x more with FREE checking

No minimum balance or service fees

Liberty Financial’s Vertical Checking lets you earn extra cash in your account every month. At 3.30% APY1, you’ll earn nearly 100 times more than these local competitor checking accounts! PLUS you can use any bank’s ATMs, and we’ll refund your fees—up to $15 per month!2

Compare your returns!


Liberty Financial

3.30% APY

Vertical Checking

Monthly Earnings - $55.21
Plus up to $15 a month in ATM fee refunds!

Annual Earnings - up to 


Fifth Third

0.01% APY


Monthly Earnings - $0.17

Annual Earnings -


Regions Bank

0.01% APY


Monthly Earnings - $0.17

Annual Earnings -


Dividends paid based on $20,000 daily balance. Competitor interest estimated using daily accrual method. Competitor rates valid as of 7/2/2018

Open your account now and start earning on balances up to

Click to open your account

Or visit us at our new Branch Creek office in North Franklin, TN across from Sopapilla’s

Liberty Financial Branch Creek

580 Franklin Rd. Suite 100
Franklin, TN 37069
Get Directions ->

It’s simple to qualify

Earn 3.30% APY and enjoy free ATMs anywhere every month you meet these simple monthly requirements:

15+ debit card purchases

1+ online or mobile banking login

Receive electronic statements

1+ direct deposit into the account


Our checking accounts offer more than just great rates or rewards

When you become a member, you’ll also enjoy access to many leading-edge banking features, including:

Great Rates and Rewards

Free ATMs Anywhere

No Minimum Balance

No Monthly Service Fee

Account Access


One Place. One Password. All of Your Financial Data.

With the Liberty Financial Mobile App, manage all of your accounts—including those held outside Liberty Financial—in one place, with one password. You can also transfer funds, deposit checks, create budgets, pay bills, apply for a loan, and more.


Open your account today and start earning 3.30% APY plus FREE ATMs anywhere!

open your account online

1Annual Percentage Yield accurate as of 07/01/2019. Rate subject to change. 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. 2Must meet account requirements to receive ATM fee reimbursement. ATM fee reimbursement limited to $15 per account per month.

*Liberty Financial’s Vertical Checking account is listed as a Kiplinger top checking account in October 2020 issue. Kiplinger’s Personal Finance is a registered trademark of The Kiplinger Washington Editors, Inc.