Personal Checking Choose your checking rewards Retirement Savings

The core of you banking experience is your checking account. It needs to fit your lifestyle, giving you the latest conveniences with the best service. Whether you are looking to start a new checking account or switch banks, Liberty First has what you are looking for with a variety of accounts from Kasasa® Checking with Rewards to Free or 50 Plus Lifestyle Checking.

All of our Personal Checking accounts come with free online banking and bill pay*, free e-statements, free mobile and telephone banking, a free MasterCard® Check Card and unlimited check writing.

 

  Kasasa Cash® Kasasa Tunes® Free 50+ Lifestyle
Free Initial MasterCard® Debit Card
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No Monthly Service Fee
Earns Interest    
Earns Google Play, iTunes and ApplePay Rewards      
Free Cashier Checks, Money Orders and Travel Money Card      
Minimum Initial Balance $50, no required balance to maintain account $50, no required balance to maintain account $50, no required balance to maintain account $50, no required balance to maintain account
Statements Electronic Electronic Paper or Electronic Paper or Electronic
ATMs Reimbursed $15 a month in foreign ATM fees Reimbursed $15 a month in foreign ATM fees 3 free foreign ATM transactions a month with Direct Deposit 3 free foreign ATM transactions a month with Direct Deposit
Additional Options to add to your Checking account
ID Protect®
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Overdraft Coverage Available
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Executive Package Add On Option
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With Kasasa Cash®, you’ll earn rates higher than the national average. Plus, get up to $15 a month in refunds on ATM fees – whether you’re in Lincoln or anywhere else in the country.

Account Benefits:

  • 4.00% APY* on balances up to $40,000
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM fees nationwide (up to $15 monthly)*
  • Can link to high-interest Kasasa Saver® account
  • No minimum balance to earn rewards 
  • No monthly service fee
  • Free Online Access and Bill Pay
  • Free eStatements 
  • Free Mastercard® Debit Card
  • $50 minimum deposit to open

Earning Rewards is Easy.

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash® account each monthly qualification cycle:

  • Have at least 12 signature based debit card purchases post and settle
  • Be enrolled and log into Online Access
  • Be enrolled and receive eStatements  
  • Have at least one (1) net direct deposit or ACH transaction post and settle

If you don’t qualify for your rewards for the month, there’s no penalty fee. Your Kasasa® checking account is always free, and you can get back to earning your rewards the very next month. You can view the Qualification and Statement Cycles here.

Be in the know with how EMV transactions will count towards your signature based debit card qualification. Visit the "Using Your Card at a Merchant Terminal" section on our debit card page.

Open a Free Kasasa Cash® Checking Only Now

Add a free Kasasa Saver® to your free Kasasa Cash® checking account. Your monthly Kasasa Cash® rewards will automatically transfer to your Kasasa Saver® account each month to earn even more. Kasasa Saver® earns dividends on balances up to $100,000!

Open a Free Kasasa Cash® Checking with Kasasa Saver Now

*APY=Annual Percentage Yield. APYs accurate as of 12/01/2018. Rates may change after account is opened. Minimum to open is $50 for Kasasa. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $15 and credited to account on the last day of monthly statement cycle; (2) balances up to $40,000 receive APY of 4.00%; and (3) balances over $40,000 earn 0.15% interest rate on the portion of the balance over $40,000, resulting in 4.00% - 1.25% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle and do not compound. Actual dividend amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. ATM Receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Transfers between accounts do not count as qualifying transactions. PIN based transactions do not count towards qualifying debit card transactions. Limit one account per SSN.

*A Bill Pay non-usage fee of $4.95 per month will be charged after 2 months of non-use.

Earn rewards towards movies, music, apps, and more. With Kasasa Tunes®, you’ll get reimbursed for your iTunes®, Google Play® and Amazon® purchases monthly. All it takes is a few banking basics you’re probably already doing.

Your Kasasa Tunes® checking account is always free, and we’ll even refund your ATM fees nationwide.*

Account Benefits:

  • $5.00 in iTunes®, Google Play® or Amazon® purchases reimbursed monthly* 
  • Earn $10.00 in the first 30 days*
  • Refunds on ATM fees nationwide (up to $15 monthly)*
  • No minimum balance to earn rewards 
  • No monthly service fee
  • Free Online Access and Bill Pay
  • Free eStatements 
  • Free Mastercard® Debit Card
  • $50 minimum deposit to open

Earning Rewards is Easy.

To earn your rewards, simply do the following activities and transactions in your Kasasa Tunes® account each monthly qualification cycle:

  • Have at least 12 signature based debit card purchases post and settle
  • Be enrolled and log into Online Access
  • Be enrolled and receive eStatements  
  • Have at least one (1) net direct deposit or ACH transaction post and settle

If you don’t qualify for your rewards for the month, there’s no penalty fee. Your Kasasa checking account is always free, and you can get back to earning your rewards the very next month. You can view the Qualification and Statement Cycles here.

Be in the know with how EMV transactions will count towards your signature based debit card qualification. Visit the "Using Your Card at a Merchant Terminal" section on our debit card page.

Open a Free Kasasa Tunes® Checking Account Now

*Minimum to open is $50. You will be refunded up to $10 for iTunes®, Google Play® and/or Amazon.com® purchases that post to and settle account during the first 30 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $5 in refunds of iTunes and/or Amazon.com purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Kasasa Tunes account. Qualifying transactions must post to and settle the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $15 if qualifications are met within monthly qualification cycle. iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Transfers between accounts do not count as qualifying transactions. PIN based transactions do not count towards qualifying debit card transactions. Limit one account per SSN.

*A Bill Pay non-usage fee of $4.95 per month will be charged after 2 months of non-use.
 

A no cost checking account that includes unlimited check writing.

  • Minimum Deposit. The minimum deposit to open this account is $50.00
  • Minimum Balance. There is no minimum balance requirement for this account
  • Fees and Charges. This account has no monthly maintenance or activity charge
  • Select duplicate checks for easy record keeping
  • Rate Information. This account earns no dividends
  • 3 free foreign ATM transactions with Direct Deposit

(If you use Overdraft Privilege to cover insufficient funds items, Liberty First Credit Union’s fee of $35.00 will apply to each item.)

Open a Free Checking Account Now

*A Bill Pay non-usage fee of $4.95 per month will be charged after 2 months of non-use.

A free checking account available to members age 50+. This account pays dividends starting with a balance of $500 and offers limited check styles free of charge. 

  • Minimum Deposit $50
  • Statement Options: Both E-Statements and Paper Statements are free with this account.
  • Free Cashier Checks, Money Orders and No Fee Travel Money Card
  • 3 Free Foreign ATM Transactions with Direct Deposit
  • You must be at least 50 years of age.

Open a 50 Plus Lifestyle Checking Account Now

*A Bill Pay non-usage fee of $4.95 per month will be charged after 2 months of non-use.