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
  • Compounded daily collected balance method is used to calculate interest to be credited on last day of calendar quarter
  • 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 month. If more than six transactions are made during the month, a charge of $10 per transaction over the limit will be assessed

   

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 
       collected 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 
       collected balance of $1500
       in a  monthly statement
       cycle
     • Simple daily collected
       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
       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
     • Compounded daily collected 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


ops
 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