Liberty Bank offers all of the progressive business and personal banking solutions you'd expect at a much bigger bank, all backed by sound banking principles, exceptional personal service, and a promise to exceed your expectations of what a community bank can be.
"After 30 years of banking with another local institution, it was a refreshing change to work with Liberty Bank and experience their authentic pro-business approach. They really care about fostering our business success, helping the regional business community, and the communities where we live and work." Morgan Hanley / Hanley Construction, Inc.
| Business Essentials Checking | Premium Business Checking | Analysis Checking | Community Checking 1 | |
|---|---|---|---|---|
| Minimum Opening Deposit | $100.00 | $100.00 | $100.00 | $100.00 |
| Interest Bearing | No | No | No | Yes |
| Tiered Rates | No | No | No | Yes |
| Monthly Service Fee (if min. average balance is not maintained) | $5.00 | $10.00 | $15.00 | $5.00 |
| Minimum Average Balance Required to Waive Service Fee | $500.00 | $2,500.00 | Analyzed | $500.00 |
| Transaction Fees | 200 FREE combined debit & credit items, then $0.45 per item | 500 FREE combined debit & credit items, then $0.45 per item | $0.08 per deposited item, $0.12 per debit or credit | 1000 FREE combined debit & credit items, then $0.45 per item |
| Domestic ATM Charges | Waived | Waived | Waived | Waived |
| E-Statements, Check Images & Notices2 | Included2 | Included2 | Included2 | Included2 |
| FREE Online Banking with Bill Pay | Included | Included | Included | Included |
| Additional Benefits | FREE Small Business Online Banking with Bill Pay. | 2 FREE domestic wires per month. Reduced rate on RDC. Qualify for Premium Money Market. | Earnings Credit to offset any fees. | 5 FREE incoming wires per month. Reduced rate on RDC. And so much more! |
| 1 Community Checking - available to Non-Profit Organizations only. Tier 1 - $.01 - $2,499.99, Tier 2 - $2,500.00 - $24,999.99, Tier 3 - $25,000.00 and up. | ||||
| 2 Must be registered for online banking to access e-statements and notices. | ||||
| Essential Checking | Interest Checking 1 | Student Checking 2 | Essential Plus Checking 3 | Health Savings Account (HSA)6 | |
|---|---|---|---|---|---|
| Minimum Opening Deposit | $100.00 | $100.00 | $100.00 | $100.00 | $100.00 |
| Interest Bearing | No | Yes | No | No | Yes, Variable |
| Tiered Rates | No | Yes | No | No | Yes 1 |
| Monthly Service Fee (if min. average balance is not maintained) | $5.00 | $10.00 | No | No | $15.005 (Annually) |
| Minimum Average Balance Required to Waive Service Fee | $100.00 or Direct Deposit | $5,000.00 | N/A | N/A | N/A |
| Transaction Fees | N/A | N/A | N/A | N/A | N/A |
| Domestic ATM Charges | Waived | Waived | Waived | Waived | Waived |
| E-Statements, Check Images & Notices | Included 4 | Included 4 | Included 4 | Included 4 | Included 4 |
| Online Banking with Bill Pay | Included | Included | Included | Included | Included |
| Additional Benefits | Unlimited Check Writing | Unlimited Check Writing | Unlimited Check Writing | Unlimited Check Writing, 2 boxes of LBB checks free | Unlimited Check Writing |
| 1 Interest Checking -Tier 1 - $0.01-$4,999.99, Tier 2 - $5,000.00-$9,999.99, Tier 3 - $10,000.00-$24,999.99, Tier 4 - $25,000.00 and up. | |||||
| 2 Students under the age of 18 must have a legal guardian joint on the account. Students over 18 must provide proof of continued education. | |||||
| 3 Individual must be 55 or older. | |||||
| 4 Must be registered for online banking to access e-statements and notices. | |||||
| 5 HSA Annual Fee: Auto-deducted from account based on the anniversary date of the account opening. | |||||
| 6 Contributions & Distributions: Annual limits apply and subject to change, visit www.irs.gov for more information. | |||||
As a non-profit organization, your efforts need the support of a dependable checking account that is specifically designed to accommodate your projects. Our Community Checking options meet the diverse and changing needs of organizations.
Imagine the convenience of snapping a photo of both sides of a check and making a deposit right from your Smartphone or tablet. Just one of the many terrific features of LB Mobile Banking.
| Business Money Market1 | Premium Business Money Market2 | Business Savings | Interest on Lawyer Trust Account3 | |
|---|---|---|---|---|
| Minimum Opening Deposit | $100.00 | $100.00 | $100.00 | $100.00 |
| Interest Bearing | Yes | Yes | Yes | Yes3 |
| Tiered Rates | Yes | Yes | No | No |
| Monthly Service Fee (if min. average balance is not maintained) | $10.00 | $10.00 | $5.00 | N/A |
| Minimum Average Balance Required to Waive Service Fee | $10,000.00 | $10,000.00 | $500.00 | N/A |
| Transaction Fees | Limit of 6*, then $7.50 per item | Limit of 6*, then $7.50 per item | Limit of 6*, then $7.50 per item | Limit of 6*, then $0.45 per item |
| Domestic ATM Charges | Waived | Waived | Waived | Waived |
| E-Statements, Check Images & Notices | Included | Included | Included | Included |
| Additional Benefits | Unlimited In-House Withdrawals | Unlimited In-House Withdrawals | Unlimited In-House Withdrawals | 4 FREE Domestic wires per month |
| 1 Money Market Tiers -Tier 6 - $0.01-$9,999.99, Tier 5 - $10,000.00-$24,999.99, Tier 4 - $25,000.00-$74,999.99, Tier 3 - $75,000.00 - $149,999, Tier 2 - $150,000 - $499,999, Tier 1 - $500,000 and up. | ||||
| 2 Premium Business Money Market Tiers -Tier 6 - $0.01 - $9,999.99, Tier 5 - $10,000.00-$24,999.99, Tier 4 - $25,000.00-$74,999.99, Tier 3 - $75,000.00 - $149,999, Tier 2 - $150,000 - $500,000. Tier 1 - $500,000.01 and up. Limit one per tax ID. Must have open and active Premium Business Checking or Analysis Checking account. | ||||
| 3 IOLTA/IRETA - This account requires the distribution of interest and does not allow interest to remain in the account. | ||||
| 4 Must be registered for online banking to access e-statements and notices. | ||||
| * No more than six transfers may be made by check, draft, debit card or similar order to a third party. | ||||
| Essential Savings | Money Market | Student Savings1 | Essential Plus Savings2 | Premium Personal Money Market | |
|---|---|---|---|---|---|
| Minimum Opening Deposit | $100.00 | $100.00 | $100.00 | $100.00 | $100.00 |
| Interest Bearing | Yes | Yes | Yes | Yes | Yes |
| Tiered Rates | No | Yes 3 | No | No | Yes 6 |
| Monthly Service Fee (if min. average balance is not maintained) | $5.00 | $10.00 | No | No | $10.00 |
| Minimum Average Balance Required to Waive Service Fee | $500.00 | $10,000.00 | N/A | N/A | $10,000.00 |
| Transaction Fees | Limit of 6*, then $7.50 per item | Limit of 6*, then $7.50 per item | Limit of 6*, then $7.50 per item | Limit of 6*, then $7.50 per item | Limit of 6*, then $7.50 per item |
| Domestic ATM Charges | Waived | Waived | Waived | Waived | Waived |
| E-Statements, Check Images & Notices | Included 4 | Included 4 | Included 4 | Included 4 | Included 4 |
| Additional Benefits | Unlimited In-House Withdrawals | Unlimited In-House Withdrawals | Unlimited In-House Withdrawals | Unlimited In-House Withdrawals | Unlimited In-House Withdrawals |
| 1 Students under the age of 18 must have a legal guardian joint on the account. Students over 18 must provide proof of continued education. | |||||
| 2 Individual must be 55 or older. | |||||
| 3 Money Market -Tier 1 - $0.01-$9,999.99, Tier 2 - $10,000.00-$24,999.99, Tier 3 - $25,000.00-$74,999.99, Tier 4 - $75,000.00 - $149,999, Tier 5 - $150,000 - $499,999, Tier 6 - $500,000 and up. | |||||
| 4 Must be registered for online banking to access e-statements and notices. | |||||
| * No more than six transfers may be made by check, draft, debit card or similar order to a third party. | |||||
| 6 Premium Money Market - Tier 1 - $0.01-$9,999.99, Tier 2 - $10,000.00-$24,999.99, Tier 3 - $25,000.00-$74,999.99, Tier 4 - $75,000.00-$149,999.99, Tier 5 - $150,000.00-$499,999.99, Tier 6 - $500,000.00-$999,999.99, Tier 7 - $1,000,000.00-$1,999,999.99, Tier 8 - $2,000,000.00 and up. | |||||
LB's seasoned loan experts will work closely with you to create a financing package for purchase, refinance, or property upgrade investments.
Sharpen your competitive edge by financing business equipment or other long-term assets at attractive rates and terms.
LB's SBA experts can provide the step-by-step assistance small businesses need to meet their unique borrowing needs.
A short term line of credit can provide the working capital a business needs to move ahead and peace of mind as cash flow fluctuates.
Lines of credit, overdraft protection, or property-related loans may be just the right solution.
Happiness starts at home. Let LB's range of finance options for purchases, refinancing, or construction fulfill your dream.
With more than 124 years of combined banking experience, LB's team of professional local bankers and business experts stand ready to provide extraordinary personal service at every turn and transaction. Our aim is to build lasting relationships with each and every client, every step of the way.
Power up business success and productivity with Liberty Bank's progressive solutions.
Enjoy the convenience of taking a photo of a check and making a deposit without ever leaving your home. Learn More
Ensure your business cash balances are continually maximized with LB's sophisticated set of on-line tools. Learn More
Bank from anywhere with security and convenience: account transfers, balance alerts, bill payments and more. Learn More
LB's comprehensive Merchant Processing programs are backed by low rates and no hidden costs; even mobile payment solutions.
Whether for business or personal use, a LB Visa® Debit or Credit card offers convenience and security everywhere Visa® is accepted.
LB works harder, so you don't have to. A convenient courier service brings banking services right to your door. Meet Robert
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