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?