Personal Banking

savingsa

Designed for Customers who

  • Want a traditional passbook account for watching their savings grow
  • Want to save, but may not have the required minimum balance to open a higher interest bearing instrument

Standard Features

  • Open an account with as little as $100
  • Statements are sent on a calendar quarter
  • The daily balance method is used to calculate interest on your account
  • Avoid service charge of $3 with a daily minimum collected balance of $300 during the quarter

Limitations

  • Federal regulations limit total transactions to no more than six pre-authorized withdrawals, automatic transfers, and telephone transfers per statement cycle. If more than six transactions are made during the statement cycle, a charge of $25 will be charged.

   

checking
  Regular Checking   Interest Checking   Discount Checking

  
  Designed for Customers who

     • Want unlimited check
       writing at a flat fee

  Standard Features

     • Open an account of only
       $100
     • Unlimited check writing
     • No Liberty Bank charges
       for ATM withdrawals from
       any ATM on STAR, 
       EXPLORE or PLUS systems
     • Avoid service charge of $8
       with a minimum daily 
       balance of $650
       in a  monthly statement
       cycle

 
  Designed for Customers who

     • Want to earn interest on
       their checking account

  Standard Features

     • Open an account of only
       $300
     • Unlimited check writing
     • No Liberty Bank charges
       for ATM withdrawals from
       any ATM on STAR, 
       EXPLORE or PLUS systems
     • Avoid service charge of  
       $10 with a minimum daily 
       balance of $1500
       in a  monthly statement
       cycle

     • Daily Balance method is used 
        to calculate interest to be         credited on last day of                  statement cycle

 

 
 Designed for Customers who

     • Usually write ten checks or
       less per month

  
Standard Features

     • Open an account of only
       $100
     • 10 checks per statement
       cycle at no charge
     • ATM withdrawals will be
       treated as checks and will
       be included as part of
       the ten allowable checks
       per statement cycle
     • Low flat monthly fee of  
       $5.00
     • A charge of $0.50 per
       transaction will be added
       if more than a combination
       of either ten checks or ATM
       withdrawals are made per
       statement cycle


 mma

   
  Designed for Customers who

     • Want to earn an attractive interest rate on deposits with limited check writing    

  Standard Features

     • Open an account with $1000
     • Tiered interest rates according to balance
     • Canceled checks are enclosed with your monthly statement
     • Avoid service charge of $10 with a daily collected balance of $2500 in a monthly
       statement cycle
     • Bank designed checks printed with your name and address at no charge
     • Daily balance method is used to calculate interest to be
       credited on last day of statement cycle

  Limitations

     • Federal regulations limit total transactions to no more than six pre-authorized
       withdrawals, automatic transfers, and telephone transfers per statement cycle. 
       Checks paid over limit, 
six per statement cycle, will be charged $10 per check.


CD


  Designed for Customers who

     • Want to place a specified amount of money on deposit for a definite amount
       of time at a guaranteed rate

  Standard Features

     • Open a CD account with as little as $1000
     • Terms can range from seven days to two years
     • CDs are insured by the FDIC up to the maximum allowed by law
     • Penalties may apply for early withdrawal


 


ira
  Traditional IRAs   Roth IRAs 
  
   • Often, contributions are 100% deductible

   • IRAs are one of the most viable answers to
     the question of how to assure a secure
     retirement
   
   • Traditional IRAs offer:
      · independence, and can be opened and 
        funded without any employer participation,
      · immediate tax benefits, with contributions
        and /or earnings tax-deferred until
        retirement
      · accessibility, with assets always available
        (something not generally true of employer
        plans), and
      · flexibility, because IRA owners choose their
        contribution amount (within limits), invest-
        ments, and the financial organization

 
   • Contributions are not deductible
   
   


   • Roth IRAs can provide you with tax-free
     income during your retirement

   


   • Your money going into the Roth IRA is
     taxed; your money later withdrawn, which
     may potentially include significant amounts
     of earnings, is tax-free if you follow certain
     requirements


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 Bill Pay  Pay your bills electronically via the Internet
 Telephone Banking  24 Hour Telephone Banking System
 Bank - By - Mail  Postage paid both ways
 Automatic Teller Machine  No transaction fees at Liberty Bank's ATMs
 Silver & Blue Club  Specially designed program for our customers 
 55 and plus
 Wire Transfers  Domestic or International
 Safe Deposit Boxes  Keep your valuables safe from fire, theft, or  
 loss

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, 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 see your driver's license or other identifying documents.