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Welcome to
Ardent Free Checking

A Whole Lot of Free, plus $350

For a limited time, open a free Ardent checking account and earn up to $350 Welcome Bonus. Then, continue earning with monthly rewards just for using your account.

How to get your $350 Welcome Bonus

Open a Cashback Checking or High-Yield Checking account by December 31, 2021 (new checking account holders only) and enter the promo code CK350.

Then, earn cash when you do each of the following within 60 days of account opening:

  1. Enroll in eStatements (Earn $50)
  2. Make 8 debit card purchases (Earn $100)
  3. Receive qualifying direct deposits totaling $250 or more (Earn $200)
     

Open an Account

Questions about free checking or the welcome bonus?

Provide your contact information and an Ardent team member will reach out.

Free rewards worth bragging about

No more worrying about minimum balances or monthly fees to unlock basic tools. All our checking accounts are totally free – but we didn’t stop there. Unlike our competitors, we threw in a slew of premium features at no extra cost, including:

  • No ATM fees from Ardent
  • Debit card rewards on non-PIN purchases
  • eBanking with Bill Pay, online and mobile banking
  • Mobile app with card control and security alerts
  • Free initial order of checks
  • And more

Plus, you can qualify for the rewards below just by using your account each month:

  • Receive up to $25 in ATM surcharge fee refunds with Cashback or High-Yield Checking
  • Get 1% cash back on debit card purchases (up to $8) with Cashback Checking
  • Earn 1.00% Annual Percentage Yield on balances up to $25,000 with High-Yield Checking

Can your bank do all of that?
 

Which Checking Account is Right for You?

Pick the account that matches your banking habits and open yours online or at any Ardent location. Then, claim your Welcome Bonus with promo code CK350 and start earning monthly rewards.

High-Yield Checking Cashback Checking
Best if you want Higher interest paid on account balance Cash rewards for everyday card use
Monthly Service Charge $0 $0
Minimum Daily Balance $0 $0
Interest Rate Earn up to 1.00% APY (on balances up to $25,000) Earn 0.10% APY (on balances in excess of $25,000) No
Cash Back $0 1.00% of debit card purchase amount (up to $8 per month)
ATM Surcharge Fee Refund Up to $25 each month Up to $25 each month
How to Earn Rewards and ATM Surcharge Fee Refunds Requires direct deposit, 8 debit card purchases and eStatements during calendar month Requires direct deposit, 8 debit card purchases and eStatements during calendar month
ATM Withdrawal Fee No fee from Ardent No fee from Ardent
Checks Free initial order Free initial order
Debit Card FREE with:
  • Nationwide network of 30,000+ surcharge-free ATMs
  • Rewards points on non-PIN purchases
  • SecurLOCK app to enable card controls and security alerts
FREE with:
  • Nationwide network of 30,000+ surcharge-free ATMs
  • Rewards points on non-PIN purchases
  • SecurLOCK app to enable card controls and security alerts
Other Features
  • 5,000+ branches in shared network nationwide
  • eBanking with Bill Pay, Mobile and Online Banking
  • 5,000+ branches in shared network nationwide
  • eBanking with Bill Pay, Mobile and Online Banking

You will automatically qualify your first month. After that, continuing qualifying is easy – each month just continue meeting the same requirements that earned you your cash welcome bonus to automatically qualify:

  • Receive eStatements
  • Make 8 debit card transactions
  • Get at least one recurring direct deposit

If you miss out on rewards one month, don’t worry. Your account is still free AND you can qualify for rewards again the very next month.

Here’s a few more details on qualifying for rewards from a Cashback or High-Yield Checking:

Please note that Electronic transfers between accounts do not count as a direct deposit. Transactions may take one or more banking days from the date transaction was made to post and settle to your account. If all three qualifications are met during the calendar month, domestic ATM fees charged by ATM owner (surcharge fee) incurred during the month will be reimbursed up to $25.

For High-Yield Checking, the first $25,000 of the account balance earns 1.00% APY and balances over $25,000 earn 0.10% APY. Non-qualifying accounts earn 0.01% APY on balances. The advertised High-Yield APY is based on compounding interest monthly.

For Cashback Checking, 1% of debit card purchases (up to $8) will credited to your account each month. Transactions may take one or more banking days from the date transaction was made to post and settle to your account. 

Yes, as long as you have not had a checking account with Ardent in the last 12 months.

This offer is only open to new checking accountholders. (New checking accountholders have not had an Ardent checking account in the last 12 months.)

Your bonus will be deposited into your checking account within 30 days of meeting the offer requirements.

Offer valid through December 31, 2021. Deadline subject to change. Valid on Cashback Checking or High-Yield Checking accounts. New checking account holders only. Bonus amount based on completion of three actions: make 8 debit card purchases ($100), receive qualifying direct deposits totaling $250 or more ($200) and enroll in eStatements ($50) within 60 days of account opening. To earn $350, all three actions must be completed. Transactions (debit card purchases and direct deposits) must settle to your account within 60 days. Person-to-person and payment internet service transfers are not a qualifying direct deposit. Account must remain open and membership cannot be suspended or delinquent on any loans to receive the bonus.  Bonus deposited into your Ardent checking account within 30 days of meeting the qualifications. Must meet membership eligibility of living, working, worshipping, volunteering or attending school in Bucks, Chester, Delaware, Montgomery or Philadelphia Counties.