National bank solutions, community bank attention.

Liberty Bay Bank offers all of the progressive business and personal banking solutions you'd expect at a much bigger bank, all backed by sound banking principles, exceptional personal service, and a promise to exceed your expectations of what a community bank can be.

Today's Rates

Community
Checking

1.26%

APY*

Interest
Checking

0.20%

APY*

Premium Business
Money Market

1.21%

APY*

Savings

0.10%

APY*

*Annual Percentage Yield

Checking Accounts

An essential for business and personal banking, checking accounts at LBB can be integrated with the fee-free conveniences of on-line banking and e-statements, plus easy transfers between other accounts such as Savings and Money Markets. Student checking, Essential Plus checking for persons age 55+, and even interest-bearing Community checking for non-profits are among the many feature-rich options available.
"After 30 years of banking with another local institution, it was a refreshing change to work with Liberty Bay Bank and experience their authentic pro-business approach. They really care about fostering our business success, helping the regional business community, and the communities where we live and work." Morgan Hanley / Hanley Construction, Inc.
  Business Essentials Checking Premium Business Checking Analysis Checking Community Checking 1
Minimum Opening Deposit $100.00 $100.00 $100.00 $100.00
Interest Bearing No No No Yes
Tiered Rates No No No Yes
Monthly Service Fee (if min. average balance is not maintained) $5.00 $10.00 $15.00 $5.00
Minimum Average Balance Required to Waive Service Fee $500.00 $2,500.00 Analyzed $500.00
Transaction Fees 200 FREE combined debit & credit items, then $0.45 per item 500 FREE combined debit & credit items, then $0.45 per item $0.08 per deposited item, $0.12 per debit or credit 1000 FREE combined debit & credit items, then $0.45 per item
Domestic ATM Charges Waived Waived Waived Waived
E-Statements, Check Images & Notices2 Included2 Included2 Included2 Included2
FREE Online Banking with Bill Pay Included Included Included Included
Additional Benefits FREE Small Business Online Banking with Bill Pay. 2 FREE domestic wires per month. Reduced rate on RDC. Qualify for Premium Money Market. Earnings Credit to offset any fees. 5 FREE incoming wires per month. Reduced rate on RDC. And so much more!
1 Community Checking - available to Non-Profit Organizations only. Tier 1 - $.01 - $2,499.99, Tier 2 - $2,500.00 - $24,999.99, Tier 3 - $25,000.00 and up.
2 Must be registered for online banking to access e-statements and notices.
  Essential Checking Interest Checking 1 Student Checking 2 Essential Plus Checking 3
Minimum Opening Deposit $100.00 $100.00 $100.00 $100.00
Interest Bearing No Yes No No
Tiered Rates No Yes No No
Monthly Service Fee (if min. average balance is not maintained) $5.00 $10.00 No No
Minimum Average Balance Required to Waive Service Fee $100.00 or Direct Deposit $5,000.00 N/A N/A
Transaction Fees N/A N/A N/A N/A
Domestic ATM Charges Waived Waived Waived Waived
E-Statements, Check Images & Notices Included 4 Included 4 Included 4 Included 4
Online Banking with Bill Pay Included Included Included Included
Additional Benefits Unlimited Check Writing Unlimited Check Writing Unlimited Check Writing Unlimited Check Writing, 2 boxes of LBB checks free
1 Interest Checking -Tier 1 - $0.01-$4,999.99, Tier 2 - $5,000.00-$9,999.99, Tier 3 - $10,000.00-$24,999.99, Tier 4 - $25,000.00 and up.
2 Students under the age of 18 must have a legal gaurdian joint on the account. Students over 18 must provide proof of continued education.
3 Individual must be 55 or older.
4 Must be registered for online banking to access e-statements and notices.

Find a checking solution that's right for you.

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Savings Accounts

Liberty Bay Bank offers a complete range of interest-bearing personal and business savings accounts, including Money Market accounts, Student Savings accounts, and even Essential Plus programs for persons age 55+. Enjoy options that can include free on-line banking with bill pay, e-statements, waive of other domestic bank's ATM fees, and more.
  Business Money Market1 Premium Business Money Market2 Business Savings Interest on Lawyer Trust Account3
Minimum Opening Deposit $100.00 $100.00 $100.00 $100.00
Interest Bearing Yes Yes Yes Yes3
Tiered Rates Yes Yes No No
Monthly Service Fee (if min. average balance is not maintained) $10.00 $10.00 $5.00 N/A
Minimum Average Balance Required to Waive Service Fee $10,000.00 $10,000.00 $500.00 N/A
Transaction Fees Limit of 6*, then $5.00 per item Limit of 6*, then $5.00 per item Limit of 6*, then $5.00 per item Limit of 6*, then $0.45 per item
Domestic ATM Charges Waived Waived Waived Waived
E-Statements, Check Images & Notices Included Included Included Included
Additional Benefits Unlimited In-House Withdrawals Unlimited In-House Withdrawals Unlimited In-House Withdrawals 4 FREE Domestic wires per month
1 Money Market Tiers -Tier 6 - $0.01-$9,999.99, Tier 5 - $10,000.00-$24,999.99, Tier 4 - $25,000.00-$74,999.99, Tier 3 - $75,000.00 - $149,999, Tier 2 - $150,000 - $499,999, Tier 1 - $500,000 and up.
2 Premium Business Money Market Tiers -Tier 6 - $0.01 - $9,999.99, Tier 5 - $10,000.00-$24,999.99, Tier 4 - $25,000.00-$74,999.99, Tier 3 - $75,000.00 - $149,999, Tier 2 - $150,000 - $500,000. Tier 1 - $500,000.01 and up. Limit one per tax ID. Must have open and active Premium Business Checking or Analysis Checking account.
3 IOLTA/IRETA - This account requires the distribution of interest and does not allow interest to remain in the account.
4 Must be registered for online banking to access e-statements and notices.
* No more than six transfers may be made by check, draft, debit card or similar order to a third party.
  Essential Savings Money Market Student Savings1 Essential Plus Savings2
Minimum Opening Deposit $100.00 $100.00 $100.00 $100.00
Interest Bearing Yes Yes Yes Yes
Tiered Rates No Yes 3 No No
Monthly Service Fee (if min. average balance is not maintained) $5.00 $10.00 No No
Minimum Average Balance Required to Waive Service Fee $500.00 $10,000.00 N/A N/A
Transaction Fees Limit of 6*, then $5.00 per item Limit of 6*, then $5.00 per item Limit of 6*, then $5.00 per item Limit of 6*, then $5.00 per item
Domestic ATM Charges Waived Waived Waived Waived
E-Statements, Check Images & Notices Included 4 Included 4 Included 4 Included 4
Additional Benefits Unlimited In-House Withdrawals Unlimited In-House Withdrawals Unlimited In-House Withdrawals Unlimited In-House Withdrawals
1 Students under the age of 18 must have a legal guardian joint on the account. Students over 18 must provide proof of continued education.
2 Individual must be 55 or older.
3 Money Market -Tier 1 - $0.01-$9,999.99, Tier 2 - $10,000.00-$24,999.99, Tier 3 - $25,000.00-$74,999.99, Tier 4 - $75,000.00 - $149,999, Tier 5 - $150,000 - $499,999, Tier 6 - $500,000 and up.
4 Must be registered for online banking to access e-statements and notices.
* No more than six transfers may be made by check, draft, debit card or similar order to a third party.

Start saving more than just money with LBB.

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Loans

Explore LBB's highly-competitive range of lending solutions to fulfill business or personal needs, including Small Business Solutions, Mortgages, Lines of Credit, and more.

Commercial Real Estate Loans

LBB's seasoned loan experts will work closely with you to create a financing package for purchase, refinance, or property upgrade investments.

Commercial Term Loans

Sharpen your competitive edge by financing business equipment or other long-term assets at attractive rates and terms.

SBA Guarantee Loans

LBB's SBA experts can provide the step-by-step assistance small businesses need to meet their unique borrowing needs.

Lines of Credit

A short term line of credit can provide the working capital a business needs to move ahead and peace of mind as cash flow fluctuates.

Personal Loans

Lines of credit, overdraft protection, or property-related loans may be just the right solution.

Mortgages

Happiness starts at home. Let LBB's range of finance options for purchases, refinancing, or construction fulfill your dream.

Meet our loan team

With more than 124 years of combined banking experience, LBB's team of professional local bankers and business experts stand ready to provide extraordinary personal service at every turn and transaction. Our aim is to build lasting relationships with each and every client, every step of the way.

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Services

Power up business success and productivity with Liberty Bay Bank's progressive solutions.

Remote Deposit Capture

Remote Deposit Capture

Enjoy the many benefits of RDC including the ability to make check deposits without ever leaving your business.

Cash Management

Cash Management

Ensure your business cash balances are continually maximized with LBB's sophisticated set of on-line tools.

Online Banking

Online Banking

Bank from anywhere with security and convenience: account transfers, balance alerts, bill payments and more.

Merchant Card Processing

Merchant Card Processing

LBB's comprehensive Merchant Processing programs are backed by low rates and no hidden costs; even mobile payment solutions.

Credit/Debit Cards

Credit/Debit Cards

Whether for business or personal use, a LBB Visa® Debit or Credit card offers convenience and security everywhere Visa® is accepted.

Courier Service

Courier Service

LBB works harder, so you don't have to. A convenient courier service brings banking services right to your door. Meet Robert.