A gold and blue award for America's Best Banks, Newsweek.
A gold and white sign that says "America's Best High-Yield Checking".
A gold and blue award for America's Best Banks, Newsweek.
A blue and white sign that says Vertical Checking.
A blue and white checkered sign that says Vertical Checking.
3.45
%
APY
A blue circle with a white number 4.8 and stars.
See how much you can earn
Start Earning
A chart showing the daily balance and 30-day earnings.
Free ATMs anywhere
Use any other bank’s ATM worldwide, and we’ll reimburse the fee!
A person holding a stack of money in front of a bank machine.
A woman is using a bank machine to get cash.
Black SUV driving through forested area.
A large house with a brown roof and a garage.
Loan rate discounts
With a Vertical Checking account, you’re eligible for discounts on select loan rates.
A blue circle with 1/8% APR written in white.
discount on
Mortgage Loans
A blue circle with 1/4% APR written in white.
discount on
Auto Loans
Open your account today in as little as 5 minutes
Plus, you'll love our app!
RATED
4.8
STARS
4.8 gold stars on a blue background.
More than 10,000
app reviews
“Liberty’s mobile app is the best.”
five stars icon

I have accounts with three other institutions. Between the four different banks and credit unions I have, Liberty's mobile app is the best. I have an account with ONB who seemingly uses the same app service. However, annoyingly, their app does not offer the same range of services available through Liberty's.

An outline of a person.
Jordan F. Conaway
10/4/2022
“Liberty’s mobile app is the best.”
five stars icon

I have accounts with three other institutions. Between the four different banks and credit unions I have, Liberty's mobile app is the best. I have an account with ONB who seemingly uses the same app service. However, annoyingly, their app does not offer the same range of services available through Liberty's.

An outline of a person.
Jordan F. Conaway
10/4/2022
“Liberty’s mobile app is the best.”
five stars icon

I have accounts with three other institutions. Between the four different banks and credit unions I have, Liberty's mobile app is the best. I have an account with ONB who seemingly uses the same app service. However, annoyingly, their app does not offer the same range of services available through Liberty's.

An outline of a person.
Jordan F. Conaway
10/4/2022
“All I need is at my fingertips!”
five stars icon

The app is very user-friendly and it also all information that I will need. I am able to pay my bills, transfer money, and update all information on my app. Last week, I was looking at my credit score and viewing ways to help improve it. All I need is at my fingertips!

An outline of a person.
Hailey Like
8/14/2021
“Instant access to all of your accounts.”
five stars icon

Super easy to use and instant access to all of your accounts in a matter of seconds. I can’t say enough great things about Liberty FCU. They’re great people!

An outline of a person.
SSBF2017
7/26/2022
“Never used a better financial tool."
five stars icon

Simple, intuitive, accessible, powerful. I have never used a better financial tool. Well done!

An outline of a person.
Mr. Huffman
8/20/2021
“Great job, keep it up.”
five stars icon

I started in banking in 1965 and retired from banking in 2010. I see Liberty as a bank of old in respect to its attention to their customers, the friendly attention they give you, and the respect. However, they are a modern day bank with all the services you can get from the big BANKS, with the old timey small bank attention. GREAT JOB, KEEP IT UP.

An outline of a person.
Boggy G. Spears
11/9/2022

Qualification is easy

Just meet 4 simple monthly requirements

A man in a suit holding a card in front of a woman.
15+ monthly debit card purchases
A woman in a yellow jacket is sitting at a desk with a laptop, calculator, and papers.
1+ online or mobile banking login
A woman wearing a yellow hard hat and a green vest.
1+ direct deposit into the account
A woman holding a cell phone and a book.
Electronic statement enrollment
Vertical Checking Receives National Acclaim
Best Checking Account for Debit Users, Best Credit Union for Checking
A logo for the Forbes magazine.
Best-in-State Banks & Credit Unions
A black and white logo for Kipplingers Personal Finance.
Nation's Top Checking Account
America's Best High-Yield Checking
A person holding a cell phone and a credit card.
Open your account and start earning more today
Open your account and start earning more today

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

3.45% APY dividend 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.
Annual Percentage Yield accurate as of July 17, 2024. Rate subject to change. Monthly earnings based on a 365 day year. 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. 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 withdrawal must be from the qualifying Vertical or Platinum Rewards Checking account. ATM fee reimbursement limited to $15 per account per month. Fees reimbursed based on transaction details obtained by the ATM provider.

1/8% APR off your mortgage when you set your mortgage loan payments to be automatically paid from your Liberty FCU checking account.

1/4% APR off any new personal, auto, or recreational vehicle loan when you have Liberty FCU’s free Vertical Checking or Platinum Rewards Checking.

Discount available on conventional conforming financing of purchases for primary residences and refinancing of mortgage loans already established at Liberty FCU only. Offer available for already established SmartMove loans when refinanced with at least $10,000 new money. Closing costs may apply. Liberty FCU verifies the past checking history of applicants with ChexSystems, a national consumer reporting network. Information obtained from the report could result in checking account denial. Certain product exclusions may apply. Contact a Liberty FCU mortgage loan officer for further details.