At Liberty Bay, our checking accounts are designed to give you more every day. No minimum balance requirements. No monthly maintenance fees. Whether you’re looking for an easy-to-use checking account or a Premier checking account that earns you higher rate dividends, we’ve got you covered.
Inclusive of free eStatements, mobile deposit, and Bill Pay for active users
When we say checking account, we mean it: no minimum balance or monthly maintenance fees. Benefits Checking is for members looking for a convenient, easy to use checking account. Perfect for those just starting out, or who actively use their cards for everyday purchases.
Enjoy all the benefits of our traditional Benefits Checking, PLUS earn 3.50% APY** on the first $1,000 in your Premier Checking Account! A Premier Checking account is for members who maintain high daily account balances and are looking for higher-rate dividends.
Our Basic Checking Account allows you to manage your account with no fees while providing a safe and convenient access to your money.
Become a Liberty Bay member and get the most from your checking account.
Rates effective as of 09/22/2025
**$500.00 minimum balance required to open and to earn APY. A dividend rate of 3.44% will be paid on your daily balance up to $1,000.00. The Annual Percentage Yield (APY) for this tier will be 3.50%. A dividend rate of .05% will be paid on any daily balance over $1,000.00. The APY will then range from 3.50% to .05% depending upon the total account balance. Up to $15.00 in ATM Fee Reimbursements per month are provided for out-of-network withdrawals, provided a minimum balance of $500.00 is maintained. There are no monthly maintenance fees. Funds earn dividends from the first business day of deposit. Fees or other conditions may reduce earnings on this account.
***Must maintain a minimum daily balance of $500.00 for the entire statement period to be reimbursed up to $15.00 for out-of-network ATM fees accrued in that same statement period. Reimbursement will be applied during the following statement period. If the minimum daily balance of $500.00 is not maintained, the account will not be eligible for reimbursement of foreign ATM fees for that period. While no monthly maintenance fees are charged and no minimum balance is required to keep the account open, a $500.00 minimum daily balance is required to earn the advertised APY. Other fees may apply.
