Liberty National Bank Personal Checking

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Four Great Choices

Liberty National Bank offers four types of checking accounts: LNB Direct, Relationship, Smart Interest checking and the extraordinary benefits of eXtraordinary Checking. Plus, we offer benefits to make your account easier to manage. Because at Liberty, you can Expect the Best ®

Financial Education Module on Checking Accounts   Explore the Financial Education Module on Checking Accounts.

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
Unlimited Checking Yes Yes Yes Yes
Minimum Balance Requirements N/A N/A N/A N/A
Waived Check Fee No No No Yes
Monthly Maintenance Fee $5.00/month
(Waived if there is a Direct Deposit or if you are a Student or 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.)
Interest Paid No No Yes No
Liberty National Bank Debit Card Yes Yes Yes Yes
Liberty Express Online Banking and Bill Pay Yes Yes Yes Yes
Mobile Banking and RDA Yes Yes Yes Yes
E-statements Yes Yes
($3.00 per month per paper statement)		 Yes Yes
smsGuardian Fraud Alert Yes Yes Yes Yes
Identity Protection $1,000 $1,000 $2,500 $5,000

eXtraordinary Checking

OPEN ACCOUNT NOW
  • 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

Smart Checking

OPEN ACCOUNT NOW
  • 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 2.0%*
  • Liberty National Bank Debit Card
  • Liberty Express® Online Banking
  • Bill Pay
  • Mobile Banking
  • E-statements
  • $2,500 Identity Theft Protection

LNB Direct Checking

OPEN ACCOUNT NOW
  • 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

Relationship Checking

OPEN ACCOUNT NOW
  • 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.

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.

* 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 2.0% APY for Smart Checking, requirements are: 20 debits, Direct Deposit, E-statements, Sign up for Bill Pay; If requirements not met receive .10%; < $20,000 receive 2.0%; > $20,000 receive .5%; $5 monthly Smart Checking fee waived if 30 debits. The APY indicated is accurate as of 10/18/13 and is subject to change without notice.


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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.
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Liberty Express Online Banking

It’s never been easier to conduct your finances from the comfort of your home or office 24 hours a day with Liberty National Bank’s Liberty Express® banking. Liberty Express® helps you stay on top of your finances for fewer bookkeeping errors and peace of mind. Expect the Best® from Liberty Express® online banking.

Financial Education Module on Mobile and Online Banking   Explore the Financial Education Module on Mobile and Online Banking.

24-Hour Convenience

Get out of line and get online with your Liberty National Bank accounts. Check your balances or pay bills online right from your home or office. Day or night. When you’re on a tight schedule. Or when you just don’t want to get in the car again.

Cash Management Convenience

You don’t have to go to the bank anymore to transfer funds between checking and savings. Liberty Express® lets you do it right where you are on your home or office computer. Talk about a time saver! Especially helpful when you need to transfer money between accounts fast.

Hop Aboard Today

Signing up for Liberty Express® online banking is simple -- and free! Just download and complete the application and drop it in the mail or bring it to your nearest Liberty National Bank office. Your life just got a little easier with Liberty Express® online banking from Liberty National Bank.

Click for Online Application   CLICK HERE to complete the Online Banking application online.

Frequently Asked Questions

Q: Do I need to have an account with Liberty National Bank?
A: Yes. You must have a checking account with us. If you don’t have one yet, we’ll help you find the account that’s right for you.

Q: Is Liberty Express® online banking safe and secure?
A: Yes. We use state-of-the-art security. All transactions are encrypted, and no entry is allowed without your unique access ID and passcode.

Q: What kind of computer do I need?
A: You can access Liberty Express® online banking with any PC-compatible, Macintosh or Web TV computer with Internet access.

Q: Is there a monthly fee for this service?
A: No. Liberty Express® is a value-added service that is free of charge.

PLEASE NOTE: E-statements are free with online banking. If you require paper statements, a $3.00 monthly charge per paper statement will be assessed.
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Liberty National Bank Online Bill Pay

It’s easy and secure to pay bills with your Liberty Express® account. Online Bill Pay is just another way you can Expect the Best® from your Liberty National Bank checking account.

You’ll be able to:
  • Set up your Bill Pay account.
  • Set up a list of either electronic or check Payees
  • Set up a single payment or a recurring payment; specify duration and frequency of payments -- even specify a different amount for each payment
  • You can edit your payments at any time, to give you maximum flexibility.
  • View your payment history.

For more information on the new products:

Click for Online Bill Pay FAQ  Frequently Asked Questions

Click for Online Bill Demo   Personal Bill Pay Demo

Click for Online Bill Savings Calculator   Savings Calculator
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Bank to Bank Transfers

With Liberty Express® Online Banking, you can now do Bank to Bank Transfers easily and securely by transferring money between your Liberty National Bank deposit accounts and your accounts at other U.S. financial institutions.

Click for Bank to Bank Transfer application   CLICK HERE to complete the Bank to Bank Transfer application online.
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Liberty National Bank Mobile Banking

You can now bank anytime, anywhere with Liberty National Bank’s Mobile Banking.
Stay on top of your finances even when you’re on-the-go and away from your home or office computer. Expect the Best® from Liberty National Bank’s Mobile Banking.

Financial Education Module on Mobile and Online Banking   Explore the Financial Education Module on Mobile and Online Banking.

24-Hour Convenience

The convenience and self-sufficiency of online banking is now available on your cell phone, PDA or other mobile device. With our mobile banking solution, you can securely access your deposit and loan accounts, view your balances and history, and initiate routine financial transfers... anywhere, anytime!

Use any mobile phone -- regardless of make, model or service provider -- that is Web-enabled and has a wireless data connection.

Download the Free App for Android, iPhone or iPad

Liberty National Bank’s Mobile Banking App is a mobile banking solution that enables bank customers to use their Android phone, iPhone, iPad or iPod touch to initiate routine transactions and conduct research anytime, from anywhere. Customers can view account balances and transaction history, view account alerts, initiate account transfers and pay bills.

Liberty National Bank’s Mobile Banking App supports all account types including checking, certificates-of-deposit, money markets, loans, and lines-of-credit.

Liberty National Bank’s Mobile Banking service is a FREE* service that allows you to access your accounts anytime, from anywhere, using your Android phone or iPhone, iPad or iPod touch.

*There is no fee from Liberty National Bank. Connectivity and usage rates may apply. Contact your wireless service provider for more details.

CLICK HERE to download the app for Android, or go to Google Play and search for Liberty National Bank.
CLICK HERE to download from iTunes, or go to the Apple App store and search on Liberty National Bank.

Get Started Today

Signing up for Liberty National Bank’s Mobile Banking is simple -- and free! Stop by your nearest Liberty National Bank office for an application. Your life just got a little easier with Liberty National Bank’s Mobile Banking.

DISCLAIMER:
Mobile banking is a browser-based application that is available from any mobile device enabled with Secure Sockets Layer (SSL) internet access. Liberty National Bank's Mobile Banking requires our customers to have previously signed up for our online banking, Liberty Express. In order to use this service, you are required to have an Internet Browser enabled cell phone or Smartphone. You will be responsible for data charges on your device (please check with your mobile provider before proceeding).

We may send any Liberty National Bank message through your cell phone service provider in order to deliver them to you. You agree that your cell phone service provider is acting as your agent in this capacity.

When logging in to Liberty National Bank's Mobile banking, passwords are never stored at any stage. Account information is not stored on your Internet-enabled wireless device.

You will never receive a Liberty National Bank text message that asks you to send us any sensitive personal or financial information such as your social security number or account number. If you receive a message asking for sensitive personal or financial information, do not respond to the message and contact us at 419-673-1217 to report the incident.

A Liberty National Bank text message is provided for your convenience and does not replace your monthly account statement(s), which are the official record of your account(s).

Liberty National Bank does not support the cell phone devices used with this product. We are not responsible for any errors or failures from any malfunction of your mobile device, the browser or the software. You are responsible for the security and security settings of your device. Liberty National Bank is not responsible for any virus or related problems that may be associated with the use of an online system. This service may not be encrypted and may include personal or confidential information about you, such as your account activity or status. You agree to protect your cell phone device that receives information through this service and not to let any unauthorized person have access to the information we provide you through this service.

The terms and conditions on this agreement are in addition to, and do no supersede or replace any other agreements applicable to accounts held with Liberty National Bank.

For additional assistance, contact customer service at any of our locations.
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Liberty National Bank Remote Deposit Anywhere

You can now deposit checks anytime, anywhere with Liberty National Bank’s Liberty Express® Mobile Banking and Remote Deposit Anywhere. Expect the Best® from Liberty Express® mobile banking.

Remote Deposit Anywhere is a new way to make check deposits to your Liberty National Bank Checking or Savings Account using your iPhone, iPad or Android device. Save time and gas by making deposits wherever you are with our free Mobile App with Remote Deposit Anywhere.

Enrollment/Eligibility Requirements

  • Must be enrolled in Mobile Online Banking with eStatements
  • Account must be in good standing

Need to Enroll in Mobile Banking or Download the Apps?

Signing up for Liberty Express® online banking is simple -- and free! Stop by your nearest Liberty National Bank office for an application or complete the application online. If you’re already a Mobile Banking customer but haven’t yet downloaded the mobile app, select the appropriate link below.

Click to download the app for Android  Download the app for Android, or go to Google Play and search for Liberty National Bank.

Click to download the app from iTunes  Download from iTunes or go to the Apple App store and search on Liberty National Bank.

Already Enrolled in Mobile Banking?

To enable RDA for your mobile account, either contact any Liberty Bank office, or complete and send the email request below.

Click to download the Terms and Agreeement  Download a printer-friendly version of the ”Guidelines and Terms and Agreement“.

Click to download instructions for using RDA  Download printable “Instructions for Using RDA”.

Click for RDA online application  CLICK HERE to complete the RDA application online.
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Liberty National Bank Debit Card

There’s no card more convenient than the Liberty National Bank Debit Card: no check writing hassles, no reason to carry lots of cash, and no interest-charging credit debt. Expect the Best® from your Liberty National Bank Debit Card.

More Powerful than an ATM Card

Our Liberty National Bank Debit Card is accepted anywhere MasterCard® is welcome in the USA. When you shop, simply present your debit card to the cashier, sign the receipt and your purchase will be automatically deducted from your checking account. It’s that simple. You can even use your Liberty National Bank debit card to get cash at thousands of ATMs worldwide displaying the MasterCard® or VISA® logos.

Easier than Checks

Purchases are deducted directly from your checking account each time you swipe your Liberty National Bank debit card. Your monthly checking statement will list the amount, date and location where you made each purchase.

Since you can use your Liberty National Bank debit card to access your checking account, you won’t have to hassle with identification and the approval process of writing a check. Plus, you won’t have to carry around a checkbook or worry about running out of checks.

Best yet, your Liberty National Bank debit card works just like a credit card -- only better -- because it debits your checking account, giving you better financial control.

More Freedom for Your Lifestyle

Your Liberty National Bank debit card gives you the freedom to carry less cash because you can use it to make purchases at so many places where you use cash now. Use it at restaurants, gas stations, clothing stores, grocery and convenience stores -- anywhere you see the MasterCard® or VISA® logos.

Whether you’re shopping around the corner or across the county, the Liberty National Bank debit card is the easy way to pay right from your checking account. Stop by one of our convenient locations and find out about our Liberty National Bank debit card.

Click for Liberty National Bank Debit Card online application  CLICK HERE to complete the Liberty National Bank Debit Card application online.
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MyCardRules™

MyCardRules™ is an easy-to-implement mobile app solution for payment card spending controls and alerts. Expect the Best® from your Liberty National Bank debit card card.

Introducing MyCardRules™

MyCardRules™ is a new product that gives Debit card customers the ability to turn on and off their debit card within seconds, allows them to setup Alerts on their card transactions, and block their card from being used in different states or at different types of merchants.

How it Works

Cardholders download the MyCardRules™ mobile app from Google Play™ or the App Store®. Users can then set a variety of controls or alerts on all supported cards.

Here is a partial list:
  • Turn the card on and off
  • Set per-transaction spending limits based on various factors such as dollar amount, transaction type, or merchant type
  • Receive alerts on all transaction attempts declined
  • Set other instant alerts on all or select transactions
  • Set a location boundary where the card can be used based on map region or device geolocation
  • Set parental or employer controls and monitoring
MyCardRules™ adds an effective layer of fraud detection and prevention, and gives cardholders the assurance that they have set up the rules and alerts they desire. The ability to shut down card activity when not in use or in the case of suspected fraud provides cardholder peace of mind.

Video Overview

Frequently Asked Questions

What is MyCardRules?
MyCardRules is an easy-to-use mobile app that lets you set card controls, add restrictions and receive transaction alerts.

How does MyCardRules let me manage my cards?
Just download the MyCardRules app from Google PlayTM or the App Store®. Then you can set a wide range of controls and alerts on all your cards. For example, you can:
  • Turn your card on or off
  • Set transaction spending limits based on your preferences, including dollar amount, transaction type and merchant type
  • Get instant alerts on certain types of transactions, like when a transaction is declined
  • Set a specific region where the card can be used or restrict usage based on your mobile device’s location
  • Set parental controls and monitoring
  • Alerts will show up just like any other notifications you get on your mobile device.
Why is it a better way to manage my cards?
Because you can manage your card transactions all in one place, right from your mobile device. You have complete control of how, when, where – and WHO uses your cards.

Plus, knowing that you’ve set rules, restrictions and alerts that meet your specific spending preferences adds another layer of fraud detection and prevention, and gives you added peace of mind.

Is it secure?
Yes, managing your cards with MyCardRules is safe and secure. Your account is password protected and highly encrypted.

How do I get started?
After you download the MyCardRules app, select “New User” and then enter your card information to begin registration. You’ll need to provide:
  • Card Number
  • Expiration Date
  • Security Code (usually on the back of your card)
Next, you’ll create a username and password.

Once your account is created, you can log in and access the “Card Details” screen.

From this screen you can:
  • Turn card controls on/off
  • Set controls
  • Manage alert preferences
  • View recent transactions and more
Click for MyCardRules App User Guide  CLICK HERE for the MyCardRules™ App User Guide.
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MoneyPass Surcharge-free ATMs

You can Expect the Best® ATM options from Liberty National Bank.

Find a Surcharge-free MoneyPass ATM

Use your Liberty National Bank debit card at any of the MoneyPass ATMs without paying a surcharge. With more than 25,000 ATMs nationwide, MoneyPass is one of the largest surcharge-free networks in the nation. You now can access your accounts at home, work and on the go.

Click here to locate a MoneyPass ATM
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Liberty National Bank Fraud Protection Service

We’ve improved our alert system for potential fraud. You can Expect the Best® in fraud detection from Liberty National Bank.

Improved Alert System

In our continuing efforts to keep your accounts secure, we’ve improved our alert system for potential fraud. Here’s how it works:
  1. When potential fraud is detected, you will receive an automatic email notification, with the option to reply with “fraud” or “no fraud.”
  2. One minute after the email, you will receive a text alert, which also has the “fraud” or “no fraud” option.
  3. If there is no response received, you will then receive automatic phone calls to confirm or deny fraud. The call will also give the option of speaking to a fraud analyst.
Remember -- our messages will never ask for your PIN or account number.

The phone number for our Fraud Center has changed to 1-800-237-8990. If you add this number to your phone contacts and label it “Fraud Center,” it will display on your phone whenever you get a call from this number.

If you need to contact the Fraud Center, it will be an automated service and will ask several questions verifying the recent activity on your card.
The Fraud Center will contact you only if potential fraud has been detected on your debit card. If you notice potential fraud on your debit card and have not been contacted by the Fraud Center, please contact the Bank at 419-674-2430.
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