Welcome to Liberty Savings Bank’s FAQ page!
Here you can find answers to our most common questions about accounts, online banking, and more. If you don’t see your question, please feel free to contact us.
Account & General Banking Questions
Q: How can I open a new account?
A: You can open a new account either online or by visiting one of our branches. To open an account online, you’ll need to be a legal US resident, at least 18 years old, and have a Social Security number. You’ll also need a valid email and a mobile phone. You’ll be asked to provide a government-issued ID, like a driver’s license or passport. If you already have an account with us, you can open a new one by logging into your online banking portal.
Q: What documents do I need to open an account?
A: To open an account, you’ll need:
- A government-issued ID (driver’s license, state ID card, passport, etc.).
- Your Social Security number.
- Your complete physical and mailing address.
- A method for the initial deposit (cash, check, or money order).
Q: How can I find out my account balance?
A: You can check your account balance through several convenient methods:
- Online Banking: Log in to your online banking account to view your balances and transaction history.
- Mobile App: Use the Liberty Savings Bank mobile app to access your account information on the go.
- ATM: Check your balance at any Liberty Savings ATM or any Allpoint or Co-Op network ATM. Be aware that the balance may not reflect pending transactions.
Q: Is my money safe at Liberty Savings Bank?
A: Yes. Liberty Savings Bank is backed by the FDIC (Federal Deposit Insurance Corporation). This means your deposits are insured up to the maximum amount allowed by law, which provides a safeguard against bank failure.
Q: How many ATMs can I use surcharge-free?
A: As a Liberty Savings Bank customer, you have access to the Allpoint network, which provides over 55,000 surcharge-free ATMs worldwide. You can find these ATMs at popular retail locations like Target, CVS, and Walgreens.
Products & Services Questions
Q: What types of checking accounts do you offer?
A: We offer a variety of checking accounts to meet your needs. All provide you with a Liberty Visa® Debit Card3, the ability to get paid two days early4, online and mobile banking, deposit, bill pay2, Zelle®, a fast and easy way to send and receive money with friends, family and others6, and access To 55,000+ surcharge-free ATMs in the Allpoint Network7. With the Liberty Freedom Platinum Account, you also get valuable features like Identity Theft Protection, Cell Phone Protection, Cash Back, plus Additional Rewards1 plus more.
Q: Do you have savings accounts with competitive rates?
A: Yes, we offer different savings options, including a High-Yield Savings account that provides a competitive interest rate. Our savings accounts are designed to help your money grow and are FDIC-insured.
Q: What is a HELOC?
A: A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows you to borrow money against the equity you’ve built in your home. It’s a flexible option, as you can borrow what you need, when you need it, up to your established credit limit. A HELOC can be used for a variety of purposes, such as home renovations, debt consolidation, or unexpected expenses.
Q: What types of mortgages do you offer?
A: Liberty Savings Bank offers a range of mortgage options, including loans for homebuyers and those looking to refinance. We have experienced mortgage loan professionals who can help you find the right loan to fit your financial goals. Our website also provides helpful tools like mortgage calculators to assist with your planning.
Digital & Online Banking Questions
Q: How do I enroll in online banking?
A: To enroll, you need a personal computer with internet access or a Mobile Phone with the Liberty Savings Bank App installed, an email address, and a Liberty Savings Bank account. You’ll be guided through the process of creating a username and password, as well as setting up enhanced security features.
Q: How do I search for specific transactions?
A: In your online banking account, select the account you want to view, then use the filter or search icon to narrow down your search using various options. You can search by date range, amount, or transaction type.
Q: Can I set up two-factor authentication (2FA)?
A: Yes! We strongly recommend enabling two-factor authentication for added security. Log in to online banking and navigate to Settings > Security Preferences. You can choose to receive a code via text or voice call.
Q: How do I use Zelle®?
A: Zelle® is a fast, safe, and easy way to send and receive money with friends, family, and other people you trust, directly from your bank account. To use Zelle®, you must be enrolled. You can enroll through your Liberty Savings Bank online banking account or mobile app. Once enrolled, you can send or receive money using just the recipient’s email address or U.S. mobile phone number.
Q: How do I connect my Liberty Savings account to third-party apps like Venmo?
A: To connect your Liberty Savings Bank account, search for “Liberty Savings Bank” within the third-party app. Select our institution, enter your online banking credentials, and follow the on-screen prompts to link your account.
Contact & Support Questions
Q: What are your customer service hours?
A: For general banking inquiries, you can call the Freedomline at 800-436-6300. For specific branch hours, please check our Locations page.
Q: What should I do if my debit card is lost or stolen?
A: If your debit card is lost or stolen, you must call us immediately at 800-240-0224 to report it. This number is available 24/7. You should also contact a branch directly to get a new card issued.
Q: How can I set up direct deposit?
A: To set up direct deposit, provide your employer or payroll representative with your Liberty Savings Bank account number and our Florida routing number: 063191914. You can use a generic direct deposit form if your company doesn’t have a specific one.
Community Support Questions
Q: How does Liberty Savings Bank support the local community?
A: Liberty Savings Bank is deeply committed to giving back to the communities we serve. We proudly sponsor local events, support youth programs, and provide financial literacy education in our local schools. Our employees are also encouraged to volunteer their time with local non-profits. We believe in building strong communities, not just strong bank accounts.
