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Consumer Alerts

News & AnnouncementsScheduled Closures | Best Practices


Liberty Bay Bank is committed to protecting all of our clients.  Here are a few helpful resources to better serve you.

Be Wary of Fraudulent IRS Phone Calls and Emails


Who's Calling?

Few phone calls warrant as much seriousness among taxpayers as a call from the IRS - which makes the recent rise in fraudulent calls and emails from contacts claiming to be the IRS especially worrisome.  Victims have already lost more than $1 million to this scam. Read more...


"Heartbleed - OpenSSL" SECURITY THREAT



On April 7, 2014, security researchers announced a recently-discovered vulnerability called Heart Bleed. By exploiting this vulnerability, attackers could access sensitive data, compromising the security of the server and its users. A flaw was discovered in "OpenSSL" - a commonly used internet security technology. OpenSSL is used by many websites for encrypting personal data, communications and transactions. This security flaw was recently exploited by a software bug called "Heartbleed." Experts believe that Heartbleed has the capability to acquire user ID's, passwords and other personal information from websites using OpenSSL. It is not yet known who's personal information may have been compromised or how much information was stolen. 



Liberty Bay Bank has never used OpenSSL technology on our website. Your personal information at LBB was not compromised by Heartbleed. We have also confirmed that each of our Internet service partners, which help provide Online Banking and Cash Management, also do not use OpenSSL technology.



If you are like many people who use the same User ID's and/or Passwords to access multiple internet websites, this information may have been compromised on another site using OpenSSL technology. And if your information was stolen, it could potentially be used to access safe internet websites where the stolen information could provide correct authentication.



If you have used your LBB Password as a password for any other internet website, you should change your LBB password now. You can easily change your LBB password by going to our home page at  Simply log into Online Banking using your current password, click on"My Settings" and update your password.  For Cash Management users, click on "Administration" and under "My Profile" you can update your password. 



Surveys indicate that a staggering number of internet users, choose simple passwords like: "PASSWORD" or "12345." Many others use easily discovered information, such as pet names, anniversary or birth dates. Experts recommend that secure passwords be a minimum of 8 characters long (some websites require even more), and that the strongest passwords use a complex combination of Letters, Numbers and Symbols.

If you have any questions, or need help changing your password, please call us at (360) 779-4567.


Winter 2013/2014 FDIC Consumer News

Be in charge of your credit cards - Tips for choosing them and using them...Read More.

Avoid Debit Problems with Credit Cards...Read More.

10 Ways to Protect Your Personal Information and Money...Read More.

Money and Banking Tips for the Tax Season...Read More.

Test Your Deposit Insurance IQ...Read More.

Do You Owe on a Home Equity Line?  Prepare for Rising Payments...Read More.



Report Phishing

The IRS does not initiate contact with taxpayers by email to request personal or financial information. This includes any type of electronic communication, such as text messages and social media more.


Fall 2013 FDIC Consumer News


Coming Soon: New Mortgage Rules Borrowers Should Know About
Aimed at preventing payment problems and home foreclosures


Attention mortgage shoppers: Important new rules are taking effect soon that will protect consumers from risky mortgages and help borrowers better manage a home more.



Protect Yourself From Mortgage Scams

Let’s say you are a homeowner in financial distress and at risk of losing your home. You may also have heard that the government is requiring mortgage servicers to mail offers of assistance to borrowers who are behind in their payments. Then, an official-looking letter arrives “guaranteeing” to save your home by accessing new kinds of “federal” more.



For More About Mortgages

The FDIC’s website has tips for picking a mortgage, FDIC Consumer News articles, and other information about home loans. Start at

The Consumer Financial Protection Bureau answers commonly asked questions at has additional tips on home ownership and mortgages. Start at



You’ve Been Turned Down for a Checking or Savings Account. Now What?


You go to a financial institution to open a checking or savings account and a representative says you aren’t eligible. Why? Because a report shows that an institution previously closed your checking account, perhaps because of unpaid more.


Getting Social With Your Bank
Some tips for using financial institutions’ social networking sites


Many people connect with friends, meet new people and interact with businesses on “social media” sites such as Facebook, Google+ and Twitter. Banks are also using social media to advertise their products and services, obtain feedback from consumers, and, in some cases, provide a gateway for customers to access their more.


Summer 2013 FDIC Consumer News


For Seniors: 15 Quick Tips for Protecting Your Finances


As many consumers get older, they often face issues such as how to maintain their lifestyle and pay for medical expenses on a fixed income for years into the future. Here are banking and other money-management tips for seniors to consider for their retirement more


How Older Adults Can Steer Clear of Scam Artists

Anyone can be a victim of financial fraud, but older adults are particularly at risk. Among the reasons: Scam artists and thieves know that many senior citizens have accumulated money and other assets throughout the years. Those who commit elder fraud range from loved ones — family members, friends or caregivers — to complete strangers. Here are practical tips on how to protect yourself or someone more.


Borrowing From Your Home in Retirement? Carefully Research the Benefits and Risks

For most homeowners, particularly retired Americans who have paid off or nearly paid off their mortgage, their house is a major part of their financial picture. Unfortunately, for retired homeowners who may have limited sources of income, the equity in their house may seem to be one of their only potential sources of additional money for everyday living expenses and more.


Tips for Seniors Wanting to Help Relatives


  • Be on guard against phone calls from con artists who target seniors. A common scam involves an imposter pretending to be a relative in trouble. (“My wallet was stolen” or “I’m in jail.”) These callers do enough homework to mention the name of the relative or other people the senior citizen knows. And by “crying,” it is difficult to recognize the more.


Key Facts About Your FDIC Insurance

Deposit insurance is especially important for older Americans who have worked hard over the years to accumulate savings. Here are some facts to remember.

Every depositor is protected for up to at least $250,000 if an FDIC-insured bank fails. The basic FDIC insurance coverage amount is $250,000 for each depositor at a bank; however, coverage may be higher based on how accounts are set up. For instance, at one bank, your combined deposits in single accounts (for one owner) are covered up to $250,000, and your share of any joint accounts (for two or more people) is separately protected up to an additional $250,000.

FDIC insurance protects only deposits. Insured deposits include all traditional bank accounts such as checking, savings and certificate of deposit (CD) accounts. While some non-deposit investment products — such as stocks, bonds, mutual funds, annuities (see For Seniors: 15 Quick Tips for Protecting Your Finances) and municipal securities — typically offer potentially greater returns than deposits, they are not FDIC-insured, even if they were sold through an insured bank. You may risk losing some or all of your investment.

The FDIC can answer all of your questions about deposit insurance coverage. For deposit insurance resources and more information about different ownership categories and qualifying for more than $250,000 in coverage, see For More Help or Information for Seniors and Families.



Spring 2013 FDIC Consumer News

In this issue:
-Protecting your credit and debit cards
-What to know if criminals disrupt a bank's internet services
-Using technology to remain financialy fit


Consumer Financial Protection Bureau

Elder Abuse Information

Federal Trade Commission, Identity Theft

FDIC Consumer News


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