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Web Site Terms of Use

These Terms of Use set forth the terms and conditions that apply to your use of the Liberty Bank for Savings (Liberty Bank, we or us) Web site. Please read them carefully. By accessing this Web site, you agree to be bound by the terms and conditions below and changes which are periodically made without notice to the information contained in this site. The changes will be made by posting the most recent version to this site. If at any time, you do not agree to all the terms and conditions, do not access this site or any of its pages. You are authorized to view the information available on the Web site for your informational purposes only, and this information is not transferable to any other person or entity.

Copyrights and Trademarks

This Web site may contain certain names, graphics, logos, words or phrases which may be registered trademarks or service marks that identify Liberty Bank or other entities and the products or services provided through Liberty Bank. These marks and other information on this Web site are protected under the copyright laws of the United States and may not be used under any circumstances without prior written authorization of Liberty Bank or the owner(s) of such marks. The appearance of the registered trademarks and service marks on this Web site does not imply that a license has been granted.

Unless otherwise permitted, no person is authorized to use, copy, distribute, reproduce or republish in any form, any portion of the Web Site materials including related graphics.

All users may not be eligible for all the products and services offered by Liberty Bank for Savings. Your eligibility for particular products and services is subject to final determination by Liberty Bank for Savings.

Use of this web site shall be governed by all applicable Federal laws of the United States of America, international treaties, and the laws of the State of Illinois, not withstanding any principles of conflicts of law.


All users may not be eligible for every product and service offered by Liberty Bank. Your eligibility for particular products and services is subject to final determination by Liberty Bank. The information on our Web site is not intended to provide you with legal, tax or financial advice. You should contact your legal, tax or financial counsel for that advice.

Use of this web site is governed by all applicable Federal laws of the United States of America, international treaties, and the laws of the State of Illinois.

Links to Third-Party Websites

Liberty Bank may provide hyperlinks to third party Web sites as a convenience to users of the Web Site. Liberty Bank does not control third party Web sites and is not responsible for the contents of any linked-to third party Web sites or any hyperlink in a linked-to Web site. No hyperlink found on this Web site to any third party Web site constitutes or implies an endorsement, recommendation or approval by Liberty Bank of the Web site linked or the products or services described there. Such third party sites may have a privacy policy or terms of use policy different from that of Liberty Bank and the third party site may provide less security than the Liberty Bank web site. Liberty Bank has no liability to any individual or entity for the content available through such hyperlinks.

Accuracy of Content and Materials; No Representations or Warranties

The information and materials on the Web site may include technical inaccuracies or typographical errors. Although Liberty Bank routinely provides timely and accurate information which is believed to be reliable, Liberty Bank does not warrant that the content of this Web site is accurate, complete or timely.

Liberty Bank makes no representations or warranties with respect to any information, materials and graphics on its Web site. Such information, materials and graphics are provided on a strictly as is basis, without any warranty or condition of any kind, either express or implied, including all implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy or completeness.

Limitation of Liability

Under no circumstances will Liberty Bank or its agents be liable under any theory of recovery, at law or in equity, for any damages, including, without limitation, special, direct, incidental, consequential or punitive (including, but not limited to, loss of use or lost profits) arising out of, or any manner connected with, the use of information or services, or the failure to provide information or services from its Web site.

Email Submissions and Messages

Information submitted to Liberty Bank through this Web site is deemed to be the property of Liberty Bank and Liberty Bank shall be free to use, for any purpose, the submission itself or any ideas, concepts or techniques contained in the submission from any visitor to this Web site or provided to Liberty Bank through this Web site. Liberty Bank shall not be subject to any obligations of confidentiality regarding submitted information except as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Liberty Bank responsibilities and obligations to customers in accordance with the Liberty Bank Privacy Policy.

Messages that you send to Liberty Bank by email may not be secure. We request that you not send any confidential information to us by email. If you choose to send confidential information to Liberty Bank via e-mail, you accept the risk that a third party may intercept this information. Except as specifically agreed by us or required by law, we will not be responsible for any obligations of confidentiality or liability for losses or damages incurred as a result of confidential information you submit to us over the Internet. If we respond to you by email, nonpublic personal information such as account numbers or taxpayer identification numbers will not be included since we cannot ensure our response to you is secure.

Be aware that a “receipt” acknowledgment on an electronic mail message means only that the message has been routed into the Internet, not that the message has been received by us.

Changes to These Terms of Use

Liberty Bank reserves the right to change these Terms of Use at any time without notice or notification by posting revised Terms of Use at this Web site. You can send an e-mail to Liberty Bank for Savings with any questions relating to these Terms of Use by selecting Contact Us.

Additional Information

Additional information on these services and the corresponding accounts may be available in the terms and conditions for each respective service, the current Liberty Bank Account Terms and Conditions, current Schedule of Service Charges, and other disclosures provided at account opening and subsequently.

Closing an Account

Liberty Bank reserves the right to request notice of 2 business days before you may close an account accessible with your Liberty Bank Visa® Debit Card.


We may amend this Disclosure at any time. However we will give you at least 21 days’ notice if any amendment results in greater costs or liability to you or otherwise reduces access to your accounts, unless an immediate change in terms or conditions is necessary to maintain or restore the security of the system or your account(s). This notice will be sent to the most recent postal or e-mail address appearing on the records of the Bank.