Say goodbye to the fees other banks charge. Say hello to Liberty.

If the fees and restrictions at other banks are tying you down, then say hello to better choices. With refunds on other banks’ ATM fees or cash back on purchases, Liberty Bank has a great checking account 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. All of our accounts offer:

Quarter Back® 

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

PayBack

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

High Rate

Watch your account grow with a competitive interest rate3

My Pay - Student Banking

Earn refunds on ATM fees and cash back on debit purchases4

Open a Quarter Back® Account Open a PayBack Account To open an account, visit a Liberty branch. Open a My Pay Account
Bonus for opening        $1005

Minimum balance to avoid monthly maintenance service charge6

$0

$0

$0

$0

Monthly maintenance service charge if minimum balance is not met

$0

$0

$0

$0

Minimum opening deposit

$25

$25

$500

$25

Statements7

Free eStatements
$2 paper

Free eStatements
$2 paper

Free eStatements
$2 paper

Free eStatements
$2 paper

Disclosures

  1. Qualified transactions are debit card purchases of $25 or more.  ATM transactions do not qualify.  Rebates post on last day of statement cycle while account is open and may be subject to 1099 reporting.  Consumer accounts only.
  2. PayBack Checking automatically refunds up to $15 in ATM surcharges imposed by other banks per statement cycle while account is open.
  3. Consumer accounts only. Limit one account per customer. Must establish direct deposit within 90 days or complete 5 Liberty Bank Debit Card transactions within 60 days.  
  4. My PaySM primary account holder 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 cycle while account is open. Earn $0.10 for every debit card transaction of $10 or more, up to $10 per statement cycle (ATM transactions do not qualify). Rebates post on last day of statement cycle while account is open and may be subject to 1099 reporting. Avoid $2 monthly paper statement fee with eStatements. Fees may reduce earnings. Consumer accounts only; one account per customer.
  5. Earn a one-time $100 incentive if 5 debit card transactions are completed within 60 days of account opening (ATM transactions do not qualify). $100 incentive will be credited to My PaySM Checking Account up to 60 days after 5 debit card transactions are completed. All account holders on the account must be new checking account customers and may not have had a checking account within the past 365 days. Minors required to have co-account holders are exempt. Subject to 1099 reporting. Offer ends 12/31/2020, may not be combined with other promotional offers, is subject to change and may be withdrawn at any time.
  6. If at any time during the statement period your balance falls below the Required Minimum Daily Balance, you will be assessed a Monthly Maintenance Service Charge.
  7. Account holders age 65 or over, individual development accounts, health savings accounts, Basic Checking and IOLTA/IORETA accounts are exempt from Paper Statement Fee.

Checking Rates

Account NameInterest RateAPY¹
High Rate Checking1 0.5% 0.5%
Looking for rates for other Liberty Bank accounts? View all of our rates.

Disclosures

Rates are effective as of April 1, 2020.

  1. Daily balances of $0.01 - $4,999.99 earn 0.00% Annual Percentage Yield (APY), 0.00% Interest Rate, and remaining balances over $5,000.00 earn 0.50% APY, 0.50% Interest Rate. Rate is variable and is subject to change at any time. Minimum daily balance to earn APY is $5,000.00. $500.00 minimum to open. Consumer accounts only. Limit one account per customer. Must establish direct deposit within 90 days or complete 5 Liberty Bank Debit Card transactions within 60 days. Subject to 1099 reporting. Account fees may reduce earnings. Avoid $2.00 monthly paper statement fee with eStatements (account holders age 65 or older are exempt).

Liberty Bank Debit MasterCard®


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

Learn More About Debit MasterCard

Debit_Mastercard

A better grip on your finances. Now within your grasp.

Manage Your Finances

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.