Free checking*
No monthly fee
No minimum balance
Easy to use app
Earn high interest

Please fill out the short form below. 

Card-and-phone

 

Untitled design (13)

 

Get paid two days early1.

Get paid up to two days early1 with your Liberty Savings Bank checking account. Your Wednesday just became your new Friday.

Easy to use.

Want a simple way to pay your bills? Want to manage your money more efficiently? With features like online bill pay, rest assured that payments will be quick and easy. Also, this account has no monthly fees or minimum balances to worry about.

 

LSB-bellgraphic-fees

LSB-bellgraphic-2final

Earn money sitting still.

Sit back. Relax. You can make money simply because you have money in your account. With 1.00% APY* interest on checking balances and an add-on savings account that offers 0.50% APY* interest on savings balances, you can't go wrong (no minimum balance is required). To get the special rates you just need to post and settle/clear 12 debit card point-of-sale transactions each month, of any amount, and receive your bank statements by email. 

BTW: No worries, the account is still free even if you don't meet the reward rate requirements.

 

Why bank with us?

ATM

55,000+ fee Free atms

Conveniently access ATMs at home and on the go. Liberty provides customers with use of Allpoint nationwide network of ATMs—free of charge.

OntheGo

GREAT
SERVICE

The Liberty Team has deep experience and is dedicated to helping you online, on the phone, in the drive thru, and in person with your unique financial needs.

BankonGo

BANKING ON
THE GO

Convenience in banking is key. Use our mobile app to view your account balance, transfer money to other accounts, and more.

CS

Super
Safe

Liberty is fdic Insured . This gives you the confidence that your deposits up to $250,000 are safe and protected.


See how you can earn more.

  APY Monthly Fee Pays You Each Year
Liberty Savings Bank
Big Interest Checking

 

1.00%APY*

(FOR BALANCES UP TO $25,000 WHEN QUALIFICATIONS HAVE BEEN MET)

 $0/mo $250.00†
Bank of America
Advantage Plus Banking		 0.00%APY1 $0-12.00/mo2 $0.00†
Chase
Premier Plus Checking		 0.01%APY1 $0-12.00/mo2 $5.00†
Wells Fargo
Everyday Checking		 0.00%APY1 $0-10.00/mo2 $0.00†

1. Rates as of 9.19.22 and found on each institution's website.
2. Waiving monthly fees has requirements per each institution's website.
† Based on an average daily balance of $25,000 and meeting account qualifications each month.
Liberty Savings Bank
Big Interest Savings

0.50%APY*
(WHEN THE BIG INTEREST CHECKING QUALIFICATIONS ARE MET. NO MINIMUM BALANCE IS REQUIRED.)

 $0/mo $250.00†
Bank of America
Advantage Savings		 0.01%APY-0.04%APY1 $0-8.00/mo2 $5.00-$20.00†
Chase
Chase Premier Savings		 0.02%APY1 $0-25.00/mo2 $10.00†
Wells Fargo
Way2Save® Savings		 0.01%APY1 $0-5.00/mo2 $5.00†
1. Rates as of 9.19.22 and found on each institution's website.
2. Waiving monthly fees has requirements per each institution's website.
†Based on an average daily balance of $50,000 and meeting account qualifications each month.		  

FAQs

Liberty saves you money

  1. No monthly fees. You could be paying upwards of $12.00 a month in fees with another bank. That's $144 in savings.
  2. No minimum balance to earn interest
  3. If qualifications are met, on balances up to $25,000, APY is 1.0% and for balances on that portion over $25,000, APY is 1.0% - .55%; if qualifications are not met, the entire balance earns 0.05%/0.05%APY.

It’s easy

  1. Get started by contacting a branch team (see the button under the form).
  2. Easy to use app.

These are four things you will need to have ready:

  1. A primary ID (valid driver's license, passport, military ID, etc,) and a secondary (major credit card, debit card, employee IDs etc.)
  2. Primary physical address
  3. Phone
  4. Email (preferred)

Heads up!: No one can make a copy (or scan) of a Military ID; this is a violation of federal law/matter of national security.

  • No monthly fee
  • No minimum balance requirements
  • No charge for ATM withdrawals from our 55,000+ AllPoint network
  • No fees for debit card transactions
  • Free Mobile and online access (message and data rates my apply)
  • Free bill pay service
  • Unlimited check writing (Subject to the funds you have available)
  • No charge for direct deposit and ACH transactions
  • There are additional services that may require fees. We are happy to help you avoid these fees if possible!

You will find that they are complete and easy to use. Your account has an app, online banking and mobile banking capabilities.

You can:

  • Check the balance of your checking, savings or consumer loan
  • View transaction history
  • View pending transactions
  • Transfer funds between accounts at Liberty and at other institutions
  • Order checks
  • Export your account information to money-managing software
  • Send money to anyone, anywhere in the U.S.
  • Make a single payment to a company or person
  • Schedule a recurring payment
  • Receive e-bills from participating companies
  • Schedule future payments
Many ways. Here are a few:
  • Stop paying monthly fees to your current bank. Put that money in your pocket.
  • If you have met the qualifications for your Big Interest Checking Account, transfer extra money to your free add-on Big Interest Savings account and earn 0.50% APY* on those balances. No minimum balance is required.
  • Avoid surprises. Sign up for direct deposit and schedule payments with automatic bill pay.

We have a free network of 55,000 AllPoint ATMs nationwide as well as ATMS at most of our locations.

There are no minimum balance requirements for this account.

Yes. You can access your account 24/7 by using the Liberty app, online banking and mobile banking capabilities.

You can:

  • See all your accounts in one place, even from other banks
  • View transaction history
  • View pending transactions
  • Do transfers to and from an external account and your Liberty Savings Bank checking account
  • Order checks
  • Export your account information to money-managing software
  • Send money to anyone, anywhere in the U.S.
  • Make a single payment to a company or person
  • Schedule a recurring payment
  • Receive e-bills from participating companies
  • Schedule future payments

 

Yes. You can use your phone to do your banking 24/7 by using the Liberty app or by accessing our website.

You can:

  • See all your accounts in one place, even from other banks
  • View transaction history
  • View pending transactions
  • Do transfers to and from an external account and your Liberty Savings Bank checking account
  • Order checks
  • Export your account information to money-managing software
  • Send money to anyone, anywhere in the U.S.
  • Make a single payment to a company or person
  • Schedule a recurring payment
  • Receive e-bills from participating companies
  • Schedule future payments
  • Set up alerts for peace-of-mind and security

The Big Interest Bundle account offers 1.00% APY* on checking balances up to $25,000 and an add-on Savings Account that offers 0.50% APY* on savings balances (no minimum balance).

To get the special rate you just simply clear 12 debit card transactions each monthly statement cycle (excluding ATM transactions), of any amount, and receive your bank statements by email.

Get Started

* No monthly fees. No minimum balance. Overdraft/returned items fees may apply.

**Your account must meet specific qualification criteria to earn the interest rate(s) disclosed above. To earn the rewards rate, your Big Interest Checking account, you must i) be enrolled in our electronic statement delivery product (eStatements); and ii) must have 12 completed transactions each monthly statement cycle using the Liberty Savings Bank Debit Card(s) linked to this account (excluding ATM transactions). To earn the rewards rate on your 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 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 0.50%, and balances of over $50,000 earn 0.50% 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 10.26.22 and are subject to change without notice. (4) Fees may reduce earnings. Interest is variable and may change after the account is opened. Liberty Savings Bank, F.S.B., Member FDIC.

1 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.

The FDIC National Average APY for an interest-bearing checking account is 0.04% APY as of 9/19/22 for balances under $100,000. The FDIC National Average APY for an interest-bearing savings account is 0.17% APY as of 9/19/22 for balances under $100,000. 

You can trust liberty

Liberty has hundreds of ★★★★★ reviews. Backed by the FDIC. Bauer recommended.

Find out More

YOU CAN TRUST LIBERTY


image003

 

Additional Links

footer housing icons


APY= Annual Percentage Yield

Copyright © 2023, Liberty Savings Bank, F.S.B., Member FDIC, Equal Housing Lender, NMLS #408905, All Rights Reserved.