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.

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	eChecking
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 with 30 debit card transactions, Direct Deposit and eStatements)	$8.00/month ($6.00 for seniors)	$5.00/month (Waived if you have Direct Deposits and eStatements)
Interest Paid	No	No	Yes	No	No
LNB Debit Card	Yes	Yes	Yes	Yes	Yes
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
MyCardRules™ Debit Card Controls	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:

Debit Card
Online Banking
Bill Pay
Mobile Banking
eStatements
$1,000 Identity Theft Protection

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:

Debit Card
Online Banking
Bill Pay
Mobile Banking
eStatements ***
$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.

Smart Checking

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MONTHLY MAINTENANCE FEE: Only $5.00 per month. Monthly fee is waived if you meet the requirements listed below.^*

BENEFITS:

Earn our highest checking account interest rate of .5%^*
Debit Card
Online Banking
Bill Pay
Mobile Banking
eStatements
$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 and waive the $5.00 monthly Maintenance Fee for Smart Checking, requirements are: 30 debits, Direct Deposit and eStatements; If requirements not met receive .05%; < $20,000 receive .5%; > $20,000 receive .1%. The APY indicated is accurate as of 11/04/20 and is subject to change without notice.

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
Online Banking
Bill Pay
Mobile Banking
Local and National Dining Savings
Local & Online Shopping Savings
Travel, Hotel and Recreational Savings
Roadside Assistance
Cell Phone Protection
$5,000 Identity Theft Protection
Travel Protection and $10,000 travel accident insurance

eChecking

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:

Debit Card
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.