Freedom Financial Bank

Help Center

Internet Banking

What is Internet Banking?

Internet Banking is our online service that allows you to access your account information 24 hours a day, 7 days a week. Using Internet Banking, you can:

  • View real-time account balances, check images and history

  • Access checking, loans and CDs 24-hours a day

  • Export history to financial software or spreadsheets

  • Transfer funds between accounts

  • Pay bills online

  • Request stop payments

What types of accounts can I view with Internet Banking?

With Internet Banking, you can view all your Freedom Financial Bank accounts, as well as loans.

How secure is my personal account information?

Freedom Financial Bank uses the latest Internet security available, including secure communications (SSL), firewalls, 128 bit encryption, and operating systems that have been designed to provide maximum security.

Why am I signed off sometimes and I have to sign in again?

If Internet Banking has been inactive for a period of time, Internet Banking may automatically sign you off to prevent unauthorized use of your accounts, and to prevent others from viewing your information.

Can I pay my bills using Internet Banking?

Yes. You can make payments to anyone in the United States from the utility company to the local babysitter. You may schedule payments to be made immediately or on a specified date in the future. You can even set up recurring payments so you do not have to worry about paying your regular bills. Recurring payments can be set up weekly, semi-monthly or monthly. Bill Pay eliminates the need for writing checks or addressing envelopes. More importantly, it saves you time and simplifies your busy life. (Fees may apply)

What type of account is required for bill pay?

Bill pay can only be used with a checking account.

May I pay bills from more than one checking account?


How far in advance should I set up a payment to ensure it is paid on time?

We recommend that payments should be made at least five (5) business days in advance of the due date of the payee.

Can I transfer funds between my accounts?

Yes, you can transfer funds between any of your Freedom Financial Bank accounts.

Do I need extra software or hardware to use Internet Banking?

No extra software is necessary. You can access your Freedom Financial Bank accounts from almost any PC that has Internet access.

Will Internet Banking work with my current internet service provider?

Yes, Internet Banking works with any ISP.

Can I access my accounts from both home and work? 

Yes, you can access your accounts from almost any PC.


Mobile Banking

What types of checks can I deposit with Mobile Check Deposit?

Only checks drawn on institutions located in the United States can be processed through Mobile Check Deposit. We are unable to accept checks made payable to any person or entity other than you. Money Orders and Travelers Checks will not be accepted through Mobile Check Deposit.

Are there any limits on the dollar amount of deposits I can submit? 

Yes. Limits vary based on account type. Please contact Freedom Financial Bank to request a limit adjustment.

How do I endorse and photograph my check for Mobile Check Deposit?

You should sign your check (by hand) with the following endorsement: For Mobile Deposit Only

Payees Signature (Your Name) During the deposit process, you will be required to photograph the front and back of your check. Taking quality photos of the check is the best way to make mobile check deposit quick and easy. When taking the photos, make sure of the following:

  • there is good lighting

  • there is flat, dark (or contrasting) background

  • all four corners of the check are entirely in the frame; if possible, only the check should be visible (no other objects or edges)

  • keep a steady hand to get a clear, in-focus photo

You do have the option to retake photographs of the check before submitting or you may cancel the deposit. If you are unable to photograph a clear image, please deposit your check at one of our branch locations, ATMs or mail your deposit to Freedom Financial Bank for processing. Note: You may deposit multiple checks in the same mobile banking session; however you must photograph each check separately.

How will I know if Freedom Financial Bank received my deposit? When will my deposit post to my account?

Visit the Deposit History within the Mobile Banking app to see if your deposit has been successfully submitted.

  • “Pending” means the deposit has been received, but is still under review.

  • “Failed” means there was a problem with the transaction and the deposit was rejected.

  • “Accepted” means that the deposit has been received by us and is ready for processing.

Deposits made prior to 3:00 p.m. (CST) on a business day will be posted to your account on the day of deposit. If the deposit is made after 3:00 p.m. (CST) or on a weekend or federal holiday, it will be processed on the next business day. Once processed, the deposit will post to your account as a “mobile check deposit.”

Do I destroy my check after I photograph the deposit? 

No. Once the deposit has been approved by Freedom Financial Bank, mark on the face of the check “electronically deposited on mm/dd/yyyy” and keep the check until it posts to your account. After which, securely destroy the check. Do not VOID the check after submittal in the event the deposit is not approved and needs to be re-submitted.

What if I submitted a deposit for the wrong amount? What if I submit the same deposit twice in error? 

If you enter the wrong amount, the deposit will fail and you will need to do a new deposit with the correct amount indicated. If the same deposit is submitted twice, it will be identified and stopped by Freedom Financial Bank. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile Check Deposit service.

What steps have been taken to secure mobile banking?

In addition to login password, we use multiple security layers, including advanced encryption. For added security, passwords and actual check deposit records or images are not stored on the mobile device. Additional ways to ensure security:

  • Protect your password

  • Don’t keep your password in a location accessible to others

  • Don’t allow others to perform transactions for you

  • Periodically change your password by logging in to Personal Online Banking

  • Notify us if password security has been breached.

Do I need to fill out a deposit ticket and take a photo of it and submit?

No, the Freedom Financial Bank Mobile Banking app creates an electronic image for the deposit ticket

Will the image of the electronic document appear on my statement? 

Yes, the image of the electronic credit will appear on the statement, listing the date, online user ID, account number and amount of the deposit.


Cash Management

What is Cash Management? 

Cash Management is our Online Cash Management product that allows business clients 24-hour access to their accounts. Businesses can view account information, move funds, check transactions, plus initiate stop payments, wire transfers, and ACH transfers.

Who can access Cash Management? 

This service is available to any bank customer with a business account. Businesses can also grant full or limited use of Cash Management to employees.

How do I sign up for Cash Management? 

Contact us to learn how to sign-up for this service. We will work with you to establish the appropriate plan and service levels for your individual business needs.

How do I get an Access ID and Password for Cash Management? 

Access IDs and passwords will be sent to you once your enrollment applications have been approved and your account setup is complete.

Can I download my business account history into Financial Management software? 

Yes, information from your checking, savings, and loan accounts can be downloaded to your computer, and then imported into selected software applications such as Microsoft® Excel. Note that not all file formats are supported.

Can I transfer funds from/to other Financial Institutions? 

Yes, depending on your level of service, you can initiate a wire transfer, or originate an ACH funds transfer.

Can I transfer funds between my personal and business accounts? 

For sole proprietors and owners, transfers can be made between personal and business accounts. This feature is not available for government, public entity, or nonprofit accounts.

Can I approve the transfer of funds initiated by an employee? 

Yes. With Cash Management you can define access levels and set transfer limits for each employee.

What should I do with the confirmation number I receive after initiating a transaction such as a transfer? 

You may either print the screen or simply make a note of the confirmation number for future reference.


Digital Wallets

You can use your Freedom Financial Bank debit cards with Digital Wallets including Apple Pay, Google Pay, Fitbit Pay & Garmin Pay.  If your questions are not answered below, please contact us at 515-223-1113 or email us at

What is Digital Wallet?

A digital wallet is a form of wireless payment technology provided by your mobile device’s provider. It allows you to store your Freedom Financial Bank debit card information in a digital, secure and convenient manner right on your mobile device. Instead of using your physical debit card to make payments, you can pay using your smartphone or smart watch. A digital wallet provides you with increased convenience and security while accessing your checking account funds through your debit card. Other payment cards can also be stored in your mobile wallet.

What Do I Need to Set Up and Use My Digital Wallet? 

  • A compatible, Apple, Android, or Samsung device with internet access

  • Your Freedom Financial Bank debit card

Are There Fees to Set Up or Use Digital Wallet on My Device?

There are no fees to set up or use your debit card in Mobile Wallet.

Is My Card Secure in Digital Wallet?

Absolutely! Your actual card number is never shared. Instead, a virtual account number is used so the card details are always kept safe. Also, if your device has been turned off, lost or otherwise inactive for the last 90 days, then cards will be deleted.

Which App Do I Choose?

  • Apple Pay can be downloaded on most iPhones.

  • Google Pay can be downloaded on most Android devices – including Samsung. Google Pay can also be downloaded on iPhones, but it will likely have limited functionality.

  • Samsung Pay is available only on Samsung devices.

  • Fitbit Pay is available only on select Fitbit devices

  • Garmin Pay is available only on Garmin devices

How Do I Get Set Up?

Apple Pay
  • Open the Wallet app

  • Click the + sign

  • Click continue

  • Select the card type

  • Scan your card or manually enter your information

  • Agree to the terms and conditions

  • A verification code will be sent to the phone number on file or you can call the phone number provided for identity verification.

Google Pay
  • Open the Google Play Store

  • Download the Google Pay App (It’s free!)

  • Open the app and select your preferred language

  • Under Payment, select Add Payment Method

  • Choose Debit Card or Credit Card

  • Scan your card or manually enter your information

  • Agree to the terms and conditions

  • A verification code will be sent to the phone number on file or you can call the phone number provided for identity verification.

Samsung Pay
  • Open the Google Play Store

  • Download the Samsung Pay App (It’s free!)

  • Open the app

  • Under Payment, select Add Payment Method

  • Register a Samsung Pay PIN for payment authentication and app protection

  • Choose Debit Card  or Credit Card

  • Scan your card or manually enter your information

  • Agree to the terms and conditions

  • A verification code will be sent to the phone number on file or you can call the phone number provided for identity verification.

FitBit Pay
  • With your device nearby, tap the Today tab and tap your profile picture.

  • Tap your device image, then tap the Wallet tile.

  • Follow the on-screen instructions to add a payment card. In some cases, your bank may require additional verification. If you’re setting up Fitbit Pay for the first time, you may be prompted to set a 4-digit PIN code for your device. Note that you also need passcode protection enabled for your phone.

  • After you add a card, follow the on-screen instructions to turn on notifications for your phone (if you haven’t already done so) to complete the setup.

You can add up to 6 cards to the Wallet (5 cards for Charge 3, Charge 4, and Charge 5), and choose which card to set as the default payment option on your device.

Garmin Pay:

  • From the Garmin Connect™ Mobile app, select; or select Garmin Devices and select your device

  • Select Garmin Pay > Create Your Wallet.

  • Set up a 4-digit PIN to secure your wallet. This will also be the passcode you will need to access your cards on the watch.

  • Select a card type.

  • Manually enter your card data including card number, expiration date, and security code. Scanning your card is also an option.

  • Wait for a text message containing your verification code and enter the code. In some cases, you may need to call your bank’s customer service line to complete the process. After verification, wait for an alert on your Garmin watch indicating that Garmin Pay is active.

How Do I Pay Using Digital Wallet? 

Apple Pay
Pay with iPhone with Face ID
  • Double click the side button

  • Glance at your iPhone to authenticate with Face ID or enter your passcode

  • Hold the top of your iPhone near the payment terminal until you see “Done” and a checkmark on the display

  • Some vendors may also ask for your debit card PIN

Pay with iPhone with Touch ID
  • Rest your finger on Touch ID

  • Hold the top of your iPhone near the payment terminal until you see “Done” and a checkmark on the display

Pay with Apple Watch
  • Double click the side button

  • Hold the display of your Apple Watch near the payment terminal

  • Wait until you feel a gentle tap

Pay for Apps or within Apps
  • Tap the Apple Pay button or choose Apple Pay as your payment method

Google Pay
Pay at Stores or Restaurants
  • Unlock your phone near the register

  • Google Pay will open

Pay on Websites and Apps
  • Tap the Google Pay icon at checkout

Samsung Pay
Pay in a Store
  • Hold the back of your phone close to the payment terminal for a few seconds

  • When you’re done paying, a blue checkmark will appear on the screen

  • If prompted, follow the instructions on the screen to sign or enter your PIN

FitBit Pay
  • Open the Fitbit Pay screen on your device:

    • Ionic, Versa, and Versa 2—If you chose Fitbit Pay as your button shortcut, hold the button on your watch for 2 seconds to activate it. Otherwise, swipe down from the top of your screen. After your notifications appear, swipe down again to open the control center. Tap the Fitbit Pay icon 

    • Sense and Versa 3—Open the Wallet app. For faster access to Fitbit Pay, add it as a button shortcut in the Settings app

    • All other devices—When you’re ready to pay, press and hold the left button on your device for 2 seconds. Swipe to the Payments screen if it’s not shown.

  • If prompted, enter your 4-digit device PIN code. Your default card appears on the screen.

Garmin Pay
  • Press and hold the action button on your Garmin watch. Find and tap Garmin Pay (the virtual wallet icon).

  • Enter your passcode.

  • Swipe up or down to find the card you would like to use. The card you’ve used most recently will be at the top. Select your preferred card.

  • Hold your wrist close to the contactless card reader.

  • When your card is read, the edge of your watch face will light up and you will feel a slight vibration.  You will also see a tick on your device’s screen confirming your payment.


Notifi SecureAlerts

How do I sign up to receive Account Alerts?

Login to Online Banking and select Alerts.  You can choose the alerts you wish to receive and how you want to receive them from the Alert Options tab.  In Online Banking, you may sign up to receive alerts via email, text* or your Online Banking Inbox.  You will need to confirm or verify your email address or mobile phone number to activate the alert.

Can I set up alerts from the Mobile Banking app?

Yes, to set up push notifications through the Freedom Financial Bank Mobile Banking app, log on, select More from the main menu, then Alerts.  Turn on Push Notifications.  Once turned on, you can set up your account alerts.

Is there a fee to receive alerts?

No, this is a free service.  However, message and data rates may apply for text messages*.  Check with your mobile carrier for details.

How do I activate an email address or mobile phone number to receive alerts?

When setting up Account Alerts from the Contact Options tab, click "send activation code".  When you receive the activation code to your email or mobile device, type the code into the activation box.

Can I send alerts to more than one person?

Yes, when setting up Account Alerts, in the Contact Options tab there is a link to add additional email addresses and mobile phone numbers for texts.

Can I choose not to receive alerts in the middle of the night?

Yes, our Account Alerts system includes a "Do Not Disturb" option.  Any alerts generated during that time period will be held until that period ends.  To set up "Do Not Disturb" times for your alerts, go to the Contact Options tab.

How do I delete or change alerts I have set up?

From the Alert screen, click the Overview tab to view all of your alerts.  Click to Edit or Delete any existing alert.



Need Assistance?

If you have additional questions, contact Freedom Financial Bank for assistance.



*Message and data rates may apply.  Check with your mobile carrier for details.



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