decorative rule
Liberty National Bank: Expect the Best. Click to return to home page
Open
an Account
BaZing
Login
decorative rule
Mortgage Application Credit Card Application
decorative rule
Personal Banking Business Banking Financial Planning About Liberty
decorative rule
Liberty National Bank Personal Checking
Topics covered in this section include:

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 ®

Click for brochure   Download the Checking Account brochure now.

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
Free Checks No No No Yes
Monthly Membership Fee $5.00/month
(Waived if there is a Direct Deposit or if you are a Student or Senior.)
FREE and only available 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
Free MasterMoney Card Yes Yes Yes Yes
Free Liberty Express Online Banking and Bill Pay Yes Yes Yes Yes
Free Mobile Banking and RDA Yes Yes Yes Yes
Free e-statements Yes Yes
($3.00 per month per paper statement)
Yes Yes
Free smsGuardian Fraud Alert Yes Yes Yes Yes
Identity Protection $1,000 $1,000 $2,500 $5,000

eXtraordinary Checking


OPEN ACCOUNT NOW
  • MEMBERSHIP 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
  • Free personally imprinted extraordinary image checks; 50% discount for additional check styles
  • Free MasterMoney Checkcard
  • Free Liberty Express® Online Banking
  • Free Bill Pay
  • Free 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
  • MEMBERSHIP 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%*
  • Free MasterMoney Checkcard
  • Free Liberty Express® Online Banking
  • Free Bill Pay
  • Free Mobile Banking
  • Free E-statements
  • $2,500 Identity Theft Protection

LNB Direct Checking


OPEN ACCOUNT NOW
  • MEMBERSHIP FEE: Only $5.00 per month. Monthly fee is waived if you have a direct deposit, are a senior (60+) or a student.
  • BENEFITS:
  • Free MasterMoney Checkcard
  • Free Liberty Express® Online Banking
  • Free Bill Pay
  • Free Mobile Banking
  • Free E-statements
  • $1,000 Identity Theft Protection

Relationship Checking


OPEN ACCOUNT NOW
  • MEMBERSHIP FEE: No monthly fee with an additional Relationship account.* This account is only available with an additional Relationship account with Liberty National Bank.**
  • BENEFITS:
  • Free MasterMoney Checkcard
  • Free Liberty Express® Online Banking
  • Free Bill Pay
  • Free Mobile Banking
  • Free 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.


Link to go back to top of this page
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.

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.

Click for brochure   Download the Online Banking brochure and application form now.

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.
Link to go back to top of this page
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


Link to go back to top of this page
Liberty National Bank 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.
Link to go back to top of this page
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.

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! 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 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.

Link to go back to top of this page
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! Just download and complete the application and drop it in the mail or bring it to your nearest Liberty National Bank office. 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 Online Banking Brochure   Download the Online Banking brochure and application form.

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

More Powerful than an ATM Card


Our MasterMoney check card is accepted anywhere MasterCard® is welcome -- more than 12 million places world wide. When you shop, simply present your MasterMoney check 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 MasterMoney check 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 MasterMoney check card. Your monthly checking statement will list the amount, date and location where you made each purchase.

Since you can use you MasterMoney check 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 MasterMoney check 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 MasterMoney check 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 around the world, the MasterMoney check card is the easy way to pay right from your checking account. Stop by one of our convenient locations and find out about our MasterMoney check card.

Click for MasterMoney online application   CLICK HERE to complete the MasterMoney card application online.

Click for MasterMoney brochure   Download the MasterMoney™ card brochure and application form now.
Link to go back to top of this page
MyCardRules with Liberty National Bank Debit Cards
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.

Click for MyCardRules App User Guide   CLICK HERE for the MyCardRules™ App User Guide.


Link to go back to top of this page
Liberty National Bank MoneyPass Surcharge-free ATMs

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

Find a Surcharge-free MoneyPass ATM


Use your MasterMoney check 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
Link to go back to top of this page
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.

New Fraud Prevention Service


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 1-800-417-4592. 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.
Link to go back to top of this page
  Link to Liberty National Bank Twitter page Link to Liberty National Bank Facebook page Link to Liberty National Bank YouTube Channel Link to Liberty National Bank Instagram account  
Liberty National Bank Serving the Community since 1893. FDIC/EHO Lender.
decorative rule
Copyright © 2018 Liberty National Bank. All rights reserved.
Cash Management Support | Site Disclaimer | Privacy Policy | Contact LNB | Site Map