Freedom Spending

Old Glory Bank's Freedom Spending Account is our version of a Checking Account. 

Freedom is a beautiful thing. An Old Glory Bank Freedom Spending debit card is, too. You can proudly wave your card to proclaim your love of country and support of its ideals.

But the real beauty is what a Freedom Spending account does, like helping you keep track of your spending. And what it doesn’t do, like bury you with fees. Open your Freedom Spending Account in about 8 minutes, with as little as $50.*

  • No monthly maintenance fee. No minimum balance.

  • One complimentary debit card per account holder.

  • Easy cash deposits at over 85,000 retail locations with Cash-IN.

  • Fee-free access to approximately 40,000 in-network ATMs. Find an in-network ATM. Please note: In some cases, the owner/operator of an ATM may impose withdrawal limits that are less than what Old Glory Bank allows.

  • Free direct deposit. With the integrated ClickSwitch service, securely switch your payroll/benefits direct deposits to your account at Old Glory Bank.

  • No-fee Overdraft Security of up to $200.***

  • Available Overdraft Protection from your linked Freedom Savings Account.***

  • Mobile check deposits. Deposit your paper checks using our convenient Old Glory Bank app.

  • Free bill pay. Easily make electronic payments via ACH and even send a “paper check” to people who cannot receive an electronic payment. We do the work for you!

  • GOALS to help you set savings targets and recurring transfers to reach them. Earn interest on your GOALS as they grow.**

  • Optional Charitable Round-Up to support the causes that matter to Old Glory Nation.

  • Helpful debit card controls and custom limits*. Switch your card off and on instantly through the app.

  • Convenient payments with CardSwap, our tool to quickly assign your Old Glory Bank debit card to pay popular subscriptions you already use, including Hulu, Spotify, Amazon, Pandora, Apple Music, Uber, Verizon, and many more.

  • Custom alerts, such as your daily balance, to help you keep tabs on your finances.

  • Free electronic transfers from your external bank accounts to your Old Glory Bank account. Move your money out of that bank that doesn’t support your values!

  • Budget and Planning Tools to keep track of all your financial accounts (even non-OGB accounts) and categorize your purchases automatically, in one location in the Old Glory Bank app.

  • Free access to your electronic account statements, 24/7. 

* Please note that these lists are just a summary. Full Terms and Conditions apply.

** See our Current Rates and Fees. Fees may reduce earnings.

*** When opening a Spending Account, customers will have the option to opt-in to our no-fee Overdraft Security to begin 60 days after account opening. If opted-in, all accounts in good standing will be entitled to no-fee Overdraft Security of up to $25.00 on debit card purchases, ACHs, and bill pay checks (but not ATM withdrawals or P2P payments). Beginning 150 days after account opening, customers who previously opted-in may request an increase of the amount of Overdraft Security up to a total of $200.00, if they have monthly qualifying direct deposits (from an employer, payroll, or benefits provider via ACH deposit) of at least $177.60 in total. Our decision of how much to increase Overdraft Security (if at all) will be based on account history, spending activity, and other risk-based factors. The amount of Overdraft Security may change at any time, at our discretion, based on certain activities, including those set forth in our full Terms and Conditions. Regardless of the amount of an Overdraft Security, all overdrafts will be paid at the Bank’s sole discretion, and this is not a commitment to pay your overdraft transactions.

Old Glory Bank customers may also choose to link their Freedom Savings account to their Freedom Spending or Premium Checking account for the purpose of Overdraft Protection. More details about Overdraft Protection are available here.

Good Standing is when the account is not currently overdrawn and has no active legal actions such as garnishment, levy, administrative, or other legal process.