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Customer Care - Frequently Asked Questions

All our Personal checking accounts are tailored to suit your banking needs - bank with ease via the internet or more traditionally, it’s always your choice.

Our Personal Checking Accounts have all these features and benefits:

  • Free Mobile Banking
  • No per check charge
  • Unlimited check writing
  • Free ATM Debit Card
  • Free Online Banking
  • Free Online Bill Pay
  • Free ATM access
  • Free 24 hour telephone account access
  • Free initial order of LBB checks
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Freedom Checking - Where Free means Free!

Our Freedom Checking Account does not have any minimum balance or monthy service fee requirements.
This account has access to all the features listed above.

Our Freedom Checking is our N J Consumer Checking Account.

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E-Statement Checking Account* -

In addition to all the features and benefits listed above our E-Checking account pays interest to you monthly.

Our E-Checking gives you the ability to view your account statement online, at any time, without the hassle of waiting for a monthly paper statement to arrive in the mail.

A $250 daily balance is required to earn interest and avoid a $5.00 monthly service charge.

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Interest Checking*

Should our E-checking not suit your lifestyle we offer our traditional checking account. This account has all the features and benefits listed above however, we will mail a monthly paper statement.

This account pays interest on all balances and requires a $250 minimum daily balance to earn interest. A $5.00 monthly service charge is applied if daily balances fall below $250.

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Personal Checking Accounts - Additional Products and Features

ATM Debit Card - our checking accounts come with a FREE ATM Debit Card providing free access to your funds. Purchases can be made anywhere debit cards are accepted with funds automatically removed from your account with each use.

Direct Deposit - our checking accounts offer free unlimited Direct Deposit transactions. Funds can be deposited electronically to your account without the hassle of making a paper manual deposit. Most employers and government agencies are now equipped to directly deposit funds into your account. All it requires is the ABA routing number located on bottom of every check.

Internet Banking - You can access your accounts 24 hours a day 7 days a week once registered for our free Internet Banking. View your account activity and statements online anytime. Please go to our home page and click on demo to learn more about this great service.

Online Bill Pay - Pay your bills online free with our online bill pay service. Any personal checking account gives you unlimited Bill Pay Access and transactions withn no more writing checks and paying for stamps.

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Overdraft Protection

You can protect yourself from embarrassment and potential overdraft fees with our overdraft protection plan. There are two options.

The first is easy to setup, plus it is free. Just link another Liberty Bell deposit account and we will then automatically transfer funds to cover checks up to the funds available.

Apply for a line of credit and, once accepted, it is linked to your checking account. You can use this line whenever you have a need for extra cash and to cover checks written up to amount of your preapproved line. We will mail you a separate monthly credit line statement that allows you to pay off the balance all at once or over a few months.

Overdraft Protection Application.pdf

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*Personal Checking Terms and Conditions

E-Statement Checking accounts will not receive monthly statement via the mail. Transaction history is available through the Internet at E-Statement Checking accounts require a $250 daily balance to earn interest. A $5.00 monthly service charge is applied if daily balance falls below $250.

Interest Checking requires a $250 daily balance to earn interest. A $5.00 monthly service charge is applied if daily balance falls below $250.

Our checking account interest rates and annual percentage yields (APY) for all Liberty Bell Bank deposit accounts are determined at the discretion of the bank. The interest rates and annual percentage yields may change at any time. Fees could reduce earnings.

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Personal Money Market Account - View Today's Rates

Money Market accounts from Liberty Bell Bank offers you the liquidity you need with higher interest rates you want.

Our Personal Money Market Accounts have all these features and benefits:

  • No minimum Opening balance required
  • No per check charge
  • No monthly service charge with $1,000 minimum daily balance*
  • Free initial order of checks
  • Unlimited in person withdrawals
  • Free Online banking
  • Free 24 hour telephone access
  • Tiered Interest rates that rewards higher balances

Money Market Accounts are limited to 6 (six) checks or electronic withdrawals per statement cycle.

* Deposit accounts are FDIC insured up to $250,000 per depositor. Fees could reduce earnings on the account. Interest rates and APY may change at the bank’s discretion. Money Market accounts incur a $10 fee per month if balance falls below $1,000.

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Savings Accounts

Our Freedom Statement Savings account provides an easy and convenient way to save money for a specific purpose or an unexpected emergency with the ability to access your funds quickly.

Freedom Statement Savings Account comes with these features and benefits:

  • No minimum balance requirement
  • No monthly maintenance fee
  • Interest begins the day of your deposit
  • Interest is credited to your account monthly
  • Free Online Banking
  • Free ATM Card
  • Free 24 hour Telephone Access

Deposit accounts are FDIC insured up to $250,000 per depositor. Interest rates and APY may change at the bank’s discretion. Fees could reduce earnings.

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Certificates of Deposit (CDs)

Our Certificates of Deposit offer competitive rates and guaranteed returns at varies terms to help you better manage your finances.

You can elect to let the interest earned (compound daily) in your certificate or, you can tell us to deposit the interest earned to another account on a monthly, quarterly or yearly basis. We will even mail the interest via check monthly, quarterly, or yearly if that meets your needs.

Our CDs have these benefits:

  • Competitive Rates
  • Flexible terms from six months to five years
  • $500 minimum to open any certificate
  • Various interest payment options
  • No fees to open or maintain
  • Free Internet access
  • Free automatic renewal options

Our posted Interest rates on Certificates of Deposit are subject to change without notice. There will be a penalty for early withdrawal on certificates of deposit. Certificates are included in FDIC coverage up to $250,000 per depositor. Certificates of Deposit held in Individual Retirement Accounts (IRA’s) will remain at $250,000. Fees could reduce earnings.

Click here to view our current Certificate of Deposit interest rates

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For Personal Banking Services, please contact Kathy Hiltner, Vice President & Branch Administration on her direct line at 856.830.1164 or by way of electronic mail