Free Checking
No monthly fee.
No minimum balance.
Easy to use app.
Earn high interest.

Fill out the short form below and get started with your application process.

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You heard that right, it's free.

The Big Interest account is FREE to sign up for. You can do it on your phone while lounging on your sofa with your dog.  No monthly fees and no minimum balance. 

Easy to use.

The app is really easy to use. Securely access your checking account or savings account. Tired of worrying if your payment will get there on time? Want to manage your money more efficiently? With features like online bill pay, rest assured that your payment will get there on time … every time. Also, this account has no monthly fees or minimum balances to worry about.

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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 1.00% APY* interest on savings balances, you can't go wrong. To get the special rates you just need to complete 12 debit card transactions each month, of any amount, and receive your bank statements by email.

(No worries, the account is still free even if you don't meet the bonus 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

Get
Rewards

Use your new Mastercard™ Debit Card with uChoose® at hundreds of your favorite brand-name retailers in the program and earn points with purchases.

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 a fdic accredited  bank. This gives you the confidence that your assets are safe and protected.


See how you can earn more.

  Interest Rate Monthly Fee Pays You Each Year
Liberty Savings Bank
Big Interest Checking
1.00%APY* $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 $2.50
Wells Fargo
Everyday Checking
0.00-0.01%APY1 $0-10.00/mo2 $2.50

1. Rates as of 9/30/20 and found on each institutions website.
2. Waiving monthly fees has requirements
Based on a $25,000 deposit and meeting account qualifications

Liberty Savings Bank
Big Interest Savings
1.00%APY* $0/mo $500.00
Bank of America
Advantage Savings
0.01-0.05%APY1 $0-8.00/mo2 $5.00-$25.00
Chase
Chase Savings
0.01%APY1 $0-5.00/mo2 $5.00
Wells Fargo
Way2Save® Savings
0.01%APY1 $0-5.00/mo2 $5.00
1. Rates as of 11/5/19 and found on each institutions website.
2. Waiving monthly fees has requirements
† Based on a $50,000 deposit and meeting account qualifications
 

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 means you never have to worry about being penalized for going below any limit.
  3. Earn 1.00% APY* on checking balances up to $25,000 and offers 1.00% APY* on savings balances up to $50,000. That's 25x the national average!**

It’s easy

  1. Easy to apply online.
  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)
  • 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
  • Free bill pay service
  • Unlimited check writing
  • No charge for direct deposit and ACH transactions
  • Your $100 opening deposit can be withdrawn after account opening

There are some people that need 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.
  • For your goals, transfer extra money in your Big Interest Savings account and earn 1.00% APY* on your balances.
  • 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 all of our branches.

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:

  • 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

 

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

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

Yes. 25x higher than the national average**.

The Big Interest Bundle account offers 1.00% APY* on checking balances up to $25,000 and offers 1.00% APY* on savings balances up to $50,000.

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

APPLY TODAY

*Liberty Savings Bank, F.S.B., Member FDIC. 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 must i) be enrolled in our electronic statement delivery product (eStatements); and ii) must have completed 12 debit card transactions (excluding ATM transactions) each monthly statement cycle using the Debit Card(s) linked to this account. 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 an Annual Percentage Yield or 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 1.00%, 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 11.2.20 and are subject to change without notice. (4) Some fees may apply, refer to our current Schedule of Fees.

**The FDIC National Average APY for an interest-bearing checking account is 0.04% APY as of 9/22/2020 for balances under $100,000.