Banking that keeps its word.
Checking, savings, and retirement accounts built for people who want their bank to be exact, transparent, and easy to reach — not clever. Open an account online in about eight minutes.
Three accounts. Every stage of your money.
Open one or all three from the same application — checking for everyday spending, savings for what's next, and a retirement account for what's later.
Everyday Checking
- No minimum balance requirement
- Free Liberty Visa Debit Card
- Mobile check deposit
- Early direct deposit, up to 2 days sooner
- Overdraft alerts with no fee on transfers from savings
Foundation Savings
- 4.10% APY on all balances, no tiers
- $0 minimum opening deposit
- Automatic round-up savings transfers
- 6 free withdrawals per statement cycle
- FDIC insured up to the maximum allowed by law
Horizon Retirement (IRA)
- Traditional and Roth IRA options
- No account maintenance fees
- Dedicated retirement specialist
- Flexible contribution scheduling
- Rollover support from 401(k) or other IRAs
Everything around the account.
Cards, transfers, and day-to-day tools that come standard — not upsells.
Debit & Credit Cards
Physical and virtual Liberty Visa cards issued instantly to your online banking profile, with a mailed card to follow.
Mobile Banking
Check balances, deposit checks, move money between accounts, and lock a lost card in seconds.
Transfers & Bill Pay
Send money between your own accounts, to other people, or schedule recurring bill payments free of charge.
Fraud Monitoring
Every transaction is screened in real time, with same-day account restriction and email notice if something looks wrong.
Mortgages & Loans
Home, auto, and personal lending with rate quotes you can get online before you ever talk to anyone.
Retirement Planning
One-on-one sessions with a retirement specialist to plan contributions, rollovers, and withdrawal timing.
Your money, watched closely.
Security isn't a settings page you visit once. It's running on every transaction, every login, and every card swipe, all the time.
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01
256-bit encryption
Every session between your device and Liberty National is encrypted end to end.
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02
Real-time fraud detection
Unusual activity — a new device, an odd location, a spending spike — can trigger an automatic hold.
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03
Instant restriction notices
If we restrict your account, you'll get an email explaining exactly why within minutes, not days.
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04
Identity verification (KYC)
Every account is verified against federal identity requirements before it's opened.
Published rates, updated weekly.
Annual Percentage Yield (APY) accurate as of this week. Rates may change after the account is opened.
| Account | Minimum to open | Minimum for APY | APY |
|---|---|---|---|
| Foundation Savings | $0 | $0 | 4.10% |
| 6-Month CD | $500 | $500 | 4.25% |
| 12-Month CD | $500 | $500 | 4.45% |
| Horizon Retirement IRA (5-Year) | $1,000 | $1,000 | 4.65% |
| Everyday Checking | $25 | — | — |
What people actually say.
"I locked my card from the app in about ten seconds after losing my wallet. Replacement card was in my mailbox in three days."
— Checking & Savings member since 2019
"My rollover from an old 401(k) took one phone call. Nobody tried to sell me anything I didn't ask about."
— Horizon Retirement IRA member since 2021
"Got an email the moment there was a weird charge, with the exact reason and a number to call. Fixed before I even noticed."
— Checking member since 2016