Liberty Bay Bank - Site - Personal Products

Consumer Accounts:

Essential Checking

Liberty Bay Checking

Essential Plus Checking

Student Checking

Liberty Bay Money Market

Liberty Bay Savings

Certificate of Deposit

Consumer Services:

FREE Online Banking with Bill Pay

Essential Checking

$100 minimum opening deposit
$100 minimum average balance required or have a direct deposit to waive monthly service fee
$5 monthly service fee
Unlimited transactions

Additional Benefits:

Other domestic bank's ATM fees are waived when you use your Liberty Bay Bank debit card
FREE Online Banking with Bill Pay
E-Statements, check images, & notices

Liberty Bay Checking

$100 minimum opening deposit
$5,000 minimum average balance to waive monthly service fee
$10 monthly service fee
Interest Bearing*, Tiered Rates**
Unlimited transactions

Addtional Benefits:

FREE Online Banking with Bill Pay
E-Statements, check images, & notices

Other domestic bank's ATM fees are waived when you use your Liberty Bay Bank debit card

*Interest Bearing - At our discretion, we may change the interest rate for this account.

**Tiered Rate - Tier 1 is $.01 - $4,999.99, Tier 2 is $5,000.00 - $9,999.99, Tier 3 is $10,000.00 - $24,999.99,

Tier 4 is $25,000.00 and up.

Essential Plus Checking

For indivduals that are at least 55 years of age
$100 minimum balance to open
No minimum balance requirement
Unlimited check writing

Additional Benefits:

Unlimited deposits
Two FREE boxes of basic style checks per year
FREE Online Banking with Bill Pay
E-Statements, checks images, & notices

Other domestic bank's ATM fees are waived when you use your Liberty Bay Bank debit card

Student Checking

For full-time students ages 16 or older*
$100 minimum opening deposit
No minimum balance requirements
Unlimited check writing

Addtional Benefits:

Unlimited deposits
FREE Online Banking with Bill Pay
E-Statements, check images & notices

Other domestic bank's ATM fees are waived when you use your Liberty Bay Bank debit card

*For students under 18, a parent or guardian must qualify for a checking account and must be

responsible for the account as a joint owner.

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 domestic bank's ATM fees are waived 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 domestic bank's ATM fees are waived when you use your Liberty Bay Bank debit card

*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.

Online Banking

Online Banking gives our clients access to their accounts 24/7. Up to the minute balance reporting, same day transfers, and pay your bills all from one easy system.

Personal Debit Card

Liberty Bay Bank offers our clients the purchasing power of the Visa® Debit Card. Forget your checkbook, that's okay, just use your debit card everywhere Visa® is accepted. When you use your Liberty Bay Bank Debit Card at another domestic bank's ATM, we'll credit you back their ATM fee.

Personal Credit Card

At Liberty Bay Bank, we make it easy to choose the credit card that is right for you, with three cards to choose from.
All three cards are available in two options, Low Rate Card or Preferred Points Card.

Visa® Classic
Visa® Platinum
Gold MasterCard®

Personal Card – Low Rate

Benefits

Competitive annual percentage rate (APR).*
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.
Unlike some card offers, the APR* for purchases and cash advances is the same.
We do not charge a higher rate for cash advances.

Features

No annual fee.
Low introductory rate for the first six months.*
Competitive ongoing APR.*
25-day interest-free grace period on all purchases. No grace period on cash advances.

Fees

Other fees may be charged, these fees are listed on the downloadable application.

Personal 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.
Unlike some card offers, the APR* for purchases and cash advances is the same.
We do not charge a higher rate for cash advances.

Features

No annual fee.
Low introductory rate for the first six months.*
Competitive ongoing APR.*
25-day interest-free grace period on all purchases. No grace period on cash advances.
Cash advances can be made for up to 50% of the credit line.
To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.

Fees

Other fees may be charged, these fees are listed on the downloadable application.

To Apply Now

Download Liberty Bay Bank's Personal 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.

Overdraft Protection

Because we all can make mistakes, Liberty Bay Bank has the solutions! We'll help you find the right protection for your needs.

Safe Deposit Box

Sizes

3 X 10

5 X 10

10 X 10

Call us for pricing and availability. You must have a Liberty Bay Bank account for automatic payments of rent.