:
- No minimum balance
- No monthly service charge
- Free online banking
- Free mobile banking
- Free mobile deposit
- Free checks at account opening
- Free initial ATM/Debit Card
- Free Statements- paper or electronic
Have Questions? Contact a Customer Service Representative
Open Now
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Interest Checking
Earn a competitive interest rate on your checking account balance with Frontier Bank’s interest checking account. Earn a higher rate by keeping a higher balance in the account.
Benefits of this account include:
- Free online banking
- Free mobile banking
- Free mobile deposit
- Free checks at account opening
- Free initial ATM/Debit Card
- No minimum balance
- Free Statements- paper or electronic
- Earn a competitive interest rate based on the balance in your account
- $7.50 monthly service fee if balance falls below $300
Have Questions? Contact a Customer Service Representative
Open Now
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*Big Deal® Cash: When qualifications1 are met each monthly qualification cycle: (1) Balances up to $25,000 receive 2.00% APY; (2) Balances over $25,000 earn 0.15% APY on the portion of the balance over $25,000. (Example: For an $100,000 account balance, the APY would be 0.61%). If qualifications are not met, all balances earn 0.05% APY.
**Big Deal® Cash Back: When qualifications1 are met each monthly qualification cycle: Receive 3% cash back on debit card purchases that post to and settle to your account during the monthly qualification cycle up to a total cash back of $9 per monthly qualification cycle.
***When qualifications1 are met each monthly qualification cycle, Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 (up to $4.99 per single transaction). ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
Big Deal® Cash and Cash Back Accounts: Rewards and ATM Fees will be credited to the account on the last calendar day of the statement cycle. Qualifying transactions must post to and settle to the account during the monthly qualification cycle. “Monthly Qualification Cycle” means a period beginning on the first calendar day of the month to the last calendar of the same month. Limit one account per social security number.
All Accounts: APY= Annual Percentage Yield. Rate effective as of 2/24/2021 and subject to change. Account approval requirements apply. Contact a Frontier Bank Representative for additional information.
1Qualification Requirements: (1) Have a minimum of 12 debit card transactions post and settle during the monthly qualification cycle; (2) Have at least 1 direct deposit or automatic payment post and settle during the monthly qualification cycle; (3) Receive eStatements through our online banking platform.
2At least one payment must post each month, otherwise the fee is $4.95/month.
$50 Refer a Friend
All individuals must be 18 years of age or older. Referral bonus not available for referring individuals in your own household. Applicant must mention your name at the time of account opening. Over 6 referrals per year would require a 1099-Misc to be filed. Bonus will be deposited into your Frontier Bank account within 30 days of referred account being opened.
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