NO FRILLS PERSONALIZED CHECKING ACCOUNT

  Unlimited checks and deposits with no minimum balance.

A minimum deposit of $100.00 to open this account. Available for personal accounts only.

Checks are truncated ; we request you use duplicate checks.  A $15.00 closing fee on accounts closed within 60 days of opening.

GOLDEN BELL (BANCLUB) ACCOUNT

Our exclusive customized banking package not found in ordinary checking accounts.  Included in the package is accidental insurance, travel discounts, shopper discounts, free personalized wallet checks, and more.

 A club fee of $7.00 (Basic Plan); $8.00 (Personal Plan); $9.00 (Family Plan) will be charged each statement cycle.  A $15.00 closing fee on accounts closed within 60 days of opening. 

FREEDOM 55 (55 or better)

Unlimited check writing with no minimum balance

A minimum deposit of $100.00 to open this account and at least 55 years of age.

No monthly maintenance fee or per item fee. A $15.00 closing fee on accounts closed within 60 days of opening.

FREEDOM 55 PLUS (Sr. Citizen-55 or better)

Interest bearing checking. Unlimited checks and deposits

A minimum deposit of  $500.00 to open this account and be at least 55 years of age.

A balance fee of $10.00 will be imposed every statement cycle unless you maintain a minimum daily balance of $500.00. A $15.00 closing fee on accounts closed within 60 days of opening.

Your interest rate and annual percentage yield may change at any time at our discretion.  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive     credit for the noncash items (for example, checks). Interest is compounded monthly.

Free personalized wallet checks; Free cashier’s checks; Free traveler card; Free online bill payment

LIBERTY BASIC CHECKING ACCOUNT

No service charge if you maintain a $500.00 minimum balance

A balance fee of $6.00 will be imposed every statement cycle unless you maintain a minimum daily balance of $500.00. A $15.00 closing fee on accounts closed within 60 days of opening.

EFFICIENCY ACCOUNT

No minimum balance after opening - $0.20 per debit

$3.00 monthly service charge, $0.20 per debit, A $15.00 closing fee on accounts closed within 60 days of opening.

SAVINGS

$100.00 minimum balance to avoid  no monthly service charge – 6 withdrawals allowed per quarter, then $1.00 per withdrawal – available to all

This account is an interest bearing account. The interest rate and annual percentage yield may change at any time at our discretion.  Interest is compounded daily and credited to your account every quarter.  You must maintain a minimum daily balance of $100.00 to obtain the disclosed annual percentage yield.  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).

A fee of $2.00 will be imposed every quarter if the balance falls below $100.00 any day of the quarter.  A $15.00 closing fee on accounts closed within 60 days of opening.

LIBERTY CHOICE (Now) ACCOUNT

Interest Bearing Checking – $500 minimum opening balance- unlimited checks and deposits

Your interest rate and annual percentage yield may change at any time at our discretion.  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue no later than the business day we receive credit for the noncash items (for example, checks). Interest is compounded monthly.

A balance fee of $10.00 will be imposed every statement cycle unless you maintain a minimum daily balance of $500.00 for the monthly cycle.  A $15.00 closing fee on accounts closed within 60 days of opening.

LIBERTY PLUS (Super Now) ACCOUNT

Interest Bearing Checking - $1000.00 minimum opening balance-unlimited checks and deposits

Your interest rate and annual percentage yield may change at any time at our discretion.  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue no later than the business day we receive credit for the noncash items (for example, checks). Interest is compounded monthly.

A balance fee of $10.00 will be imposed every statement cycle unless you maintain either a minimum daily balance of $1,000.00 for the monthly cycle.  A $15.00 closing fee on accounts closed within 60 days of opening.

LIBERTY PREMIUM (Money Market) ACCOUNT

Limited checking  -  earns higher rate of  interest - $1000.00 minimum opening balance

Your interest rate and annual percentage yield may change at any time at our discretion. We use the daily balance method to calculate the interest on your account.  The method applies a daily periodic rate to the principal in the account each day.  Interest will be compounded monthly and credited to your account every month. Interest begins to accrue no later than the business day we receive credit for the noncash items (for example, checks)

A minimum deposit of $1000.00 to open this account.  Transfers from this account to another account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft, or similar order to third parties,  are limited to six per monthly statement cycle or similar period.

An excess withdrawal fee of $5.00 will be charged for each excess of the limitations described above during a statement cycle.  A balance fee of $10.00 will be imposed every statement cycle unless you maintain a minimum daily balance of $1000.00 for the monthly statement cycle. A $15.00 closing fee on accounts closed within 60 days of opening.

 PREMIUM PLUS  (Money Market) ACCOUNT

Limited checking  -  earns highest rate of  interest - $25,000.00 minimum opening balance

Your interest rate and annual percentage yield may change at any time at our discretion. We use the daily balance method to calculate the interest on your account.  The method applies a daily periodic rate to the principal in the account each day.  Interest will be compounded monthly and credited to your account every month. Interest begins to accrue no later than the business day we receive credit for the noncash items (for example, checks)

A minimum deposit of $25,000.00 to open this account.  Transfers from this account to another account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft, or similar order to third parties, are limited to six per monthly statement cycle or similar period.

An excess withdrawal fee of $5.00 will be charged for each excess of the limitations described above during a statement cycle.  A balance fee of $10.00 will be imposed every statement cycle unless you maintain a minimum daily balance of $1000.00 for the monthly statement cycle. A $15.00 closing fee on accounts closed within 60 days of opening.

COMMERCIAL CHECKING ACCOUNT

Monthly maintenance fee of $7.00 – each paid check $0.10- credit allowance of $0.20 per  $100.00 average ledger balance -  Certain commercial accounts may be subject to  account  analysis.  A $15.00 closing fee on accounts closed within 60 days of opening.

COMMERCIAL INTEREST CHECKING ACCOUNT

Interest bearing checking - $500.00 minimum opening

Your interest rate and annual percentage yield may change at any time at our discretion. We use the daily balance method to calculate the interest on your account.  The method applies a daily periodic rate to the principal in the account each day.  Interest will be compounded monthly and credited to your account every month. Interest begins to accrue no later than the business day we receive credit for the noncash items (for example, checks)

Monthly maintenance fee of $10.00 – additional charge of $5.00 if monthly low balance falls below $500.00. Maintenance fee and additional charge waived if average ledger balance is $7500.00 or above.  Per item fee $0.10 after 30 checks – Certain commercial accounts may be subject to account analysis.  A $15.00 closing fee on accounts closed within 60 days of opening.

COMMERCIAL MONEY MARKET ACCOUNT

Limited checking – earns higher rate of interest - $1000.00 minimum opening balance

Your interest rate and annual percentage yield may change at any time at our discretion. We use the daily balance method to calculate the interest on your account.  The method applies a daily periodic rate to the principal in the account each day.  Interest will be compounded monthly and credited to your account every month. Interest begins to accrue no later than the business day we receive credit for the noncash items (for example, checks)

A minimum deposit of $1000.00 to open this account.  Transfers from this account to another account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft, or similar order to third parties, are limited to six per monthly statement cycle or similar period.                         

An excess withdrawal fee of $5.00 will be charged for each excess of the limitations described above during a statement cycle.  A balance fee of $10.00 will be imposed every statement cycle unless you maintain a minimum daily balance of $1000.00 for the monthly statement cycle.  A $15.00 closing fee on accounts closed within 60 days of opening.

COMMERCIAL PLUS MONEY MARKET ACCOUNT

Limited checking – earns highest  rate of interest - $25,000.00 minimum opening balance

Your interest rate and annual percentage yield may change at any time at our discretion. We use the daily balance method to calculate the interest on your account.  The method applies a daily periodic rate to the principal in the account each day.  Interest will be compounded monthly and credited to your account every month. Interest begins to accrue no later than the business day we receive credit for the noncash items (for example, checks)

A minimum deposit of $25,000.00 to open this account.  Transfers from this account to another account or to third parties by preauthorized, automatic, or telephone transfer or by check, draft, or similar order to third parties, are limited to six per monthly statement cycle or similar period.                        

An excess withdrawal fee of $5.00 will be charged for each excess of the limitations described above during a statement cycle.  A balance fee of $10.00 will be imposed every statement cycle unless you maintain  a minimum daily balance of $1000.00 for the monthly statement cycle.  A $15.00 closing fee on accounts closed within 60 days of opening.

No minimum balance required after opening - Unlimited check writing

No monthly maintenance fee or per item fee.  A $15.00 closing fee on accounts closed within 60 days of opening.

CHRISTMAS CLUB ACCOUNT

Minimum deposit of $2.00  - Account will mature in 50 weeks

A Liberty National Bank checking account is required.

This account will automatically renew after maturity.  Any withdrawal made from this account before maturity will close this account.

903-784-8575

A connection to the information you need most.  With Xpress Banking you can quickly and easily:

Make account balance inquiries

Determine the last five transactions on your account

Verify social security deposits as well as other ACH or ATM transactions

Check  CD and Money Market Rates

Verify interest paid on loans and interest earned on interest bearing accounts during tax time

Customer Personal Identification Number (PIN) needed for information access.

ONLINE BANKING

No charge for 24 hour online access. Optional FREE Bill payment  available.

OTHER PRODUCTS AND SERVICES

SAFE DEPOSIT BOXES

ATM CARD

VISA CHECK CARD & TRAVEL CARD

VISA / MASTERCARD MERCHANT SET UP

ACCOUNT SWEEP TO PREVENT NSF

IMAGE STATEMENTS

DIRECT DEPOSITS