Premium Checking

Premium Checking that puts a premium on liberty.

The pro-America online bank now has Premium Checking. Earn interest and pay no check processing fees, get 4 monthly out-of-network ATM fee waivers, and pay no monthly maintenance fee when maintaining a minimum monthly balance.*

Enjoy the road to financial liberty with a Premium Checking account that pays you more and offers you more. Open your Premium Checking Account in just 8 minutes, with as little as $50.00.

  • Earn interest on your balance.*

  • One complimentary debit card per account holder.

  • Easy cash deposits at over 88,000 retail locations with Cash-IN.

  • No processing fee on unlimited paper checks.

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

  • Free access to approximately 40,000 in-network ATMs, plus up to 4 out-of-network ATM fees waived each statement cycle. 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. Out-of-network ATMs may impose their own surcharge.

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

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

  • Free mobile check deposits. You can 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 funded GOALS as they grow.

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

  • 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.

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

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

  • 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.

  • $19 monthly fee – waived with a relationship balance of $10,000 in OGB deposit accounts at the end of the statement cycle, or $5,000 in cumulative direct deposits into this Premium Checking Account. 

* Please note that these lists are just a summary. Full Terms and Conditions apply. See our Current Rates and Fees for more details. Fees may reduce earnings.

** When opening a Premium Checking 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 a monthly qualifying direct deposit (from an employer, payroll, or benefits provider via ACH deposit) of at least $177.60. 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 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, has no active legal actions such as garnishment, levy, administrative or other legal process.