Best: Big Interest Checking

Additional Features

When you sign up for BIG INTEREST CHECKING, you sign up for all the features that come with it.¹  These features include:

• CardValet service protects your debit and credit cards through your mobile device by receiving alerts and defining when, where, and how your payment cards are used.
• Account-to-account transfers included.
• Notary services are available at our branches.
• Electronic statements are included.
• Liberty is FDIC-INSURED . This gives you the confidence that your deposits up to $250,000 are safe and protected.

• ★★★★★ service. Liberty has received hundreds of five-star reviews from our customers

Real Customer Reviews

The Proof is in the Numbers

*Your account must meet specific reward qualification criteria to earn the reward interest rate(s) disclosed, the account must i) be enrolled in our electronic statement delivery product (eStatements); and ii) must have 12 completed Liberty Visa® debit card transactions by the last business day of the month (qualification cycle) using the Liberty Visa® debit card(s) linked to the account. This means the 12 transactions must have cleared your account, not be in pending status and excluding ATM transactions. To earn the rewards rate on your Big Interest Savings account, you must have a Big Interest Checking account that meets the requirements above. When the qualifications above are met during a monthly qualification cycle, (1) Checking balances up to $25,000 receive APY (Annual Percentage Yield) of 1.00%, and balances of over $25,000 earn 0.50% APY on the portion of balance over $25,000. (2) Big Interest Savings account balances up to $50,000 receive APY of 4.00%, and balances of over $50,000 earn 1.00% APY on the portion of balance over $50,000. (3) When Big Interest Checking account qualifications are not met, all balances in the account earn 0.05% APY. Rates are effective 4/12/24 and are subject to change without notice. 
1 Some benefits require registration/activation.
2  Replacement Liberty Visa® Debit Cards are $10 each.
3 Rates as of 4/12/24 and found on each institution's website.
4 Waiving fees has requirements.
5 Access to funds for getting paid early can be up to two days prior to the date of scheduled payment and is dependent on the submission of direct deposit by the payer. Standard fraud prevention restrictions apply.
7 Subject to availability. Message and data rates may apply. You must apply for Mobile Deposit. 
8 Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
9 Click on the link to locate the 55,000+ surcharge-FREE ATMs in the Allpoint network near you.
10 Checking requires $100 deposit to open and Big Interest Savings requires $10 deposit to open, however these funds are available to you after account opening. 
† Based on a $50,000 balance and meeting account qualifications.