Bill Pay
How do I sign up for Bill Pay?

To sign up, log in to Online Banking, click on Bill Pay and complete the easy enrollment process.

How secure is Bill Pay?

Bill Pay is very secure and uses several methods to ensure that your information is secure, too. Liberty Bay uses industry-leading technology and encryption to ensure all your personal data is safe. You are also automatically signed out of a session if you’re inactive for a period of time. However, it’s best to sign out immediately after you’re finished using Bill Pay.

How do I pay a bill using Bill Pay?

To begin using Bill Pay, you’ll need to set up your payee list by adding the recipients to whom you want to make payments. You only need to add each payee once.

  1. Log in to your Liberty Bay account through Online Banking or our Mobile App
  2. In Online Banking, select Bill Pay under “Transfers & Payments” in the main navigation menu. In our Mobile App, select Bill Pay located on the bottom navigation menu
  3. Agree to Bill Pay disclosure. Click “Continue”
  4. Select “Add Payee/Manage Payees” and choose whether you’re paying a business or a person.  Click “Next”
  5. Enter the payee and account information. Click “Save/Continue”
  6. Complete verification process

Once the payee is set up, select the payee from the “Bill Pay Dashboard” page, confirm the Pay From account to pay the bill, enter the Amount you wish to pay, determine the payment Frequency, select the date you wish the payment to be delivered on, and click “Submit Payment.” Note that it could take up to 2 business days to deliver an electronic payment and 4 business days to deliver a paper check payment.

Why isn’t the money immediately taken out of my account when I use Bill Pay?

When you pay a bill, we provide you the earliest date the payment can be delivered. Typically, electronic payments are completed in one day, while paper checks can take up to five days. During the time the transaction is being sent, the funds remain in your account, allowing you to continue to earn interest. With electronic payments, the money is taken out of your account when the payment is delivered; with checks, it remains in your account until the check is cashed.

I set up a Bill Pay in Online Banking, but it didn’t get paid. What happened?
Verify the payment was made by clicking on the “History” tab from Bill Pay dashboard and review listed historical payments information and status.  If you find a payment did not occur, contact Member Services at (617) 439-6500 or visit any Liberty Bay branch for assistance.
What methods are used to make payments?

Liberty Bay uses two methods to pay a payee: electronic payments or checks. Bill Pay automatically determines whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines.

  • Electronic payments are sent out one day before the due date. The money is withdrawn from your account on the payment due date.
  • When your payment is sent by check, a check is prepared for you with your account number on it. The money is withdrawn directly from your account when the check clears. Checks expire 30 days from the date of issue.
What type of account is required to set up Bill Pay?

You’ll need a Liberty Bay checking account to set up Bill Pay.

What is CardValet?

CardValet is a standalone app that allows you to turn your debit card “on” or “off” anytime. When a card is “off,” it cannot be used by anyone. Turn it “on” when you’re ready to use it.

Advantages of CardValet:

  • Help safeguard your cards from fraud
  • Define areas where your card can be used
  • Limit purchase by the type of merchant
  • Set limits on the dollar amount
Is there a cost?

No, CardValet is a free service we offer to our members with a Liberty Bay Mastercard® Debit Card. However, message and data rates may apply from your carrier.

What operating system do I need for CardValet?

CardValet will generally support the current and two past versions of the operating systems for Apple iOS devices and Android-based mobile devices.

How do I enroll/register for CardValet?

Download the CardValet app (Apple/Google) and install on your device

Registration Process:

  • Once you have the app installed on your mobile device, open the app and select ‘New User’
  • You will begin the registration process by entering your card number. After you have entered the
    card number press “Next”. You will then be asked to input the following information to complete
    your card registration process.

    • Security Code (3-digit code found in the signature panel on the back of the card)
      Expiration Date
    • Billing Address (must match the address Liberty Bay has on file for your account)
    • Last 4 digits of the primary cardholder
  • Once this information has been entered and verified you will be asked to accept the ‘Terms and
    Conditions for CardValet Terms of Use’. Please press ‘accept’ to continue.
  • You will now create your account login information by entering your email address, selecting a username and creating a password.
Can multiple cards be linked to one registered account?

You can register multiple cards within a single CardValet app. Additional cards can be added within the ‘Manage Portfolio – Add Card’ screen.

You will need to enter the same level of detail entered for the original card. This information includes the

  • Card number
  • Security Code (3-digit code found in the signature panel on the back of the card)
  • Expiration Date
  • Billing Address (must match the address Liberty Bay has on file for your account)
  • Last 4 digits of the primary cardholder

Typical examples of multiple individuals registering one card include: parents and dependents; spouses; and employers/employees.

How exactly does the on/off feature work?

The on/off control within CardValet will allow you to block transactions at any time for any reason. The on/off function will not affect transactions that were approved prior to the card being turned off or to transactions that have been setup as recurring.

What are Controls and Alerts?

Controls can be used to restrict transactions based on certain parameters, whereas alerts are only notifications that a transaction has been conducted or attempted. Controls facilitate the on/off CardValet setting, as well as limiting usage based on merchant type, location, or transaction amount. Alerts can be set to notify you based on the parameters you chose regarding merchant type, location, transaction amount, or you may choose to be alerted for all card transactions.

A threshold limit of $50 has been set but I cannot buy gas at some pumps. Why?

There are some merchant types that will pre-authorize the card for an amount that may be larger than the actual transaction amount. In this instance the pre-authorization amount is exceeding the threshold spend limit. If this happens to you, adjust/turn off the ‘Spend Limit’ control or go inside and prepay for a specific dollar amount.

I used my card and got declined due to “My Location” or “My Region” controls, why?

There are some local merchants that use out of area processors for their card transactions, those transactions may be declined for these types of merchants if the ‘My Region’ or ‘My Location’ controls are active. Please deactivate this control and attempt the purchase again.

Can I block all international transactions?

International transactions can be blocked using the ‘International’ location control. Transactions will be limited to the United States. IF this option is selected, you will not be able to also use either the ‘My Location’ or ‘My Region’ controls.

Always contact Liberty Bay if you plan to travel outside of the country.

Certificate of Deposit (CD)
Will I be charged a penalty for early withdrawal of my money?

Depending on the term, you may be charged between 1 month to 6 months’ worth of interest on the amount withdrawn.

How do I renew my CD account?

If you would like to keep the same term, you do not need to contact us. If you would like a different term you may contact our Member Services team at:

📞 617-439-6500 option 1

✉️ Email Member Services 

💬 Live Chat

In the event the same term is not offered, your CD will automatically renew into the closest term greater than than the existing term.

How will I be notified that my CD is going to mature?

Liberty Bay will mail a pre-renewal notice to you 45 days before your CD matures.

How long do I have to renew or close my account when my CD matures?

You have 10 days to decide whether you want to change your term or close your account penalty free.

If you choose not to renew your account for any reason, your funds will be transferred to your dividend bearing Share Account.

Do you offer overdraft protection on checking accounts?

Benefits Protection is automatically extended to all members with a checking account where the account is maintained in good standing.

Learn More

How can I get check copies?
  • Log into Online Banking
  • Select the “Secure Forms” tab
  • Select the “Check Copy Request” sub-tab and follow the prompts on the following page.
How do I stop payment on a check?
  • Log into Online Banking
  • Select the “Additional Services” tab
  • Select the “Stop Payment” sub-tab and follow the prompts on the following page.
How do I order more checks?

If requested, a complimentary box of checks will be ordered at account opening.  Additional checks can be ordered at:

Or contact our Member Services team at:

📞 617-439-6500 option 1

✉️ Email Member Services 

💬 Live Chat


Debit Card
Traveling with your debit card?

If you plan to travel internationally or domestically, let us know when and where you’ll be traveling. That way, if our fraud monitoring team sees charges, they won’t flag it as suspicious activity and freeze your account.

To place a travel notification on your account call our Member Services team at (617) 439-6500, or log on to Online Banking and send a secure email or message by clicking the Support tab on the top right of the page.

Need to reset your debit card PIN?

Please have your Debit Card handy and call (800) 992-3808. You can reset your PIN through our automated system.

Lost, Stolen or Fraudulent Charges?

To report a lost or stolen Mastercard® Debit Card or a fraudulent charge please call (800) 472-3272.

Need a replacement card?

Contact our Member Services team at (617) 439-6500, or you may send us a secure message through Online Banking to request your replacement.

Need to activate your card?

To activate your new Liberty Bay Mastercard® Debit card please call (800) 992-3808.

Emails & Texts
Can I unsubscribe from Fraud Alerts?

Yes. Simply reply ‘STOP’ when you receive a text message, or call our Member Services team at (617) 439-6500 and we can remove the service from your account.

How can I make sure you have the right cell phone number so I can be sure the alerts are sent to me?

Confirm your contact information is updated in Online Banking by:

  • Logging in to Online Banking
  • Select the “My Settings” tab in the top right corner
  • If necessary, edit the contact fields with your most up-to-date information
Is there a fee for alerts?

No. Liberty Bay does not charge a fee for this service.

How do I sign up for email or text alerts?
  1. Log into Online Banking
  2. Select the Notifications tab in the top right of the page
  3. Select the Settings button on bottom of the Notifications window.
  4. Under Settings, select ‘Add/Edit Alerts’
  5. Select the Alert you want to Add or Edit.
Does Liberty Bay send emails and/or texts to its members?


We may occasionally send messages to you. If you’ve provided us a valid email address, you may opt out of receiving marketing messages through the “Unsubscribe” button at the bottom of the email.

Text/SMS Messages

If you’ve set up specific alerts such as account alerts, we’ll send information as appropriate.

NOTE: It’s important to note that we will never ask for any personal information over email or text.

Liberty Bay will never send unsolicited emails or texts asking members to provide, update or verify their personal or account information, such as passwords, Social Security numbers, personal identification numbers (PINs), credit or debit card numbers, or other confidential information. As always, Liberty Bay respects your privacy. To learn more,read our privacy policy.

What is Liberty Bay’s mailing address?

Our mailing address is:

Liberty Bay Credit Union

300 Granite Street

Braintree, MA 02184

What is the holiday schedule at Liberty Bay?

Go to the Holiday Hours and Dates page for a complete list of holidays that will be observed at Liberty Bay.

Am I eligible to join Liberty Bay?

There are several ways to qualify for membership at Liberty Bay Credit Union. Visit our Eligibility page.

How do I update my address or contact information?
  • Log into Online Banking.
  • Select the “My Settings” tab in the top right corner.
  • Edit the contact fields with your most up-to-date information.
Where can I find my member number?

You can find your member number the following way:

  • You may call our Member Services team at (617) 439-6500 and request to have your member number mailed to you.
  • You can visit any Liberty Bay branch with a valid photo ID to obtain your member number.
What is an ITM?

An ITM is an Interactive Teller Machine. ITMs allow you to speak with Liberty Bay tellers through two-way live video. You get the same great service from our tellers in a simpler, more secure way.

How do ITMs work?

Members simply touch the screen to get started and one of our tellers will appear onscreen. After that, your teller will guide you through your transaction. It’s that easy!

What types of transactions can I do at an ITM?

Most in-person teller transactions can be done at an ITM, including cashing checks, cash and check deposits, cash withdrawals, loan and mortgage payments and transfers.

Will the same teller handle my transactions? Can I choose my teller?

We have a team of remote tellers assisting members, so you may not always speak to the same teller. Instead, the next available teller will be able to assist you.

Will I need to complete a deposit slip for an ITM transaction?

No, deposit slips are not needed with ITM transactions.

Which locations have ITMs

Interactive Teller technology is available at our Braintree Branch and Hingham Branch.

Do ITMs replace Liberty Bay employees?

No, when you use a Liberty Bay ITM, you are served by one of our employees working remotely from a centralized location in Braintree.

Are ITMs the same as ATMs?

No. ITMs can do many more types of transactions than ATMs. Liberty Bay still has ATMs available to do transactions, like withdrawing cash, or making a deposit. The ITMs are ideal for transactions that require a personal teller.

I need support for my loan. Who should I contact?

Call our Member Services team at (617) 439-6500 for any question related to your loan.

Our mailing address is:

Liberty Bay Credit Union

300 Granite Street

Braintree, MA 02184

How do I pay my Liberty Bay mortgage?

You can make a mortgage payment in My Mortgage, Liberty Bay’s online Mortgage Loan Servicing Resource.

To access My Mortgage follow these 3 easy steps:

  1. Login to your Online Banking
  2. Select the “Additional Services” tab
  3. Select the “My Mortgage” sub-tab

First time users must register. If you have any questions regarding My Mortgage please contact our Mortgage Servicing team at 617-439-5098.

How do I pay my Liberty Bay personal or auto loan?
  1. Log in to Online Banking
  2. Select “Move Money”
  3. Select “Make a Transfer” and then follow the prompts to pay your loan from the Liberty Bay account of your choice.
Online Banking
How do I enroll in Online Banking?
  • From the Online Banking login page, select Enroll & Access Today.
  • Enter your Liberty Bay member number and enrollment PIN.
  • If you can’t remember your PIN, you may reset it at a Liberty Bay branch, or over the phone at (617) 439-6500.
  • Once logged in, create a personalized username and password. For greater security, use a combination of letters, numbers and special characters.
I’m having trouble viewing Online Banking. What can I do?

If you’re having trouble viewing Online Banking, verify that your browser is up-to-date. In order for changes to take effect, you may need to reboot your computer. Additionally, you may need to clear your browser cache, and/or cookies. Here’s how to do it, based on your browser:

Delete and Manage browsing history in Chrome.

Delete and Manage browsing history in Internet Explorer.

Delete and Manage browsing history in Safari.

Delete and Manage browsing history in Edge.

Delete and Manage browsing history in Firefox.

How do I cancel eStatements?

If you decide that you would like to receive paper statements and you are currently set up for eStatements, please contact Member Services at (617) 439-6500 to request this change.

How do I enroll in eStatements?

If you would like to receive electronic statements, you can make changes at any time through Online Banking:

  1. Log into Online Banking
  2. Under the Additional Services tab select eStatements
  3. View and accept the Online Statements Agreement and Disclosure
  4. Provide a working personal email address
How do I enroll in Direct Deposit?

Setting up direct deposit is easy and can be done by providing your employer (or other depositor) with the following information:

Credit Union: Liberty Bay Credit Union

Bank Routing Number: 211081216

Bank Address: 300 Granite St, Braintree, MA 02184

Name on Account: Your Name

Member Number: You can find your member number in any of the following two ways:

  • You may call our Member Services team at (617) 439-6500 and request to have your member number mailed to you.
  • You can visit any Liberty Bay branch with a valid photo ID to obtain your member number.
How do I transfer money in my banking?

Liberty Bay offers convenient ways to quickly and securely move your money when and where you need to.

Learn More

Routing Number
What is Liberty Bay’s routing number?

Liberty Bay’s routing number is 211081216.

It’s the first set of numbers printed on the bottom of your checks, on the left side.