Vertical Checking

Earn 3.45% APY—Plus
FREE ATMs Anywhere!
Card Image
  • Earn 3.45% APY–now on balances up to $20,000!
  • FREE ATMs anywhere worldwide
  • Cutting-edge online and mobile banking
  • No minimum balance
  • No monthly service fees

Enjoy 3.45% APY on your balance up to $20,000. Start earning a high interest rate on your checking account today!

Platinum Rewards

Receive 500 Bonus ScoreCard
Reward Points Each Month!
Card Image
  • 500 bonus ScoreCard points
  • FREE ATMs anywhere worldwide
  • Cutting-edge online and mobile banking
  • No minimum balance
  • No monthly service fee

Earn reward points every month and with every qualifying purchase. Redeem them for name-brand merchandise, travel, and more!

Monthly Requirements


15+ debit card purchases


1+ direct deposit into the account


1+ online or mobile banking login


Receive electronic statements

Enjoy the convenience of eStatements for free! Click here to enroll or learn more.

Track your checking rewards progress

We make it easy to qualify. Just log in to Liberty FCU online banking or Liberty FCU Mobile to track your progress for the month. Plus, track multiple checking account qualifications with the drop down arrow on the top right.

Checking rewards phone

Only Vertical Checking and Platinum Rewards Checking offer all of these exciting benefits:

Great Rates and Rewards

Free ATMs Anywhere
Free ATMs Anywhere

No Minimum Balance

No Monthly Service Fee

Account Access

Plus, receive a rate discount on your next auto, mortgage, or personal loan!

Checking Rates

Checking Rates

Rates accurate as of December 10, 2023
TypesMinimum to Open# of Debit TransactionsDividendAPY^Min Bal to Earn Dividend
Vertical Checking*$2515+3.40%3.45%N/A
Platinum Rewards Checking**$2515+0.005%0.005%$500
Business Dividend Checking$100N/A0.005%0.005%$1,000
Classic Checking$25N/A0.005%0.005%$500
Classic Debit Checking$25N/A0.005%0.005%$500
Health Savings CheckingN/AN/A1.99%2.01%$500
Investor Checking$25N/Atiered dividends based on account balance
$1,000 - $9,999--0.10%0.10%$1,000
$10,000 - $24,999--0.15%0.15%$10,000
$25,000 - $49,999--0.25%0.25%$25,000
$50,000 or more--0.25%0.25%$50,000

Other Checking Account Options


Classic Debit Checking is a free checking account that offers the convenience of a debit card.


This account offers the basic benefits of a free Liberty FCU checking account without a debit card.


Investor Checking is a free account that offers earnings based on current Liberty FCU money market rates and tiers.


Simply open your account online today to get started.

Already have an account? Click here to upgrade.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Inc.

Annual Percentage Yield accurate as of December 10, 2023. Rate subject to change. Fees or other conditions could reduce earnings on the account. Minimum $25 required to open. Contact an employee for further information about applicable terms and fees. Applicable on balances up to $20,000. 3.45% APY dividend or 500 ScoreCard bonus points will not be paid if all services are not used or if fewer than 15 debit purchases post in the month. Debit transactions typically post within two business days and may vary based on merchant processing. ATM transactions do not qualify as debit card purchases. ScoreCard points are not rewarded on purchases from Vertical Checking. Online and mobile banking logins and eStatements enrollment are reported and counted the next business day.  To help you balance your checkbook, click here to open a check reconciliation form along with error resolution notification information. Must meet account requirements to receive ATM fee reimbursement. ATM fee reimbursement limited to $15 per account per month. Fees reimbursed based on transaction details obtained by the ATM provider.