Last year, Liberty Financial returned more than $8.2 million to our members through checking accounts alone!

Liberty Financial returned more than $8.2 million through checking accounts in 2020. This is a 48% increase over our 2019 total.

Vertical Checking

What our members are saying about Vertical Checking

"I love the interest you gain from this account, as well as the ATM fees being returned to you. No other bank or credit union can beat Vertical Checking, and that makes it a pretty awesome account."

Audree N. ★★★★★

"I love the realtime features, Vertical Checking earnings each month, and the reimbursement of ATM fees! This is the first checking account that I have had that has an app where you can bank efficiently and not have to worry about issues."

Amy G. ★★★★★

"The dividend is top notch! I’ve told all of my friends about Vertical Checking, and they didn’t believe me until they checked out the website. Also, the free ATMs are a nice addition."

Kevin Z. ★★★★★

"I love the convenience of the ATM network. There are no hidden fees, and I feel that my money pays back with the awesome monthly dividends I earn. It’s like a bonus each month of the year!"

Jared D. ★★★★★

Only Vertical Checking and Platinum Rewards Checking offer all of these exciting benefits:

Great Rates and Rewards

Free ATMs Anywhere

No Minimum Balance

No Monthly Service Fee

Account Access

What our members are saying about Platinum Rewards Checking

"I have used many banks and other credit unions before, and I have never been happier then I am with my Platinum Rewards checking account. I love the fact that you can earn reward points…. It comes in very handy. It’s like free cash!"

Cathy B. ★★★★★

"I love that I get reimbursed for my ATM fees, and that I can use my reward points for cash back that is deposited right into my Platinum checking account!"

Jack S. ★★★★★

Vertical Checking

Earn 3.30% APY—Plus
FREE ATMs Anywhere!
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  • Earn 3.30% APY
  • FREE ATMs anywhere worldwide
  • Cutting-edge online and mobile banking
  • No minimum balance
  • No monthly service fees

Enjoy 3.30% APY on your balance up to $20,000. That’s more than money market rates or the highest yielding certificates!

Platinum Rewards Checking

Receive 500 Bonus ScoreCard
Reward Points Each Month!
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  • 500 bonus ScoreCard points
  • FREE ATMs anywhere worldwide
  • Cutting-edge online and mobile banking
  • No minimum balance
  • No monthly service fee

Earn reward points every month and with every purchase. Redeem them for name-brand merchandise, travel, and more!

Monthly Requirements


15+ debit card purchases


1+ direct deposit into the account


1+ online or mobile banking login


Receive electronic statements

Enjoy the convenience of eStatements for free! Click here to enroll or learn more.


Simply open your account online today to get started.

Already have an account? Click here to upgrade.

Annual Percentage Yield accurate as of 01/01/2021. Rate subject to change. Monthly earnings based on a 365 day year. Fees or other conditions could reduce earnings on the account. Applicable on balances up to $20,000. 3.30% APY dividend or 500 ScoreCard bonus points will not be paid if all services are not used or if fewer than 15 debit purchases post in the month. Debit transactions typically post within two business days and may vary based on merchant processing. ATM transactions do not qualify as debit card purchases. ScoreCard points are not rewarded on purchases from Vertical Checking. Online and mobile banking logins and eStatements enrollment are reported and counted the next business day.  To help you balance your checkbook, click here to open a check reconciliation form along with error resolution notification information. Must meet account requirements to receive ATM fee reimbursement. ATM fee reimbursement limited to $15 per account per month.