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Vertical Checking is the free
account that pays you!

To qualify, simply meet these easy requirements each month:


15+ debit card purchases1

1+ direct deposit into the account

1+ online or mobile banking login

Receive electronic statements
Click here to enroll in eStatements

open your account

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 June 14, 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.

1Must 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.

21/8% APR off your mortgage when you set your mortgage loan payments to be automatically paid from your Liberty FCU checking account.
31/4% 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.