Get greater than the average bank.
Earn 50X** more interest than the national average with Liberty Checking—our free checking account with easy online banking, ATM fee refunds, overdraft protection and more.
How to Earn High-Interest Checking
To enjoy high-earning benefits, simply meet these qualifications each month:
Make at least ten NavyArmy debit card purchases
Have one direct deposit or authorize one automatic payment post from your account
Enroll and receive electronic statements with a valid email address
*Must meet monthly qualifications to receive high-interest rate. The rate applies to balances of $0.01-$25,000 when qualifications are met. Amounts over the $25,000 will be calculated using a lower Annual Percentage Yield. See How to Earn High Interest Checking for qualifications. When qualifications are met, ATM Fee Refunds of $4.99 or less will automatically be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00+ will be reimbursed if requested; an ATM receipt may be required. Rate is subject to change. Minimum deposit of $20.00 to open the account. Fees, such as Insufficient Funds or Account Inactivity, could reduce monthly earnings. Click here for a list of fees.
**Based on rates as of August 14, 2022.
Rates are subject to change. National average based on the weekly national rate caps updated on the FDIC (Federal Deposit Insurance Corporation) website. Updates can be viewed by clicking here. Rates are based on a simple average of banks for which data is available. Credit union deposit rates are not included in the national average.
***Must opt-in to Courtesy Pay to qualify for coverage.