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Privacy and Security

When it comes to your banking information, we're overprotective. Whether your bank account involves personal funds, business funds, credit cards, credit lines, or loans, maintaining the confidentiality of your information, account history, and transactions is always our first priority. Read how we protect your personal information in our Privacy Policy (PDF).

Your Privacy

When you call our Customer Service Center, we request your Social Security Number and other identifiers to ensure we are speaking to an authorized account holder and to help protect you from unauthorized users accessing your account.

Liberty Bank will not directly disclose your Social Security Number or other non-public personal information and is prohibited by federal regulations and the CT Data Protection Law from indirectly exposing your non-public personal information.

Liberty Bank will never request customers’ personal information through email or provide links within an email to update information.

Liberty Bank (“we,” “us,” or “our”) is committed to protecting the privacy and security of personal information.

This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when you:

Visit our website, www.liberty-bank.com and other Liberty Bank branded websites
Use our online or mobile services
Engage with us as a customer or prospective customer

This information supplements, and does not replace, any Consumer Privacy Notice provided pursuant to the Gramm‑Leach‑Bliley Act (GLBA), which governs how we collect, use, share, and protect nonpublic personal financial information.

Information we collect

We collect personal information through your interactions with us, including when you use our products and services such as consumer and commercial banking, treasury management, mortgages, loans, and investment services, or when you provide information directly to us.

The types of personal information we may collect include:

Identifiers (such as your name, mailing address, email address, phone number, and other similar contact information)
Financial and Account Information (such as account balances, transaction history, payment information, and other financial details related to the products and services you use)
Online and Device Information (such as IP address, browser type, device identifiers, referring URLs, pages visited, and interactions with our website, including information collected through cookies, pixels, and similar tracking technologies)
Communications Information (such as emails, messages sent through our website or online banking services, customer service inquiries, and records of your interactions with us)

In certain circumstances, we may link information collected through cookies and similar technologies with other personal information we maintain about you, such as when you log into your account or interact with us as a customer. When such information constitutes nonpublic personal information under the GLBA, it will be handled in accordance with our Consumer Privacy Notice and applicable banking laws.

How We Use This Information

We use personal information for legitimate business purposes, including to:

Provide and manage financial products and services
Process transactions and maintain accounts
Detect and prevent fraud or unauthorized activity
Improve website functionality and user experience
Comply with legal and regulatory requirements
Personalize content, offers, and experiences based on your interactions with us, including across devices and services

Please note that we only process information that is essential for delivering our services, complying with legal obligations, or enhancing your user experience.

Our Online Privacy Practices

We use cookies and similar technologies to enhance your experience, improve functionality, and support security and analytics when you engage with our online services

Our online services include Liberty Bank branded websites, mobile applications ("mobile apps," including those for use on tablets), electronic communications (such as email messages) with you and digital advertising campaigns.

What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They enable us to recognize your device, remember your preferences, and collect information about your website usage. We also use technologies such as web beacons and pixel tags to analyze site usage. Cookies may be stored for different periods of time. Some cookies are deleted when you close your browser (session cookies), while others may remain on your device for a longer period (persistent cookies), depending on their purpose.

How We Use Cookies

We use cookies for:

Website functionality and security, including fraud detection
Improving user experience, such as remembering preferences
Analytics and performance monitoring, to better understand site usage
Marketing and personalization, where permitted by law and based on your consent or preferences

Cookies may also be required for essential site features such as authentication or session management.

Types of Cookies

Necessary: Necessary cookies are required to enable the basic features of this site, such as providing secure log-in or adjusting your consent preferences. These cookies do not store any personally identifiable data.
Functional: Functional cookies help perform certain functionalities like sharing the content of the website on social media platforms, collecting feedback, and other third-party features.
Analytics: Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics such as the number of visitors, bounce rate, traffic source, etc.
Performance: Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
Advertisement: Advertisement cookies are used to provide visitors with customized advertisements based on the pages you visited previously and to analyze the effectiveness of the ad campaigns.
Uncategorized: Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.

Third-Party Cookies and Similar Technologies

We work with third-party service providers, including Google, to support analytics and advertising. These providers may use cookies and similar technologies (such as pixels or device identifiers) to help measure performance and deliver relevant advertising, which may be based on your interactions with this and other websites.

Depending on your browser and privacy settings, these technologies may not always operate, as some browsers restrict or block third-party cookies.

We do not use these technologies to directly identify you by name; however, they may collect information associated with your device, browser, or online activity, which may be considered personal data under applicable privacy laws.

These technologies may allow us and our service providers to recognize you across devices and sessions, and in some cases, to link your website interactions with information we already hold about you in order to provide more personalized experiences.

Your Choices and Consent

Where required by applicable law, we rely on your consent to use non-essential cookies, including analytics and advertising cookies. When you first visit our website, you will be presented with a cookie consent banner allowing you to:

Accept all cookies: Consent to the use of all cookies and tracking technologies.
Customize your preferences: Choose which categories of cookies you wish to allow or reject all non-essential cookies.

You may change or withdraw your consent at any time for non-essential cookies, including Advertisement cookies, through our Cookie Settings.

Changes to Cookie Use

We may update our use of cookies to improve services or comply with legal requirements. Where required, we will notify you and obtain appropriate consent.

We may change this cookie policy from time to time. When such a change is made, we will post a revised version online. Changes will be effective from the point at which they are posted. It is your responsibility to review this cookie privacy policy periodically so you’re aware of any changes. By using our website, you acknowledge this website Privacy Policy. Necessary cookies may be used to support website functionality, security, fraud prevention, and consent preference management. Non-essential cookies are used in accordance with your cookie preferences and applicable law.

How We Use Data Collected Through Cookies

Information collected through cookies is used to:

Customize and improve user experience
Deliver content and functionality
Perform analytics and performance tracking
Support marketing and advertising efforts

How We Share Information

We may share personal information as permitted by law, including with:

Service providers (such as analytics and marketing platforms, including Salesforce) that perform services on our behalf, which may include processing personal information to support personalization, analytics, and marketing activities
Affiliates for business operations and compliance purposes
Regulatory authorities or law enforcement, where required
Other third parties with your consent or as otherwise permitted by law

We do not share personal information in a manner inconsistent with applicable privacy laws.

Consumer Privacy Policy

We provide a separate Consumer Privacy Notice in accordance with the Gramm‑Leach‑Bliley Act (GLBA), which describes our practices for collecting, sharing, and protecting nonpublic personal financial information related to our financial products and services.

Data Security

Liberty Bank maintains consistent security standards and procedures regarding unauthorized access to customer information. Access to any personal information you provide is restricted to only those employees who need to have this information for legitimate business purposes.

We use layered security controls to help protect account access. We maintain administrative, technical, and physical safeguards designed to help protect personal information and detect unauthorized activity, including customer authentication at initial login when requesting online account access and transactions involving the transfer of funds to other parties.

Data Retention

We retain personal information only as long as necessary to fulfill the purposes described in this Policy and to meet legal, regulatory, record-retention, and operational requirements.

Your Privacy Rights

Depending on applicable law (including state privacy laws such as the CTDPA), you may have rights to:

Access personal information we hold about you
Correct inaccurate information
Request deletion of personal information
Obtain a copy of your data
Opt out of certain data uses, including targeted advertising, profiling, and personalization based on your online activity

Rights may vary depending on the nature of the information involved and applicable legal exemptions, including information governed by federal banking laws. To exercise your rights, please contact us using the information below.

Children's Privacy

Our website and online services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13, as required by the Children’s Online Privacy Protection Act (COPPA).

If we become aware that we have inadvertently collected personal information from a child under 13, we will take prompt steps to delete such information from our records.

If you are a parent or guardian and believe that your child has provided personal information to us without your consent, please contact us at (888) 570-0773, and we will work to address the issue promptly.

Contact Us

You can contact us by visiting your local branch, logging into digital banking and sending a message through Message Center, or by calling our Customer Service Center at (888) 570-0773.

Effective 8/12/2026

Account Access

We use layered security controls to help protect account access. We are ready to respond to suspicious activity at a moment’s notice because of these controls, including:

Customer authentication at initial login when requesting online account access and transactions involving the transfer of funds to other parties.

How You Can Help Protect Your Privacy

Identity theft is one of today’s fastest growing crimes. Here are some helpful tips to avoid becoming a victim of identity theft:

Store personal information in a safe place. Shred financial statements, bank checks, credit card offers, charge receipts and credit applications before discarding them. Do not carry pins or passwords in your wallet; keep them in secured areas.
Don't release personal information. Never disclose account numbers, Social Security Numbers and credit card numbers unless you verify the requestor and the requestor’s right and need to know the information, and you have initiated the contact yourself.
Guard against mail theft. Deposit outgoing mail into a secure, official U.S. Postal Service. Pick up mail promptly. Consider switching to electronic statements that are delivered securely within Online Banking.
Read your credit reports. You have a right to a free credit report every 12 months from each of the three nationwide credit reporting companies. Order all three reports at once or order one report every four months.
Monitor account information and billing statements. Review statements for unauthorized charges or withdrawals.
Limit the number of credit cards and debit cards you carry. Cancel all cards that you no longer use or need.
Don't respond to email, text or phone messages that ask for personal information. Legitimate companies don't ask for information this way. Delete the messages.

Your Security

Research and state-of-the-art technology have gone into ensuring that your Liberty Bank online banking transactions are secure. Here are some of the protection programs we use to keep your banking transactions safe.

Website Security

This site incorporates DigiCert’s Extended Validation Certificate to provide website security and encryption when accessing liberty-bank.com

Fraud Detection and Monitoring

When it comes to the security of your account, we are on the lookout. We have implemented security measures to help prevent unauthorized access to your Liberty Bank accounts.

We use fraud detection and monitoring systems for debit cards that utilize customer history and behavior to spot inconsistencies.
We send you real time, automatic alerts via text message, email or by phone when we see a potential fraudulent or unusual transaction on your account.
We use enhanced multi-factor authentication for logging into Online Banking.
We screen carefully for repeated failed login attempts and incorrect Login ID and Password entries to help prevent unauthorized access to your Liberty Bank accounts.
We need you. Your cooperation helps maximize the effectiveness of our security measures. Liberty Bank employs the latest technology to protect your financial information online, but when you take steps to protect your information and take ownership of your online safety, your security is strengthened.
Always use Firewall and Anti-Virus protection. Scan for viruses frequently. And install System patches as they are made available.

How You Can Help Protect Your Security

Browse safely. Please be sure you are using the latest version of Internet Explorer, Safari and other Internet browsers and the configuration adheres to security best practices.
Ensure that anti-virus/spyware software is installed and updated.
Apply operating system and application updates (patches) regularly.
If you write down your passwords, keep them in a hidden, locked location.
Turn off your computer when not in use.
Use Liberty's Digital Banking tools, including Card Controls and Alerts, to protect your accounts.

How You Can Take Credit for Checking Your Credit

Under Federal law enacted by Congress, every consumer in the United States can now obtain one free credit report every 12 months from each of the three major credit bureaus.
You can obtain your free credit reports by mail, by phone, or online from a service that is run jointly by the three credit bureaus.
Experts strongly recommend that consumers obtain their free credit reports each year to check for errors in their credit information or to detect identity theft.
You can obtain your free credit report online at www.AnnualCreditReport.com, by phone at (877) 322-8228 or by mail:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Steps You Can Take If You Become a Victim of Identity Theft

File a Police report and call the Federal Trade Commission's toll-free “Identity Theft Hotline” at (877) 438-4338.
Notify the three credit bureaus’ fraud departments.
Request that a “fraud alert” be placed in your file, as well as a victim's statement asking that creditors call you before opening any new accounts.
Request a copy of your credit report. Credit reports are free to fraud victims.
Contact your creditors for any accounts that have been opened fraudulently.
Close your accounts and obtain new credit, debit and ATM cards.
Report any suspected stolen mail to your local postal inspector and check the post office for unauthorized change of address requests.

Your Business

There’s no other way to describe it. Your business is your baby. You've nurtured it. You've watched it grow. When it comes to watching over it, We're here to help. The dangers are out there. So when it comes to protecting your financial information, we go the extra mile, every time.

How Liberty Bank Protects Your Business

We offer Authorized Access for all business accounts, so you can control who has account access.
Register your identity and your computer with us, this way we can confirm you are at our genuine online site each time.
We use high-level encryption methods for protection of passwords and other confidential information.
We screen carefully for repeated attempts and incorrect user and password entries to help prevent unauthorized access to you Liberty Bank accounts.
Firewalls at our server locations add a measure of security allowing that the only people who access your account are those who should have access to it.
We provide for dual customer authorization when accessing through different devices.
We offer Positive Pay to help your business identify fraudulent check and ACH activity (may be subject to additional terms and conditions or fees)

Additional Business Protection from Liberty Bank Business Banking

Layered security protects business transactions, including accessing account information, bill payment, intrabank fund transfers, ACH and wire transfers.
Because these transactions often involve higher dollar amounts, we take extra precautions, including consistent controls to ensure that business transactions are valid and secure.
Requiring additional authentication or transactional verification to make certain that only those who are granted privileges to access a business account can access a business account.

How You Can Help Protect Your Business

Be aware of business takeovers! Takeovers are the business equivalent of personal identity theft. Hackers, backed by professional criminal organizations, are targeting small and medium businesses to gather their web banking credentials or remote control of their computers. Proactive steps you can take to avoid, or at least minimize, these threats are:

Use a dedicated computer for financial transactional activity.
Apply operating system and application updates (patches) regularly.
Ensure that anti-virus/spyware software is installed and updated.
Have host-based firewall software installed.
Use latest versions of Internet browsers.
Turn off your computer when not in use.
Do not batch approve transactions. Approve each one individually.

Additional Safeguards You Can Implement at Your Company

Identify trusted websites and block access to any sites not relevant to employees' business needs.
Account reconciliation, ACH and wire transfer responsibilities should be segregated and assigned to specific employees.
Money movement transactions should be initiated only on a stand-alone PC that is not enabled for e-mail and web browsing.
Vet all employees. Perform credit and background checks before hiring.
Contact your Information Technology provider to determine the best way to safeguard the security of your computers and networks.
Perform periodic in-house risk assessments that include system audits and building security.

Avoiding Scams

Learn more about how to protect yourself against online scams.

Learn More