CHECKING ACCOUNTS: 

 

When it comes to checking accounts, customers want a simple, comprehensive product.  That’s why Liberty Trust & Savings Bank offers checking accounts with unlimited check writing and low minimum balance requirements.  The money in your checking account is available 24 hours a day in numerous ways; in addition to check writing, you can obtain an ATM card or a Liberty Trust & Savings Bank Debit card to access your account and of course our Online Banking makes your account available to you anytime on your computer.  In addition, every account offers FREE check safekeeping with imaged checks, a ShazamChek card with no annual fee (subject to approval), and automatic transfers for overdraft protection.  At Liberty Trust & Savings Bank we have the checking account and services that are just right for you! 

 

Notice of Changes in temporary FDIC Insurance Coverage for transaction accounts. In accordance with the Dodd-Frank Wall Street Reform and Consumer Protection from Dec. 31, 2010, through Dec. 31,2012, all funds in "noninterest-bearing transaction accounts" are insured in full by the Federal Deposit Insurance Corporation. This unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account (or demand deposit account) on which the insured depository institution pays no interest. It does not include any transaction account that may earn interest, such as a negotiable order of withdrawal ("NOW") account, money-market deposit account, or Interest on Lawyers Trust Account ("IOLTA"), even if checks may be drawn on the account. The temporary full insurance coverage of "noninterest-bearing transaction accounts" expires on Dec. 31, 2012. After Dec. 31, 2012, funds in noninterest bearing transaction accounts will be insured under the FDIC's general deposit insurance rules, subject to the Standard Maximum Deposit Insurance Amount of $250,000. For more information about FDIC insurance coverage of transaction accounts, visit http://www.fdic.gov. 

 

Regular Checking Account: 

 

A traditional checking account for individuals 

 

NOW Checking: 

 

A traditional checking account with interest 

 

Liberty Investment: 

 

This money market account earns market rates of interest with easy accessibility 

 

Please contact one of our customer service representatives at any one of our four locations for more details and information. 

 

* Overdraft protection is a preauthorized transfer from a customers savings account to cover overdrafts.  $2.00 plus sales tax will be charged for each day a transfer is made.