Basic Checking Interest Bearing Checking Advantage Checking President's Club Seniors' Account Savings Money Market Certificates of Deposit Individual Retirement Account (IRA)

Basic Checking

•  $100 minimum deposit to open
•  A minimum balance fee of $5 will be imposed monthly if the average daily balance* falls  below $600.
•  Monthly maintenance fee will be waived with one direct deposit to the account per statement cycle.
•  30 checks or debits ( $.30 for each transaction in excess )
• Visa Debit Card available. 
• We pay all your ATM fees (even from other banks) 
•  Basic Internet access

  

Interest Bearing Checking

•  $100 minimum deposit to open
•  Interest Bearing Account
•  A minimum balance fee of $10 will be imposed monthly if the average daily balance* falls below $1,500.
•  Unlimited transactions
• Visa Debit Card available
• We pay all your ATM fees (even from other banks) and give you FREE ATM withdrawals
•  Basic Internet access

  

Advantage Checking

•  $100 minimum deposit to open
•  Interest Bearing Account
•  A minimum balance fee of $15 will be imposed monthly if the average daily balance* falls below $3,000
•  Unlimited check writing
•  Standard check order provided at no cost twice a year
•  Visa Debit Card available
• We pay all your ATM fees (even from other banks) and give you FREE ATM withdrawals
•  Basic Internet access
•  Internet Bill Pay
•  Discount on Safe Deposit Box with automatic payment
•  Official Checks at no charge

  

President’s Club Checking

•  $100 minimum deposit to open
•  Tiered Interest rate structure
•  A minimum balance fee of $25 will be imposed monthly if the average daily balance* falls below $5,000
•  Unlimited check writing
•  Standard check order provided at no cost twice a year
•  Visa Debit Card available
• We pay all your ATM fees (even from other banks) and give you FREE ATM withdrawals
•  Basic Internet access
•  Internet Bill Pay
•  Discount on Safe Deposit Box; first year on standard box free
•  ¼ higher annual percentage yield above the standard published rate on certificates of deposit
• Unsecured personal lines of credit tied to Prime Rate as published in the Wall Street Journal (subjecto to credit underwriting approval)
•  No application fee on residential mortgages

Preferential rates on home equity loans and we’ll pay the closing costs up to those incurable on a $200,000 line (subject to credit underwriting approval)

Liberty Seniors' Account (Age 50 and over)

•  $100 minimum deposit to open
•  No monthly maintenance fee
•  Unlimited check writing
•  Standard check order provided at no cost twice a year
•  Visa Debit Card available
• We pay all your ATM fees (even from other banks) and give you FREE ATM withdrawals
•  Basic Internet access
•  Internet Bill Pay
•  Discount on Safe Deposit Box with automatic payment
•  Official Checks at no charge

  

Liberty Savings Account

•  $1,000 minimum deposit to open
•  Tiered interest rate structure
•  No monthly maintenance fee
•  The Liberty Savings account is limited to six preauthorized debits (automatic or telephone) per month: three of the six transactions may be by Check, Bill Pay, Wire transfer or Point of Sale Transaction
•  Basic Internet access
•  Visa Debit Card available
•  We pay all your ATM fees (even from other banks)

  

Liberty Money Market

•  $100 minimum deposit to open
•  Tiered interest rate structure
•  A minimum balance fee of $15 will be imposed monthly if the average daily balance* falls below $2,500.
•  The Liberty Money Market Account is limited to six pre-authorized debits (automatic or telephone) per month: three of the six transactions may be by Check, Bill Pay, Wire Transfer or Point of Sale Transaction.

 Certificates of Deposit

For customers who do not require immediate access to their funds and want to earn a higher rate of interest, Liberty Bank offers a variety of CD terms at competitive interest rates.
Through its relationship with CDARS, Liberty Bank can provide you with easy access to multi-million dollar FDIC protection on your CD investments. Liberty Bank is part of a special network. When you place a large CD with us, at your direction, we can place your funds into CDs issued by other banks in the network - in increments less than $100,000.00 - so that the principal and interest are eligible for complete FDIC protection. As a result you can receive coverage from  many banks while working with just Liberty Bank.

Individual Retirement Account (IRA)

Make Liberty Bank part of your retirement savings plan with a traditional IRA.


*The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.