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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 (new checking account holders only) and enter the promo code CK350.

Then, earn cash when you do each of the following within 90 days of account opening:

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

Normal day-to-day activity required to be eligible for the bonus. See Offer Details below.

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 (Earn 3 points for every $1 spent on gas and grocery purchases through Labor Day 2022! Learn how.)
  • 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, 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 been a primary or secondary on a checking account with Ardent in the last 12 months.

This offer is only open to new checking accountholders. (New checking accountholders have not been a primary or secondary on a Ardent checking account in the last 12 months.)

Your bonus will be deposited into your checking account between 95 and 120 days after account opening.

Offer valid through December 31, 2022. However, this offer may end at any time. Valid on Cashback Checking or High-Yield Checking accounts. New checking accountholders only. A checking accountholder is considered new if they have not been primary or secondary owner on an Ardent checking account in the last 12 months. Must meet membership eligibility of living, working, worshipping, volunteering or attending school in Bucks, Chester, Delaware, Montgomery or Philadelphia Counties. The Promotion Code (CK350) must be entered at new account opening to be eligible for this offer and cannot later be added to an account. Ardent Credit Union reserves the right to determine in its sole discretion that an account is ineligible for the promotion because the activity on the account was limited to only the actions needed to qualify for the bonus and is not consistent with regular and repeated use as described above. A qualifying account must be funded, remain open and in good standing to receive the bonus. Bonus will be deposited into the checking account between 95 and 120 days after account opening.

Bonus amount based on completion of three actions is as follows: make at least 8 qualifying debit card purchases ($100 bonus), two or more qualifying direct deposits ($200 bonus) and enroll in eStatements ($50 bonus). To earn $350, all three actions must be completed within 90 days of account opening. Transactions (debit card purchases and direct deposits) must settle to your account within 90 days. To be eligible for the bonus, regular deposit and transaction activity consistent with normal day-to-day spending patterns must be evident throughout the 90-day qualifying period. 

A qualifying regularly recurring direct deposit is an automated electronic deposit of $250 or more that occurs at least twice during the first 90 days the account is open, such as a payroll deposit. An example of a direct deposit which would not qualify would be a person-to-person transfer or an internet service transfer. 

Qualifying debit card transactions are ones that reflect a wide range of dollar amounts and occur as part of the cardholder’s day-to-day activities. An example of debit card transactions which do not qualify would be card transactions conducted within a condensed time frame.