Liberty BankChecking accountChecked Oct 10, 2026Updated Oct 10, 2026

Liberty BankSmart Account

$3.95monthly fee

A year for an everyday customer: −$47 fees and interest, $2,000 kept
To open: $25 to open
On our list: #451 of 986 checking accounts, by a year’s value for an everyday customer

Fees

Monthly fee: $3.95 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: Any one of these:
any account owner is 26 and under
65 and over
Source · checked Oct 10, 2026
Minimum to open: $25Source · checked Oct 10, 2026
Overdraft fee: $35Source · checked Oct 10, 2026
Returned item (NSF) fee: NoneSource · checked Oct 10, 2026
Most overdraft fees in a day: 5Source · checked Oct 10, 2026
Out-of-network ATM fee: $1.50Source · checked Oct 10, 2026
Foreign transaction fee (debit card): 3%Source · checked Oct 10, 2026
Incoming domestic wire: $10Source · checked Oct 10, 2026
Outgoing domestic wire: $20Source · checked Oct 10, 2026
Incoming international wire: $10Source · checked Oct 10, 2026
Outgoing international wire: $45Source · checked Oct 10, 2026
Paper statements: $2 a monthSource · checked Oct 10, 2026
Cashier’s check: $5Source · checked Oct 10, 2026
Stop payment: $25Source · checked Oct 10, 2026
Card replacement: $10Source · checked Oct 10, 2026

Contactless cardDebit cardMobile walletNo minimum balanceNo overdraft feesOnline openingSpending alerts

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees