Coming January
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Free ATMs anywhere
Use any other bank’s ATM worldwide, and we’ll reimburse the fee!
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Loan rate discounts
With a Vertical Checking account, you’re eligible for discounts on select loan rates.
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discount on
Mortgage Loans
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discount on
Auto Loans
Open your account today in as little as 5 minutes
Plus, you'll love our app!
RATED
4.8
STARS
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More than 10,000
app reviews
“Liberty’s mobile app is the best.”
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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.

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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!

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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!

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SSBF2017
7/26/2022
“Never used a better financial tool."
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Simple, intuitive, accessible, powerful. I have never used a better financial tool. Well done!

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Mr. Huffman
8/20/2021
“Great job, keep it up.”
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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.

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Boggy G. Spears
11/9/2022

Qualification is easy

Just meet 4 simple monthly requirements

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15+ monthly debit card purchases
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1+ online or mobile banking login
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1+ direct deposit into the account
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Electronic statement enrollment
Vertical Checking Receives National Acclaim
Best Checking Account for Debit Users, Best Credit Union for Checking
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Best-in-State Banks & Credit Unions
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Nation's Top Checking Account
America's Best High-Yield Checking
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Open your account and start earning more today
Open your account and start earning more today

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3.50% 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 January 1, 2025. 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.