Close Icon
Chat with Us Locations & Hours Contact Us

Align and Ascent free checking accounts

HomePersonalAlign and Ascent free checking accounts
Check out our NEW Algin and Ascent accounts! We make banking easy with checking accounts designed just for you along with free, convenient services. Drop in today to experience banking the right way, your way!

Open an Account - New Customer   Open an Account - Existing Customer (Login)

Checking Account Comparison Table

Accounts

Align    

Ascent     

Monthly Service Fee

None

None

Rewards

  • $5 cash^ on debit card purchases up to $100 per month
  • Additional $5 cash^ on debit card purchases over $200
  • Up to $120 cash back per year, $10 per month
  • 4.00% APY*1 on balances up to $35,000
  • 0.10% APY*1 on balances above $35,000 blended APY*1 ranges from 1.11% to 4.00% depending on total balance
  • 0.10% APY*1 if qualifications aren't met

Refunds on ATM Withdrawal Fees*

Up to $12 monthly^

Up to $12 monthly*

Learn More

Learn More

Qualifiers for Align and Ascent for each monthly cycle are:

  • At least 1 ACH credit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled and agree to receive eDocuments
1Annual Percentage Yield effective March 1, 2026, and may change after the account is opened. APY 4.0% for balances $0.01 to $35,000; 0.10% for balance $35,001 and above. Fees may reduce earnings.

When your Ascent Checking account qualifications are met during a Monthly Statement Cycle daily balances up to and including $35,000.00 in your Ascent Checking account earn an interest rate of 3.93% resulting in an Annual Percentage Yield (APY) of 4.00%; and daily balances over $35,000.00 earn an interest rate of 0.10% on the portion of the daily balance over $35,000.00, resulting in a range from 1.11% to 4.00% APY depending on the account's daily balance. When Ascent Checking qualifications are Not met, ATM withdrawal fees are Not refunded and the interest rate earned on the entire daily balance in the account will be 0.10% resulting in an APY of 0.10%
 
When your Align Checking account qualification requirements are met during a Monthly Statement Cycle:  * $5.00 cash back is earned when total qualifying debit card purchases equal $100.00-$199.99  * $10.00 cash back is earned when total qualifying debit card purchases equal $200.00 or greater The maximum cash back reward is $10.00 per Monthly Statement Cycle.

APY = Annual Percentage Yield

Monthly Qualification Cycle Chart

Find the right account for you

Align

Get FREE checking that pays you back. Enjoy cash back on debit card purchases and refunds on ATM withdrawal fees^ - every month.

BENEFITS

  1. Free checking that pays you
  2. $5.00 cash back is earned when total qualifying debit card purchases equal $100.00-$199.99. $10.00 cash is earned when total qualifying debit card purchases equal $200.00 or greater
    • No category restrictions on purchases
    • Earn up to $120 cash back per year, $10 per month
  3. Refunds on ATM withdrawal fees, nationwide (up to $12 monthly)
  4. No minimum balance to earn rewards
  5. No monthly service fee
  6. Free Visa® debit card
  7. Free digital banking, including:
  8. Live and local customer service (Touch Tone Teller)
  9. My Cards (monitor and control your debit card transactions) and Wallet Pay available
  10. $100 minimum deposit to open

Here's how easy it is to earn cash back:

Enrollments must be in place and all of the following transactions and activities must post and settle to your Align account during each Monthly Qualification Cycle:

  • At least 1 ACH credit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eDocuments

But if you don't meet these qualifications, don't worry - your account is still free. And you can get right back to earning your cash rewards the very next cycle that you qualify.

^Align Disclaimer

Open an Account - New Customer Open an Account - Existing Customer (Login)

Ascent

Choose free checking that pays high interest and refunds on ATM withdrawal fees* - just for banking with us.

BENEFITS

  1. Free checking that pays high interest
  2. 4.00% APY on balances up to $35,000*
  3. Blended APY ranges from 1.11 to 4.00% on balances over $35,000 depending on balance in account
  4. 0.10% APY* if qualifications are not met
  5. Refunds on ATM withdrawal fees, nationwide (up to $12 monthly)
  6. No minimum balance to earn rewards
  7. No monthly service fee
  8. Free Visa® debit card
  9. Free digital banking, including:
  10. Live and local customer service (Touch Tone Teller)
  11. My Cards (monitor and control your debit card transactions) and Wallet Pay available
  12. $100 minimum deposit to open
Here's how easy it is to earn cash back:

Enrollments must be in place and all of the following transactions and activities must post and settle to your Ascent account during each Monthly Qualification Cycle:

  • At least 1 ACH credit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled and agree to receive eDocuments

And if you don't meet these qualifications, don't worry - your account is still free. Plus, you'll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you quality.

*Ascent Disclaimer

Open an Account - New Customer Open an Account - Existing Customer (Login)

You are now leaving Liberty National Bank
Continue