Personal Checking and Money Market

Account Name
Minimum to Open
Minimum Balance
Monthly Fee         
Pays Interest
Account Benefits
Independence Benefits Checking
$25
$0
$8
No
  • Cell phone protection
  • CyberScout® identity theft resolution
  • Roadside assistance
  • $10,000 accidental death & dismemberment insurance
  • Shopping, dining, & travel discounts 
  • $3 monthly paper fee (waived with enrollment of eStatements)
  • Free SecurLOCK Equip app
Liberty High Interest Checking
$25
$2,500
Balance under $2,500: $10
Yes
  • Free checks up to 3 sheets (12 checks)
  • Higher interest rate with a balance of $2,500 or more
  • Competitive interest if balance falls below $2,500
  • Free SecurLOCK Equip app
Patriot Interest Checking
$25
$0
$0
Yes
  • Free checks up to 3 sheets (12 checks)
  • Competitive interest 
  • No minimum balance
  • $3 monthly paper fee (waived with enrollment of eStatements)
  • Free SecurLOCK Equip app
Freedom Checking
$25
$0
$0
No
  • Free checks up to 3 sheets (12 checks) 
  • No minimum balance
  • Free  eStatements
  • $3 monthly paper fee (waived with enrollment of eStatements)
  • Free SecurLOCK Equip app
Money Market Plus
$25
$2,500
Balance under
$2500: $10
$2500+: $0
Yes; tiered rates
  • Free online & mobile banking 

* Some restrictions apply. Your account has been open for at least thirty (30) days, and thereafter you maintain your account in good standing, which includes at least:

  1. Bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours
  2. Not being in default on any loan or other obligation to First Liberty Bank
  3. Not being subject to any legal or administrative order or levy

We offer other overdraft protection plans that may be less expensive than our standard overdraft protection plan, such as:

  1.  A link to another FLB deposit account that you own
  2. An overdraft line of credit (subject to approval)