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Personal Banking – Checking Accounts

The freedom is yours! Liberty’s personal banking checking accounts provide a convenient way to access and manage your money. Liberty offers a variety of checking solutions designed to fit your specific needs.


Introducing Freedom Gold Checking!! Freedom Gold

 The checking account that provides financial and security benefits to help safeguard you and your family

Peace of mind. It’s one of the most important benefits a financial institution can provide.

With unrivaled security and smart savings – it’s simple! With Freedom Gold Checking it’s easier to protect your finances, save money on everyday purchases and enjoy your life. That’s something you can bank on.

With Freedom Gold Checking, enjoy:

  • Unlimited Check Writing
  • FREE Bonus Rewards Debit Card
  • FREE Monthly eStatement
  • No Issue Fee for Cashier’s Checks


  • IDProtect® - You can rest easy knowing that IDProtect, our identity theft monitoring and resolution service, can help better protect your identity.
  • Identity Theft Expense Reimbursement Coverage2 - Receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity theft.
  • Comprehensive Identity Theft Resolution Services - Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your identity is restored.
  • Debit and Credit Card Registration - Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (Registration/activation required.)
  • 3-in-1 Credit File Monitoring3 - IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur. (Registration/activation required.)
  • 3-in-1 Credit Report - Request an updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. Credit Score is a VantageScore 3.0 based on Equifax data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. (Registration/activation required.)
  • Total Identity Monitoring - Monitoring of over 1,000 databases. (Registration/activation required.)
  • Online Identity Theft News Center and Valuable Phone and Web Resources (Registration/activation required.)
  • Accidental Death & Dismemberment Insurance2 - Receive up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance. Accidental death insurance increases to $100,000 while traveling on a Common Carrier. (Coverage divides equally on joint accounts and does not reduce at any age.)
  • Cellular Telephone Protection2 - Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per year. Covers the first three phones on a cellular telephone bill paid through your checking account. (Cellular telephone bill must be paid through this account.)
  • Travel and Leisure Discount Membership - Money-saving discounts from thousands of local and national businesses. You can redeem and print coupons online or access discounts from your smartphone. Digital Access makes saving super easy and convenient, giving instant savings anywhere, and anytime. (Registration/enrollment required.)
  • Cash Back Member Rewards - You can earn 10% cash back on your everyday purchases - such as groceries, household supplies, entertainment. Save receipts and submit quarterly for cash back rewards. You are eligible to submit receipts totaling up to $125 each quarter for a total cash back of up to $12.50/quarter or up to $50 annually. (Registration/activation required. Additional terms and conditions may apply.)

Enjoy all of these benefits for only $4/month! 

All checking accounts feature these complimentary benefits:


Open your checking account two easy ways!

          Open your account online today.


          Open your checking account at your local Financial Center. 


High Interest Checking  

Tired of not earning interest on your free checking account? With High Interest Checking, enjoy all the benefits of free checking and earn a high interest rate on your money with no minimum balance

Learn more about High Interest Checking.


Premier Checking     

Earn a competitive interest rate on your entire balance and pay no monthly fee when you maintain a combined balance of $35,000 in any Liberty CD, IRA or MMDA.

Open a Premier Checking account today.


Free Checking      

Liberty’s free checking account features no minimum balance and no monthly fee. This convenient account provides easy ways to pay bills and manage your monthly expenses.

Open your Free Checking account today.


50 Freedom Checking 

50 Freedom Checking is an interest bearing account for our valued clients aged 50 and over.

Learn more about 50 Freedom Checking.


Clean Slate Checking 

If you’ve had past banking problems and have been reported to ChexSystems, it may be difficult to find a bank willing to service your needs. Clean Slate Checking allows you to improve your financial standing and start on the path to a solid financial future. Usually, if you have been reported to ChexSystems three times or fewer for account abuse, we can open a Clean Slate Checking for you.

Learn how you can get a fresh start today!


*Subject to availability.

**Message and data rates may apply.

***You must apply for Mobile Deposit. Clean Slate Checking customers are not eligible for Mobile Deposit.

1 IDProtect is a personal identity theft protection service available to personal checking account owner(s), and their joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).

2 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

3 Credit file monitoring will take several days to begin following activation.

Insurance products are not a deposit; not FDIC insured; not an obligation of bank; and not guaranteed by bank or any affiliated entity.


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