All Liberty Bay checking accounts include:*

Free MasterCard Debit/ATM Card
Access to 30,000 surcharge-free ATMs
Free Online Banking and Mobile Banking

Inclusive of free eStatements, mobile deposit, and Bill Pay for active users

Free fraud protection through CardValet
Overdraft protection on all approved accounts

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Debit & ATM Card

Instantly access your money at any time with the Liberty Bay Mastercard® Debit & ATM Card.

Overdraft Protection

Despite your best efforts, it can be easy to lose track of your account balance. Liberty Bay understands that unexpected overdrafts occur from time to time – Overdraft Protection can help.

Money Manager

Gain powerful insights on when, where, and how you spend. Our Money Manager tool allows you to view all your finances and gives you the tools to start simplifying your finances.

Everyday needs deserve everyday solutions

Become a Liberty Bay member and get the most from your checking account.


Rates effective as of September 21, 2022

*”Checking” refers to Liberty Bay’s Share Draft Account. Certain restrictions may apply.

**A dividend rate of 1.98% will be paid on your daily balance up to $1,000.00. The Annual Percentage Yield (APY) for this tier will be 2.00%. A dividend rate of .05% will be paid on any daily balance over $1,000.00. The APY will then range from 2.00% to .05% depending upon the total account balance. One premier checking account per membership. Rates may change at any time. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Fees or other conditions may reduce earnings on this account.

***Must maintain minimum daily balance of $500.00 for the entire statement period to be reimbursed up to $15.00 for Foreign ATM Fees accrued in that same statement period. Reimbursement up to $15.00 will be applied during the following statement period. If minimum daily balance of $500 per statement period is not met, member will not be eligible for a reimbursement of foreign ATM fees accrued during that statement period. No account maintenance fees will be charged by Liberty Bay Credit Union, and no minimum balance is required. Other fees may apply.