Education Center

Bank when you want. Bank how you want. Our banking services are designed to be mobile, easy to find, and easy to use. Jump to one of our tutorials and learn more on how to spend, send, access, and protect your money.

Online Banking

Online Banking is our online service that allows you to access your account information 24 hours a day, 7 days a week. Using Online Banking, you can:

View real-time account balances, check images and history
24-hour access to checking, loans and CDs
Export history to financial software or spreadsheets
Transfer funds between accounts
Pay bills online
Request stop payments

What do I need to bank online?
What types of accounts can I view with online banking?
How often is my account information updated?
How secure is my personal account information?
Why am I signed off sometimes and I have to sign in again?
Can I pay my bills using online banking?

Yes. You can make payments to anyone in the United States from the utility company to the local babysitter. You may schedule payments to be made immediately or on a specified date in the future. You can even set up recurring payments so you do not have to worry about paying your regular bills. Recurring payments can be set up weekly, semi-monthly or monthly. Bill Pay eliminates the need for writing checks or addressing envelopes. More importantly, it saves you time and simplifies your busy life. (Fees may apply)
What type of account is required for bill pay?
May I pay bills from more than one checking account?
How far in advance should I set up a payment to ensure it is paid on time?
Can I transfer funds between my accounts?
Do I need extra software or hardware to use online banking?
Will online banking work with my current internet service provider?
Can I access my accounts from both home and work?

Mobile Banking

If you have an iPhone^® or Android™ smart phone, simply download the application. Then, log in. You’ll key in the amount of the deposit, and take a picture of the front and back of the check. That’s it! Within seconds of uploading the transaction, you’ll receive a confirmation that the deposit was received successfully.

Mobile Deposit

What types of checks can be processed through mobile deposit?
How secure is mobile deposit?
When can electronic deposits be issued to the financial institution?
When will deposits be posted into my account?
What should I do with the original paper checks after deposits are made?
How do I prevent checks from being scanned and deposited twice?
How do I know the image quality is acceptable?

Contactless Debit Cards

Make faster, safer transactions with the latest contactless debit card chip technology. There’s no need to insert your card in the terminal and wait – just tap your card within 1-2 inches of the contactless symbol to pay in seconds. Plus, all chip and contactless transactions get a unique encrypted code that is virtually impossible to counterfeit!

Of course, if the merchant you are visiting doesn’t have a contactless terminal. No problem. You can still insert or swipe your card.

Touch ID/Face ID

Mobile Locations

Bill Pay

Pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.

Pay all of your bills at the Payment Center. You can also see a summary of your recent and pending payments.
Receive some of your bills online. You can view and pay these bills at the Payment Center.
Set up automatic payments to pay your electronic bills or to automatically schedule payments of a set amount at regular intervals.
Review your bills and payments for the past 24 months.

How does it work?
To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills. After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you’ve added. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar. Pay as many bills as you want at the same time from the Payment Center.

After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.
- Pending Payments: Provide a quick summary of the payments that have not yet been processed.
- Recent Payments: Provide a list of bills that have been paid in the past 45 days.
You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant. If you can’t find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past 24 months, including electronic bills and the bills that you pay automatically.
How secure is my bill payment and personal information?
We use several methods to ensure that your information is secure.
- SSL—Secure Sockets Layer ensures that your connection and information are secure from outside inspection.
- Encryption—128-bit encryption makes your information unreadable as it passes over the Internet.
- Automatic Sign Out—Automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks.
Which browser should I use?
For best performance, we recommend you use one of the following supported browsers:
- Microsoft Internet Explorer 9, 10 or 11 (Windows 8, Windows Vista, and Windows 7)
- Firefox 3.6 (Windows 8, Windows Vista, and Windows 7)
- Apple Safari 5 (OS X 10.5 and 10.6)
- Chrome 8 (Windows 8, Windows Vista, and Windows 7)
While other browsers may work, these supported browsers provide the highest level of security, accuracy, and functionality. We also recommend that you enable JavaScript in your browser. JavaScript is required for certain features to function properly.
Can I use assistive technology for access?
Yes, we’ve incorporated several enhancements based on priorities one and two of the World Wide Web Consortium’s Web Content Accessibility Guidelines. These enhancements aim to make our bill pay solution more accessible to assistive technology users.

The following features may help you navigate more easily:
- Skip to Main Content Links—These links allow you to skip the page banner and the redundant navigation links and go directly to the main page content.
- Link Titles—If a link opens a new window, you are alerted in the link title. Most of the links have descriptive labels, but we provide additional information in the link title if necessary. For this reason, we recommend that you set your screen reader to read the link title attributes.
- Table Summaries—Whenever information is presented in a table format, we provide a brief description of the contents.
- Font Sizes—The fonts can be resized without significantly changing the layout of a page.

One-Time Passcodes

One-time passcodes are a two-factor authentication security challenge that integrate stronger cybersecurity protections to detect fraud, while ensuring you have a positive online banking experience.

Every time you log into Online Banking, one-time passcodes not only confirms your credentials (i.e. user name and password) but also the device you are using. If the system detects a new device or suspicious activity, you may be asked to further verify your identity via a one-time passcode sent to your phone. Your enrollment in this new security feature is required. View video to learn more.

How do I set it up?

When you log into your Online Banking account through our website or Mobile Banking app, you will be asked to set up your phone number and choose your preferred delivery method – text message or phone call.

You will then receive a text message or phone call containing a one-time passcode. Enter this passcode during login to complete your phone number verification. Once entered, you will be logged into Online Banking.
How will it work in the future?

This new security feature will replace the Security Challenge Questions and will only be activated if it detects a login attempt that falls outside of how you typically log in.

When this happens, you will be prompted to enter a one-time passcode during login. The one-time passcode will be sent to the phone number you set up previously using your preferred delivery method. Simply enter the one-time passcode to complete your login.
What are the main benefits?
- No need to memorize your new one-time passcode – each code you receive is unique.
- For easy access, the one-time passcodes are sent directly to your mobile or home phone.
- Your account is more secure.
Can I have the system always require the passcode?
What happens if I don't have a phone on file or it is incorrect?

eStatements

eStatements are an electronic copy of your statement. It’s a quick and easy way to receive and store your monthly statement using your access through online banking.

Enroll Today

How do eStatements work?
Will I continue to get a paper statement through the mail?
How safe is my statement online?
When will I receive my online statement?
How much history will I have access to?
Can I save my eStatements?

Fraud Text Alerts

Real-Time Account Alerts

Enjoy the peace of mind of always knowing exactly what’s happening with your money.

Real-Time Account Alerts inform you the moment something important happens in your Liberty Bank accounts by instantly sending a message via text*, email, or via push notifications from our Mobile Banking app. No logging in required. Urgent balance threshold or loan payments alerts also include the ability to transfer money instantly, right from the alert.

*Text and data rates may apply from your services provider.

Why set up real-time Account Alerts?

Real-time Account Alerts keep you informed about any change to your accounts and help spot suspicious activity. They’re available for Liberty Bank transactional accounts (checking, savings, mortgage and safe deposit boxes). Urgent balance threshold or loan payments alerts even include the ability to transfer money instantly, right from the alert. They are also completely customizable, so you can pick and choose the alerts you want.
Which accounts include real-time Account Alerts?
How can I receive real-time Account Alerts?

Alerts are sent instantly using any of the delivery channels you choose:

Text Messages

One of the easiest ways to receive real-time Account Alerts is through text messages on your smartphone* or wearable device.

Email

Receive email messages about your account activity.

Online Banking Message Center

View your alerts every time you log in to Online Banking.

Mobile Banking App

Receive push notifications on your smartphone. Activate these alerts right from our Mobile Banking app.
What real-time Account Alerts are available?
Choose from dozens of alerts, such as:
- Security Alerts
  - Name was changed
  - Address was changed
  - Phone number was changed
  - Email address was changed
  - Security question was changed
  - Online Banking password was changed
  - Invalid login attempt
  - Online Banking login
  - Online Banking login was locked
  - Temporary password expired
  - eStatement enrollment settings change
- Balance Alerts
  - Account balance above threshold
  - Account balance below threshold
  - Account overdrawn
- Transaction Alerts
  - Check cleared
  - Check returned
  - Checking deposit
  - Recurring checking deposit
  - Debit card transaction posted
  - Savings deposit
  - Recurring savings deposit
  - Payment posted to loan
- Account Alerts
  - Loan payment due at billing
  - Loan is past due
  - Safe deposit box rent is due
  - Safe deposit box rent is past due
- Transfer Alerts
  - Transfer failed
Which real-time Account Alerts are automatically set up?
How do I set up real-time Account Alerts in Online Banking?
1. Log into Online Banking. Click “Manage Alerts” on home screen or select “Alerts” in top right hand corner.
2. Click “Contact Options” to activate alert contact methods (Email, Text, App Notifications).
3. Click “Alert Options” and then select a category (Security, Balance, Transaction, Transfers, ATM/Debit Card, Other) to view the list of available alerts.
4. Add as many alerts as you wish to receive, for as many accounts as you like!
How do I set up real-time Account Alerts in the Mobile Banking app?
1. Click “Manage Alerts” Quick Link. Or select “More,” then “Alerts.”
2. Turn on “Push Notifications.”
3. Click “Manage Delivery” to activate alert contact methods (Email, Text).
4. Then, select an alert category (Account, Security or Scheduled Alerts) to view the list of available alerts.
5. Add as many alerts as you wish to receive, for as many accounts as you like!

Zelle^®

Zelle^® is a fast, safe and free¹ way to send money to friends and family.

It is available right from your online and mobile banking account and conveniently located in the same place where you pay your bills.

It is easy to get started. Simply log in to your online banking account or mobile banking app and enroll in Bill Pay. Once your account is verified, return to Bill Pay and select the “Send Money With Zelle^®” tab.

To learn more, view the video tutorial at right or click here.

¹ U.S. checking account required to use Zelle^®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Mobile network carrier fees may apply.