Welcome to
Ardent Free Checking

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.