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 |
NOTE: You must be 18 years or older to open an account online.

LNB Direct CheckingOPEN 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.
- Debit Card
- Online Banking
- Bill Pay
- Mobile Banking
- eStatements
- $1,000 Identity Theft Protection

Relationship CheckingOPEN 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.**
- 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 CheckingOPEN ACCOUNT NOW
- MONTHLY MAINTENANCE FEE: Only $5.00 per month. Monthly fee is waived if you meet the requirements listed below.*
- Earn our highest checking account interest rate of .3%*
- 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 .3% 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 .03%; < $20,000 receive .3%; > $20,000 receive .05%. The APY indicated is accurate as of 9/20/2021 and is subject to change without notice.

eXtraordinary CheckingOPEN ACCOUNT NOW
- MONTHLY MAINTENANCE FEE: Our best checking account for only $8.00 per month, $6.00 for seniors (60+).
- BaZing Login: Access your Account Benefits
- Unlimited Checking
- Personally imprinted eXtraordinary image checks. There is a $5 discount per order 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
Download the Checking Account Benefits overview.

eChecking
You must be 18 years or older to open an account online.
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.

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