Kinder bank accounts that keep more cash in your pocket.

With refunds on other banks’ ATM fees or cash back on purchases, Liberty Bank has kinder kinds of checking accounts for you—plus, no minimum balance requirements on our most popular accounts.

Compare Our Checking Accounts


With great benefits and added perks, we have an account to match every spending habit:

  • No minimum balance requirements on our most popular accounts
  • Easily deposit checks, pay bills and send money from your mobile app
  • Freeze and unfreeze your debit card and set personalized alerts and controls
  • Make contactless purchases with your debit card or with Apple Pay®Samsung PayTM and Google PayTM 

Quarter Back® Checking

Earn $0.25 for every debit card transaction of $25 or more1

PayBack℠ Checking

Refunds on the ATM fees other banks charge up to $15/month2

Liberty BankSmart Account

No overdraft fees3

My Pay - Student Banking

Earn refunds on ATM fees and cash back on debit purchases5

Open a Quarter Back® Account  Open a PayBack Account  Open a BankSmart Account Open a My Pay Account

Minimum balance

$0

$0

$0

$0

Monthly maintenance service charge

$0

$0

$3.954

$0

Minimum opening deposit

$25

$25

$25

$25

Statements6

Free eStatements
$2 paper

Free eStatements
$2 paper

Free eStatements
$2 paper

Free eStatements
$2 paper

Disclosures

If the account holder is under the age of 18, the account must be joint with a parent or guardian.

  1. Quarter Back® Checking rebates $0.25 for each qualified transaction that posts within the statement period. Qualified transactions are debit card purchases of $25 or more. ATM transactions do not qualify. Rebates post on last day of statement period while account is open and are labeled as “Cash Rewards.” May be subject to 1099 reporting. Fees may reduce earnings. 
  2. PayBackSM Checking automatically refunds up to $15 in ATM surcharges imposed by other banks per statement period, in the statement period that fee was incurred, while the account is open. Rebates are labeled as “ATM Surcharge Rebate” on the statement. 
  3. Liberty Bank will decline or return transactions when there is not enough money in the BankSmart Account to cover the charge. While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen if a transaction is approved for one amount, but the actual charge is more than the amount of money in your account. For example, when a tip is added at a restaurant after the transaction for the meal has already been approved. In this situation, the full payment may go through and result in a negative balance on your account, but Liberty Bank will not charge you an overdraft fee. Checks will not be issued for this account.
  4. Monthly maintenance service charge will be waived if any account owner is 26 and under or 65 and over.
  5. My PaySM – Student Banking primary account owner must be between 16 and 25 years of age. At age 25, the account may be changed to a different Liberty Bank checking account. Account automatically refunds up to $10 in ATM surcharges imposed by other banks per statement period, in the statement period that fee was incurred, while the account is open. Rebates are labeled as “ATM Surcharge Rebate” on the statement. Earn $0.10 for every debit card transaction of $10 or more that posts within the statement period, up to $10 per statement period. ATM transactions do not qualify. Rebates post on last day of statement period while account is open and are labeled as “Cash Rewards.” May be subject to 1099 reporting. Fees may reduce earnings. 
  6. Avoid $2 monthly paper statement fee with eStatements. Account owners age 65 or over, Individual Development Accounts, Health Savings Accounts, IRA Money Market Fund, and Lease Security - Tenant are exempt.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google Pay is a trademark of Google LLC.

Liberty Bank Debit Mastercard®


With our debit card, your nearest Liberty Bank branch is wherever you are.

Learn More About Debit Mastercard

Debit_Mastercard

Debit Cards and Other Services 

Debit Cards

Purchasing power that’s never interrupted. If your card’s ever lost or stolen, you can get a new one the very same day.

Digital Banking

You’re never more than a few swipes or clicks away from managing your money.

Overdraft Services

Opt in to our Overdraft Service to ensure your transactions go through – even when you don’t have available funds.

With Liberty Bank, you're going places. In this case, to a different website.

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Disclaimer: Links to third party sites are provided for your convenience. These sites are not within the control of Liberty Bank and may not follow the same privacy, security, or accessibility standards as Liberty Bank. Liberty Bank does not warrant any offerings from the third party providers, nor is Liberty Bank responsible for the security, content or availability of any third party sites, or their partners.

Disclaimer: Links to third party sites are provided for your convenience. These sites are not within the control of Liberty Bank and may not follow the same privacy, security, or accessibility standards as Liberty Bank. By accessing the SmartLenders Program via the provided link, you acknowledge the SmartLenders Program is not under the control of Liberty Bank. Liberty Bank does not warrant or endorse any offerings from third party providers, nor is Liberty Bank responsible for the security, content or availability of any third party sites or their partners including SmartLenders or the lenders that may be accessed by you through your use of the SmartLenders Program (the “Lenders”). Under no circumstances will Liberty Bank be responsible for any damages arising from the transactions between you and any Lenders or for any information appearing on SmartLenders’ site. SmartLenders will provide Liberty Bank with the following information about your application: applicant name; type of company; email address; loan amount requested; and progress status toward approval and funding. Liberty Bank may use this information to monitor your experience with SmartLenders and market Liberty’s services to you.