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Liberty National Bank offers four types of checking accounts.
Liberty National Bank offers four types of checking accounts.
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Liberty National Bank Personal Checking

Five Great Choices

Liberty National Bank offers five types of checking accounts: LNB Direct, Relationship, Smart Interest checking and the extraordinary benefits of eXtraordinary Checking, and our completely online account Echecking, which pays $.05 per POS transaction to our local United Ways. Plus, we offer benefits to make your account easier to manage.

Click for Checking Account brochure   Download the Checking Account brochure.

Compare the benefits to decide which account is right for you.

  LNB Direct Checking Relationship Checking Smart Checking eXtraordinary Checking E-Checking
Unlimited Checks Yes Yes Yes Yes Yes
Minimum Balance Requirements N/A N/A N/A N/A N/A
Waived Check Fee No No No Yes N/A
Monthly Maintenance Fee $5.00/month
(Waived if there is a Direct Deposit or if you are a Student or a Senior)

(Waived if you have an additional relationship account)
$5.00/month
(Waived after 30 debit card transactions)
$8.00/month
($6.00 for seniors)
$5.00/month
(Waived if you have Direct Deposits and E-statements)
Interest Paid No No Yes No No
LNB Debit Card Yes Yes Yes Yes Yes
Liberty Express Online Banking and Bill Pay Yes Yes Yes Yes Yes
Mobile Banking and RDA Yes Yes Yes Yes Yes
e-Statements Yes Yes
($3.00/month per paper statement)
Yes Yes Yes
smsGuardian Fraud Alert Yes Yes Yes Yes Yes
Identity Theft Protection $1,000 $1,000 $2,500 $5,000 $1,000

LNB Direct Checking

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  • MONTHLY MAINTENANCE FEE: Only $5.00 per month. Monthly fee is waived if you have a direct deposit, are a senior (60+) or a student.
  • BENEFITS:
  • Liberty National Bank Debit Card
  • Liberty Express® Online Banking
  • Bill Pay
  • Mobile Banking
  • E-statements
  • $1,000 Identity Theft Protection
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Relationship Checking

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  • MONTHLY MAINTENANCE FEE: No monthly fee with an additional Relationship account.* This account is only available with an additional Relationship account with Liberty National Bank.**
  • BENEFITS:
  • Liberty National Bank Debit Card
  • Liberty Express® Online Banking
  • Bill Pay
  • Mobile Banking
  • E-statements ***
  • $1,000 Identity Theft Protection
* $5.00 Monthly Fee if the Relationship Account no longer exists.
** Relationship Account includes: Checking, Savings, Loan, CD or IRA.
*** There will be a $3.00 monthly charge for a paper statement with this account.
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Smart Checking

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  • MONTHLY MAINTENANCE FEE: Only $5.00 per month. Monthly fee is waived if you use your debit card 30 times within a statement cycle.
  • BENEFITS:
  • Earn our highest checking account interest rate of .5%*
  • Liberty National Bank Debit Card
  • Liberty Express® Online Banking
  • Bill Pay
  • Mobile Banking
  • E-statements
  • $2,500 Identity Theft Protection
* Certain restrictions may apply. There is a limit of one account per customer for the Smart Checking accounts. APY refers to Annual Percentage Yield. To earn .5% APY for Smart Checking, requirements are: 20 debits, Direct Deposit, E-statements, Sign up for Bill Pay; If requirements not met receive .05%; < $20,000 receive .5%; > $20,000 receive .1%; $5 monthly Smart Checking fee waived if 30 debits. The APY indicated is accurate as of 11/04/20 and is subject to change without notice.
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eXtraordinary Checking

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  • MONTHLY MAINTENANCE FEE: Our best checking account for only $8.00 per month, $6.00 for seniors (60+).
  • BENEFITS:
  • BaZing Login: Access your Account Benefits
  • Unlimited Checking
  • Personally imprinted eXtraordinary image checks; 50% discount for additional check styles
  • Liberty National Bank Debit Card
  • Liberty Express® Online Banking
  • Bill Pay
  • Mobile Banking
  • Local and National Dining Savings
  • Local & Online Shopping Savings
  • Travel, Hotel and Recreational Savings
  • Cell Phone Protection
  • $5,000 Identity Theft Protection
  • Travel Protection and $10,000 travel accident insurance

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Electronic Checking

Must be opened through Opening Act
Open your Echecking Account today.

MONTHLY MAINTENANCE FEE:
Only $5.00 per month. Monthly maintenance fee is waived if you have a direct deposit and Estatements.

BENEFITS:
  • Liberty National Bank Debit Card
  • Liberty Express® Online Banking
  • Bill Pay
  • Mobile Banking
  • Estatements
  • NOTE: On a bi-annual basis the bank will analyze all POS transactions in the EChecking Account and pay $.05 per transaction to our local United Ways.
Important Information about Opening a New Account To help the government fight money laundering activities and the funding of terrorism, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account

What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to your your driver’s license or other identifying documents.

Note:
Online account opening available to local market area residents only.

The minimum deposit to open a checking account is $25.00. To open up a checking account with Liberty National Bank, customers must be within our primary market area.
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