NEW - Business and
Personal Credit Cards

We make it easy to choose the
credit card that is right for you.
Business
Personal

Apply Today!
Questions? Please call us at
1-360-779-4567

Scan, Submit, and Save

Convenient banking right
from your desktop with our 
Remote Deposit Capture.

Switch Kit

Moving to Liberty Bay Bank is
easy and convenient.

Was your card lost/stolen?

Call 1-360-779-4567 to
report your missing card.
info@libertybaybank.com

 

Business Products

Business Accounts:

Business Essential Checking

Premium Business Checking

Community Checking

Analysis Checking

Interest on Lawyer Trust Account (IOLTA)

Liberty Bay Money Market

Liberty Bay Savings

Certificate of Deposits 

 

Business Services:

Merchant Deposit Capture

Merchant Credit Card Processing

Cash Management

Small Business Online Banking

Courier Pick-up

Business Credit Card

Business Debit Card

Safe Deposit Box

 

 

Business Essential Checking

  • $100 minimum balance to open
  • $500 minimum average balance required to wiave monthly service fee
  • $5 monthly service fee
  • 200 FREE combined debit and credit items per month, then $0.45 per transaction
Additional Benefits:
  • FREE Small Business Online Banking with Bill Pay
  • E-Statements, check images & notices
  • Weekly courier pick-up available

 Back to Top

 


Premium Business Checking

  • $100 minimum balance to open
  • $2500 minimum average balance required to wiave monthly service fee
  • $10 monthly service fee
  • 500 FREE combined debit and credit items per month, then $0.45 per transaction
Additional Benefits:
  • FREE Small Business Online Banking with Bill Pay
  • E-Statements, check images & notices
  • Weekly courier pick-up available

Back to Top

 

 

 

 


Community Checking

  • Available to Non-Profit organizations only
  • Interest Bearing*, Tiered interest**
  • $100 minimum balance to open
  • $500 minimum average balance required to waive monthly service fee
  • $5 monthly service fee
  • 1000 FREE combined debit and credit items per month, then $0.45 per transaction
Additional Benefits:
  • FREE Small Business Online Banking with Bill Pay
  • E-Statements, check images & notices
  • Weekly courier pick-up available
  • Up to 5 FREE incoming wire transfers per month
  • Merchant Deposit Capture at a reduced monthly rate. Scanner provided at no cost for balances over $25,000.00
  • Credit Card Processing and equipment available, by request, for events (i.e. auctions, fundraisers, etc)
  • 1 FREE box of basic style checks per year
*Interest Bearing - At our discretion, we may change the interest rates for this account.
**Tiered Interest - Tiers 1 is $0.01 - $2,499.99, Tier 2 is $2,500.00 - $24,999.99, Tier 3 is $25,000.00 and up.
 
 
 
 
 
 

Analysis Checking

  • $100 minimum balance to open
  • $15 monthly service fee
  • $0.08 per deposited item
  • $0.12 per debit or credit
  • Earnings Credit* to be used to offset any fees
Additional Benefits:
  • FREE Small Business Online Banking with Bill Pay
  • E-Statements, check images, & notices
  • Weekly courier pick-up available
*Earnings Credit - the earnings credit is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward, or otherwise receive credit for any excess earnings credit. The earnings credit begins to accrue on the business day after you deposit noncash items (for example checks).
 
 
 
 
 
 

Interest on Lawyer Trust Account

  • No minimum balance to open
  • Interest Bearing*
  • No minimum balance requirements
  • 50 FREE combined transactions per month, then $0.45 per transaction
Addtional Benefits:
  • Up to 4 FREE Domestic wires per month (incoming or outgoing)
  • FREE Small Business Online Banking with Bill Pay
  • E-Statements, check images, & notices
*Interest Bearing - This account requires the distribution of interest and does not allow interest to remain in the account
 
 
 
 
 
 

Liberty Bay Money Market

  • $100 minimum deposit to open
  • Interest Bearing*, Tiered Rates**
  • $10,000 minimum average balance requirted to waive monthly service fee
  • $10 monthly service fee
  • Limitations on frequency of transfers***
Additional Benefits:
  • Unlimited deposits
  • Unlimited in-person withdrawals
  • FREE Online Banking with Bill Pay
  • E-Statements, check images, & notices
  • Other bank's ATM charges waived up to $10.00 per month when you use your Liberty Bay Bank debit card
*Interest Bearing - At our discretion, we may change the interest rates for this account.
**Tiered Rates - Tier 1 is $0.01 - $9,999.99, Tier 2 is $10,000.00 - $24,999.99, Tier 3 is $25,000 - $74,999.99,
Tier 4 is $75,000.00 - $149,999.99, Tier 5 is $150,000.00 and up.
***Limitations on frequency of transfers - During any monthly statement cycle, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than six of the transfers may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, you may be charged a fee of $5.00 per item (for each item over six) and your account may be subject to closure.
 
 
 
 
 
 

Liberty Bay Savings

  • $100 minmum deposit to open
  • Interest Bearing*
  • $500 minimum average balanced required to waive monthly service fee
  • $5 monthly service fee
  • Limitations on frequency of transfers**
Additional Benefits:
  • Unlimited deposits
  • Unlimited in-person withdrawals
  • FREE Online Banking with Bill Pay
  • E-Statements, check images, & notices
  • Other bank's ATM charges waived up to $10.00 per month
*Interest Bearing - At our discretion, we may change the interest rate for this account.
**Limitations on frequency of transfers - During any monthly statement cycle, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. If you exceed the transfer limitations set forth above in any statement period, you may be charged a fee of $5.00 per item (for each item over six) and your account may be subject to closure.
 
 
 
 
 
 
 

Merchant Deposit Capture

Deposit Checks without leaving the office!
Available exclusively for businesses, Merchant Deposit Capture is a revolutionary electronic check processing tool that allows you to make check deposits electronically without having to physically transport checks to the bank.
There are many benefits to Merchant Deposit Capture.
 
 
Improved Funds Availability
Typically, the funds from deposited checks are not available to your business until those checks have cleared, which can take anywhere from 2-5 business days. Merchant Deposit Capture speeds up this process by clearing out-of-state checks during the same or next business day.
 
Extended Deposit Timeframe
Deposits can be made beyond traditional banking hours and on weekends.
 
Reduced Risk Of Fraud
Accelerated check clearing reduces the risk of fraud. It allows return items to be identified sooner, thus enhancing the collection process.
 
Streamlined Operations
Clients can consolidate regional or nationwide deposits to a single account, thereby substantially reducing deposit collection costs. Consequently, physical transportation costs are dramatically reduced or eliminated entirely.
 
What You'll Need
To electronically collect your money and save time managing your business, you'll need two things - a basic PC with internet connectivity and a Merchant deposit scanner*.
Windows XP:
• Processor Speed: 600 MHz
• RAM: 512 MB of system memory
• Hard Disk Space: 200 MB free space
• Operating System: Windows XP (with Service Pack 3)
• Internet Browser: Internet Explorer 7.0 (Service Pack 3) or above
• USB: 2.0
• High Speed Internet Access: DSL or better preferred

Windows Vista Business Edition:
• Processor: 1 GHz 32-bit (x86)
• RAM: 2 GB of system memory
• Hard Disk Space: 200 MB free space
• Operating System: Vista Business Edition
• Internet Browser: Internet Explorer 8.0 or above
• USB: 2.0
• High Speed Internet Access: DSL or better preferred

Windows 7 Professional:
• Processor: 1.6 GHz 32-bit (x86)
• RAM: 2 GB of system memory
• Hard Disk Space: 200 MB free space
• Operating System: Windows 7 Professional
• Internet Browser: Internet Explorer 8.0 or above
• USB: 2.0
• High Speed Internet Access: DSL or better preferred
*Certified scanners may be purchased or rented through Liberty Bay Bank.

 
Back to Top
 
 
 

Merchant Credit Card Services

Liberty Bay Bank offers one of the best Merchant Processing programs available, backed by straight forward pricing and all of the information you need to succeed.

♦ FREE statement evaluation of your current provider.

♦ LOW rates

♦ No hidden costs and no surprises

♦ Affordable equipment

♦ Re-programming of your existing equipment on most models

Mobile Payment Solutions

 
 
 
 
 
 
 

Cash Management

We offer a sophisticated set of online tools that can be customized to suit any business, ensuring your cash balances are constantly working hard for you.
 

♦ Instant transaction originations

♦ Electronic Payments – Payroll, vendor, collections, etc

♦ Customized reports – complete cash and liability reporting

♦ Balance alerts – notification of balance and transactional events

♦ Fraud control – grant permissions to multi-users and approval limits

♦ Bill Payment & Presentment – pay bills online, ability to schedule single and recurring payments.

♦ Account Transfers – manage cash with the power to transfer funds between accounts of common ownership.

♦ Stop Payments – place online stop payments on a single or a range of checks.

♦ Sweeps – when a limit is reached, the system transfers money between the specified accounts and sends an alert.

♦ Wire Transfers – send same-day payments domestically or internationally via our wire transfer system.

♦ Quickbooks - export from the cash management system to your Quickbooks.

♦ Business Statements Online – statements can be viewed, printed or saved.

 

 
 
 

Small Business Online Banking

♦ Instant transaction originations

♦ Customized reports – complete cash and liability reporting

♦ Balance alerts – notification of balance and transactional events

♦ Bill Payment & Presentment – pay bills online, ability to schedule single and recurring payments.

♦ Account Transfers – manage cash with the power to transfer funds between accounts of common ownership.

♦ Stop Payments – place online stop payments on a single or a range of checks.

♦ Business Statements Online – statements can be viewed, printed or saved.

 
 
 
 
 
 
 

Courier Pick-up

Liberty Bay Bank offers qualified business clients our scheduled or on-call courier service. Hassle-free banking brought right to your door!
 
 
 
 
 
 
 
 

Business Credit Card

We make it easy to choose the credit card that is right for you. Our Business Visa® Card is available in two options, Standard Card with no annual fee or the Preferred Points Card.
 

Business Card – Standard Card

Benefits

  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection.


Features

  • No annual fee.
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual and summary billing options.


Fees

 

Business Card – Preferred Points

Benefits

  • Use your Preferred Points Card to earn points that you can redeem for rewards.
    Earn one point for each dollar spent, up to 10,000 points per month.
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection.


Features

  • Low annual fee of $49.00 per account.
  • Competitive ongoing APR.*
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
    Individual billing option only.

 

Fees

To Apply Now
Download Liberty Bay Bank's Business Credit Card PDF application.
Type the information and then print the application (you cannot save the document, so print an extra copy for yourself),
or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
Fax your completed application to the Card Service Center at 972-650-7054.

Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120
*Please see application for information about current APRs and fees.
Supporting Documents for Your Card Application
 
 
 
 
 
 
  Sole Proprietor Partnership Private Corporation Public Corporation Non-Profit
Application              ♦          ♦                 ♦                 ♦         ♦
Organizational Papers              ♦          ♦                 ♦                 ♦         ♦
Borrowing Resolution            ♦                 ♦                 ♦         ♦
Financial Statements            ♦                 ♦                 ♦         ♦
Personal Guaranty              ♦          ♦      
Personal Tax Returns              ♦          ♦                 ♦    
 
 
 
 
 
 
 

Business Debit Card

 
With the Visa® Business Debit Card, our business clients have the ability to make purchases without the hassle of carrying cash or a checkbook. Use this card everywhere Visa® is accepted.
 
 
 
 
 
 
 
 

Safe Deposit Box

 
Sizes
 
♦ 3 X 10
♦ 5 X 10
♦ 10 X 10
 
Call us for pricing and availability. To qualify you must have a Liberty Bay Bank account for automatic payments of rent.
 
 
 
For Email Marketing you can trust
Equal Housing Lender Member FDIC
Career Opportunities  |  Privacy Policy  |  Security  |  Sitemap