Personal · Checking
The Right Checking
Account for Every
Stage of Life.
From your first account to your most rewarding one — Liberty offers checking that fits where you are right now.
Compare Accounts
Three Great Options.
One Great Bank.
All accounts include a Liberty Visa® Debit Card, mobile banking, and access to 55,000+ free ATMs.
FREEdom Checking
Liberty Visa® Debit Card
Early direct deposit — up to 2 days early
Mobile & online banking with bill pay
Zelle® money transfers
55,000+ surcharge-free ATMs
One box of logo checks annually
$4.95/mo — waived with $500 minimum balance
Freedom Gold Checking
Everything in FREEdom Checking
Identity Theft Protection
Cell Phone Protection
Cash back & additional rewards
Complimentary cashier checks annually
Safe Deposit Box — one year
$5.00/mo — open with as little as $100
Freedom Platinum Checking
Everything in Freedom Gold
Highest interest rate — 0.21% APY
Identity Theft Protection
Cell Phone Protection
Cash back & additional rewards
Complimentary cashier checks & safe deposit box
$11.95/mo — waived with $1,000+ combined direct deposit
Rates effective as of 2025. See our fee schedule for full terms. All accounts are FDIC insured.
Specialty Accounts
Built for Where You Are
Free Forever
Student Checking
No monthly fee. No minimum balance. No excuses. The perfect first account for students and young adults ready to take control of their finances.
No monthly fees — ever
No minimum balance required
Liberty Visa® Debit Card
Mobile & online banking
55,000+ surcharge-free ATMs
For Customers 50+
50+ Freedom Accounts
All three Freedom checking tiers — FREEdom, Gold, and Platinum — are available in special 50+ versions with benefits tailored to your stage of life.
Available in all three checking tiers
Same great rates and features
Benefits designed for customers 50+
Talk to a banker to find the right fit
Every Account Includes
Standard Features.
Exceptional Service.
55,000+ Free ATMs
Access the Allpoint Network nationwide — no surcharge fees, ever.
Early Direct Deposit
Get your paycheck up to 2 days before payday with qualifying direct deposit.
Zelle® Transfers
Send and receive money instantly with friends and family right from your app.
FDIC Insured
Your deposits are insured up to $250,000 by the Federal Deposit Insurance Corporation.
Not sure which account is right for you?
Take the free quiz and get matched to the right checking and savings accounts in under a minute.