$125 Checking Account Bonus at Liberty Bank in Missouri - Local Only


Liberty Bank is offering a bonus of up to $125 for opening its Free Checking account online. The details along with a link to the online application are provided at this Liberty Bank promotions page. No expiration date is listed, so I emailed the bank today (8/13/2012), and I confirmed that it's still available. Below are the requirements to receive the full $125:

  • Open a Free Checking account with a minimum opening balance of $25
  • $25 when you sign up for e-statements
  • $25 when you sign up and receive a direct deposit
  • $25 when you sign up for Online Bill Pay and pay an online bill
  • $25 when you use your check card and sign for your purchase ten times
  • $25 when you open your account online

According to the instructions for the online application, choose Free Checking and enter promo code BUILD. Below is a copy of the offer's small print:

To qualify, open a Free Checking account with a minimum opening balance of $25 and meet the bonus requirements within 60 days of account opening. Bonuses will be applied after 60 days to accounts in good standing. One “Build your own bonus” account per household. Not valid with any other promotional offer. Existing Liberty Bank checking account customers are not eligible. A $25 account closing fee may be applied to accounts that close within 12 months.

ATM transactions and PIN-based transactions do not qualify for the ten required check card transactions. Signature-based transactions must exceed $5.

Account must be funded and all required documentation must be submitted and approved to receive the $25 bonus for opening account online - $25 online opening bonus will be applied as soon as these requirements are met.

Account Availability

The first page of the application requires you to select the county where you live. To be eligible you have to reside in one of the counties listed. Most of the counties are in Missouri. There are also a few in Arkansas, Kansas and Oklahoma.

Bank Overview

In addition to the free checking account, Liberty Bank offers a reward checking account called High Interest Checking. My last review of this account was in August 2011. Since that time, the top rate has held at 2.50% APY. However, the balance cap has fallen from $30K to $20K.

Liberty Bank branches are located in Southwest Missouri.

The bank has an overall health score at DepositAccounts.com of 4 stars (out of 5) with a Texas Ratio of 9.82% (above average) based on March 2012 data. Please refer to our financial overview of Liberty Bank for more details. The bank has been a FDIC members since 1955 (FDIC Certificate # 34087).

Other Bank Bonuses

We have a bank promotions page with a table of all of the active bank and credit union promotions. You can filter the table based on the type of promotion and based on your state. I have more details about how to use this page in this blog post.

You can view my latest bank bonus blog posts in this bank bonus page. I and DepositAccounts.com readers often post on bonuses in the checking account deals forum.

Plbankpl (anonymous)   |     |   Comment #1
This is an interesting offer, the bank account and bonus it looks realy good.
High-Interest Checking Account at Liberty Bank Available in MO, KS, AR & OK

Liberty Bank is offering a free reward checking account called High-Interest Checking. It has the following rates if certain monthly requirements are met (as of 8/22/2011):

  • 2.50% APY for balances up to $30,000
  • 0.15% APY for portion of balance over $30,000
  • 0.15% base rate if requirements are not met

The monthly requirements include:

  • 10 check card transactions
  • One direct deposit of at least $250 or more
  • Maintain online banking and e-statements

Minimum opening deposit is $25. There is no minimum balance requirement or monthly service charges.

I don't see any mention about ATM fee reimbursements. However, in the bank's...

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High-Interest Reward Checking Account at a Missouri Bank - with bonuses (Liberty)
Update 8/22/11: The rate has fallen to 2.50% APY

Liberty Bank has a reward checking account called High-Interest Free Checking. It pays 2.50% APY on balances up to $30,000 (0.15% for above) if the following monthly requirements are met:
  • 10 debit card transactions
  • one or more direct deposits totaling at least $500
  • online banking with e-statements
If these are not met, the rate falls to 0.15%. There are no minimum balance requirements.

One unique thing I noticed on the front page is that the bank states "Free checking with no ChexSystems and no credit bureaus."...

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