Switch Your Accounts
Make a smooth transition to Liberty Bay by taking advantage of ClickSWITCH, the fastest, easiest, and safest way to switch your direct deposits and automatic payments.
Save hours of time
No need to track down payments or fill out paperwork
Track switches and receive real-time switch notifications
Access Accounts
We go where you go
Whether your at home, at work, or on the road, Liberty Bay is there for you 24 hours a day, 7 days a week. With our digital banking services you decide when and how you’d like to interact with us. Managing your money wisely is easy with our complete set of remote access points.
Digital Banking
If you’re connected to the internet, you’re connected to Liberty Bay. No matter where you are, our free, fast and secure 24-hour online and mobile banking service lets you transfer funds, pay bills, view up to 24 months of statements, create a budget, make payments and more.
ATM & Mobile Deposit
Get cash and deposit checks on your schedule. Access thousands of ATMs nationwide with our Locator tool on our website and mobile app. And securely deposit checks from your smartphone, tablet or desktop with our Mobile App or AccuSCAN.
Transfer Funds
Whether you’re transferring funds between your own Liberty Bay accounts, to other financial institutions, or to friends or family with PopMoney, we’ve got you covered. You can even set up recurring, automatic transfers to make things like saving and loan payments easy.
Get in Touch
We love to hear from you – whether you need account assistance, or just have a question. We offer secure messaging, live chat, or just give us a call! We’re here when you need us.
Maximize Your Membership
You are the reason we exist
As a credit union, we’re owned by members like you. We exist to serve your needs.
Set Up Direct Deposit
Save yourself a visit to a branch or ATM to deposit a paper check by setting up direct deposit with Liberty Bay Credit Union. Direct deposit can also help you build savings effortlessly when you direct a portion of your paycheck into your preferred Liberty Bay savings account.
Setting up Direct Deposit can be tedious. Not at Liberty Bay! We made it easy for you with ClickSWITCH™. Securely switch direct deposits and automatic payments in as little as 10 minutes.
Liberty Bay MasterCard Debit Card
Enjoy the benefits of our MasterCard® Debit Card, including:
- No monthly fee and unlimited purchases
- Easy, safe and convenient—can be used anywhere MasterCard is accepted
- Free cash withdrawals at Allpoint, SUM, MoneyPass, and CO-OP ATMs
- Earn rewards with uChoose and Purchase Rewards
- Show fraud who’s boss with CardValet, the app that manages risk by allowing you to define when, where and how your cards can be used.
Club Savings
Set a goal, stash some cash, and follow these tips to get the most out of our Holiday, Vacation, and Rainy Day Club Savings Accounts:
- Start slowly. We’ll pay interest on balances as low as $5
- Keep it growing. Make deposits at a branch, by mail, by direct deposit or by transfers
- The big payoff. Club Accounts earn dividends that are compounded daily and paid at maturity
- Easy access. When the account matures, funds will be transferred directly to your Traditional Savings Account
Financial Resources
Your money. Your life. Our tools to help.
We want to see you succeed. That’s why we provide the knowledge and resources you need to discover financial freedom. No matter your life stage, you can access easy-to-understand and actionable information to optimize you present and future financial well-being.
FA$Ttrack Online Learning
At Liberty Bay, we believe strongly in the importance of financial education, and take an educational approach to banking. That’s why we are excited to offer our online learning portal, FA$Ttrack. Through this online tool, you can learn about an array of financial topics, such as how to improve your credit score, the process of securing a mortgage, and more – all at your own pace!
Money Manager
We’re making it easier than ever to visualize and interact with your money. With Money Manager from Liberty Bay, you’ll gain powerful insights on when, where, and how you spend. Money Management gives you the tools to start simplifying your finances — and much more.
- See all your accounts in one place
- View spending
- Set and manage budgets
- Visualize your financial goals
The Beacon Brief
Read about everyday finances, check out our Member and Employee Spotlights, get valuable insights from our Liberty Bay Expert Q&As, and get educated on the latest scams and how to protect yourself. The Beacon Brief is a place for members to learn more and be inspired.
New Member FAQs
When will I receive my debit card?
5-10 business days
How do I register for online banking?
- Go to our Online Banking log in page.
- For first time access your Liberty Bay member number will be your username, and the last 4 digits of your SSN will be your password.
- Next, you will create a User ID (must be at least 6 characters long and cannot be your member number, account number, or email address) and a password (must be at least 8 characters long with a combination of letters and numbers).
- You will then be able to see your accounts online moving forward.
How do I enroll in e-Statements?
- Log into Online Banking using the User ID and password you created.
- Confirm your contact information is updated with your correct email address.
- Click on the “Additional Services” tab.
- Click on the sub-tab “View e-Statements”.
- Opt-in to e-Statements by accepting our Online Statements Agreement and Disclosure
How do I set up my direct deposit?
Liberty Bay has made it easy for you with ClickSWITCH™, the fastest, easiest, and safest way to switch your direct deposits and automatic payments.
How it works
- If you opened your new account at a branch you were provided a SwitchTRACK code. You will use this code to log into ClickSWITCH and begin setting up your direct deposit.
- If you opened your new account online, an email with instructions on how to access ClickSWITCH was sent to you so that you can begin setting up your direct deposit.
- If you need a SwitchTRACK code contact our Member Services team at (617) 439-6500.
How do I order checks?
If requested, a complimentary box of checks will be ordered at account opening. To order additional checks please contact our Member Services team at (617) 439-6500.
Is my account federally insured?
As a member of Liberty Bay, take comfort in knowing that every dollar you deposit is safe, secure, and 100% insured. All deposits are fully insured by a combined insurance coverage of the National Credit Union Association (NCUA), up to $250,000, and the Massachusetts Shared Insured Corporation (MSIC) covers the rest. Now that’s safe keeping.
What is the difference between a credit union and a bank?
Banks operate to generate profits for their stockholders or private owners. Credit unions are not-for-profit financial cooperatives, owned and operated by the Members. Credit union profits are returned to their member-owners in the form of higher deposit rates, lower loan rates, and no or low cost services.
Why is $5 dollars held in my savings account?
That $5 makes you a member-owner of the credit union; it is the foundation of your membership with us. Your initial membership deposit makes you a part owner and gives you a say in the credit union’s decision. This $5 minimum balance is your money and will be returned if you should ever close your membership.
What are the ways to access my account?
As a new member, there are several ways to access your account while waiting for your debit card to arrive:
What is shared branching?
Shared branching is a service offered by Liberty Bay allowing members to use other participating credit union locations to make deposits, withdrawals, loan payments, or transfers. These locations can be found on our locator page. Simply type in your zip code to search for locations.
What is Mobile Deposit and how do I use this service?
Mobile Deposit eliminates the need to stand in line at a branch or mail checks to Liberty Bay, giving you the flexibility to conveniently make secure deposits anytime using your mobile device.
Requirements to use Mobile Deposit through the Liberty Bay Mobile App:
- An active account in good standing
- Enrollment in Online Banking
- Access to an Apple or Android powered device with the Liberty Bay Mobile Banking app installed
Are there limits for mobile check deposits?
Yes. There is a per deposit limit, a daily deposit limit, and a rolling 30-day deposit limit:
- Per Deposit Limit: $2,500.00
- Daily Deposit Limit: $5,000.00
- Rolling 30-Day Limit: $50,000.00
What is Text Banking?
Text Banking is an easy, fast and secure way of banking while using your phone’s texting capabilities. With Text Banking, you can check balances and view recent account transactions on the go!
You can enroll in Text Banking via Online Banking:
- Once logged into Online Banking, select the Notifications tab in top right corner.
- Select the Settings button on bottom of the Notifications window.
- Activate Text Banking by clicking the link given in the Text Message Banking window.
- You will need a mobile phone with texting capabilities. Standard messaging and data rates may apply.
- Liberty Bay’s Text Banking number is 454-545.
When are my funds available in my account?
Please refer to the Combined Disclosure – Availability of Funds section.
Do you still have questions? Or simply want to give us feedback?