Last Updated: 01/21/2026
Golden Plains Credit Union Freedom 12 e-Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
2.00%
APY (Annual Percentage Yield)
N/A
Monthly Service Fee
$0(Verified 01/21/2026)
Golden Plains Credit Union Freedom 12 e-Checking Account Review
The Golden Plains Credit Union Freedom 12 e-Checking Account is offered by Golden Plains Credit Union, a credit union founded in 1951 and based in Garden City, KS. Golden Plains Credit Union Freedom 12 e-Checking Account is available in 1 state.
Key Takeaways
- Receive 2% cash back on debit card purchases. Earn up to $12 cash back per month (up to $144 per year). Cash back is earned on up to $600 in net monthly purchases. And, ATM refunds nationwide up to $12 per month.
- 2.00% cash back. Golden Plains Credit Union Freedom 12 e-Checking Account offers rewards on purchases (see terms and conditions for full details).
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- Up to $12.00 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Golden Plains Credit Union mobile or online banking.
Golden Plains Credit Union Freedom 12 e-Checking Account Pros & Cons
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Golden Plains Credit Union Freedom 12 e-Checking Account FAQ
Are checking accounts from Golden Plains Credit Union federally insured?
No, your Golden Plains Credit Union checking accounts are not insured by a federal insurance agency. This means that if Golden Plains Credit Union were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.
What APY does Golden Plains Credit Union Freedom 12 e-Checking Account offer?
Golden Plains Credit Union Freedom 12 e-Checking Account is not an interest-bearing account.
What are the account minimums for Golden Plains Credit Union Freedom 12 e-Checking Account?
Golden Plains Credit Union Freedom 12 e-Checking Account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Golden Plains Credit Union Freedom 12 e-Checking Account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $12.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Golden Plains Credit Union Freedom 12 e-Checking Account charge overdraft fees?
Yes, Golden Plains Credit Union Freedom 12 e-Checking Account charges a $30.00 fee for every overdraft.What features and perks does Golden Plains Credit Union Freedom 12 e-Checking Account offer?
This account includes the following features:
- Receive 2% cash back on debit card purchases. Earn up to $12 cash back per month (up to $144 per year). Cash back is earned on up to $600 in net monthly purchases. And, ATM refunds nationwide up to $12 per month.
- ATM rebates - This account will reimburse you for domestic ATM fees up to a monthly maximum of $12.00.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Golden Plains Credit Union Freedom 12 e-Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 12:00PM