Liberty State Bank

Free Checking
Liberty Club
Regular Checking
Priority Plus Account
Freedom Account
Business Checking
NOW Account
Super NOW
Limited Transaction Account (LTA)

NOTICE OF CHANGE IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account' are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction accounts" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also included Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

FREE CHECKING

$ 10 MINIMUM OPENING BALANCE

No monthly service fee
Customer does not get cancelled checks in mail

LIBERTY CLUB

$100 MINIMUM OPENING BALANCE

You will receive all of the following benefits
and more when you join our Liberty Club:

Free personalized club checks
Unlimited Check writing
Accidental death and Dismemberment Insurance **
Discount on Safety Deposit box
Free notary service
No fee for traveler’s checks
Free ATM or Check card (Upon approval)
Credit card protection

**Not a deposit, not FDIC insured, not insured by any Federal Government Agency, not guaranteed by the bank, and may go down in value.

MEMBERSHIP FEE

Basic – $7.00
Family - $9.00

REGULAR CHECKING

$100 MINIMUM OPENING BALANCE

A non-interest bearing account on which service fees are based on the average daily balance maintained during the statement cycle.

No monthly service fee:When average daily collected balance is $400.00
$5.00 Minimum Balance fee: When average daily collected balance is Less than $400.00
Transaction limitations: You may make 5 debits from your account each statement cycle. A fee of $.20 will be assessed when more than 5 withdrawals or transfers occur and the average daily balance is less than $400 during each statement cycle.

PRIORITY PLUS ACCOUNT

FOR SENIORS 55 AND OVER
$100 MINIMUM OPENING DEPOSIT

No monthly service charge
No minimum balance requirement
Free personalized LSB checks
Discount on safe deposit boxes
Free notary services
No fee for traveler’s checks

FREEDOM ACCOUNT

$50.00 MINIUM OPENING DEPOSIT

No monthly service fee
No minimum balance requirement
During any statement cycle period you may not make more than 10 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party. If transactions exceed 10, there will be a $1.00 per transaction fee.

BUSINESS CHECKING

$100.00 MINIMUM OPENING DEPOSIT

No minimum balance fee: *When average daily balance is $1,000.00 or more.
$10.00 minimum balance fee:*When average daily balance is less than $1,000.00
Unlimited check writing.

NOW ACCOUNT

$1,000.00 MINIMUM OPENING DEPOSIT

NOW (Negotiable Order of Withdrawal) is a checking account that earns interest on the average daily balance and is credited monthly.

No minimum balance fee: *When average daily balance is $1,000.00or more.
A minimum balance fee of $10.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,000.00.
Interest does not accrue on balances less than $1,000.00 and will not be credited if the average daily balance for the month is less than $1,000.00
Unlimited check writing.

SUPER NOW

$2,500.00 MINIMUM OPENING DEPOSIT

Interest accrues on average daily balance and is credited monthly

No minimum balance fee: *When average daily balance is $2,500.00 or more.
A minimum balance fee of $10.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $2,500.00.
Interest does not accrue on balances less than $2,500.00 and will not be credited if the average daily balance for the month is less than $2,500.00
Unlimited check writing.

LIMITED TRANSACTION ACCOUNT (LTA)

$5,000.00 MINIMUM OPENING DEPOSIT

Our Limited Transaction Account is a money market demand account. This account offers tiered interest rates according to the average daily balance.

Interest accrues on the average daily balance and is credited monthly.
No minimum balance fee: *When average daily balance is $5,000.00 or more.
A minimum balance fee of $10.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $5,000.00
During any statement cycle, you may not make more than 6 withdrawals or transfers to another account of ours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, debit card or similar order to a third party.
Unlimited ATM and in person withdrawals.
There is a $6.00 excessive withdrawal fee applied to each subsequent debit over six per statement cycle.





	Free Checking Liberty Club Regular Checking Priority Plus Account Freedom Account Business Checking NOW Account Super NOW Limited Transaction Account (LTA) NOTICE OF CHANGE IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a "noninterest-bearing transaction account' are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction accounts" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also included Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov. FREE CHECKING $ 10 MINIMUM OPENING BALANCE No monthly service fee Customer does not get cancelled checks in mail Back To Top LIBERTY CLUB $100 MINIMUM OPENING BALANCE You will receive all of the following benefits and more when you join our Liberty Club: Free personalized club checks Unlimited Check writing Accidental death and Dismemberment Insurance Discount on Safety Deposit box Free notary service No fee for traveler’s checks Free ATM or Check card (Upon approval) Credit card protection Not a deposit, not FDIC insured, not insured by any Federal Government Agency, not guaranteed by the bank, and may go down in value. MEMBERSHIP FEE Basic – $7.00 Family - $9.00 Back To Top REGULAR CHECKING $100 MINIMUM OPENING BALANCE A non-interest bearing account on which service fees are based on the average daily balance maintained during the statement cycle. No monthly service fee:When average daily collected balance is $400.00 $5.00 Minimum Balance fee: When average daily collected balance is Less than $400.00 Transaction limitations: You may make 5 debits from your account each statement cycle. A fee of $.20 will be assessed when more than 5 withdrawals or transfers occur and the average daily balance is less than $400 during each statement cycle. Back To Top PRIORITY PLUS ACCOUNT FOR SENIORS 55 AND OVER $100 MINIMUM OPENING DEPOSIT No monthly service charge No minimum balance requirement Free personalized LSB checks Discount on safe deposit boxes Free notary services No fee for traveler’s checks Back To Top FREEDOM ACCOUNT $50.00 MINIUM OPENING DEPOSIT No monthly service fee No minimum balance requirement During any statement cycle period you may not make more than 10 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party. If transactions exceed 10, there will be a $1.00 per transaction fee. Back To Top BUSINESS CHECKING $100.00 MINIMUM OPENING DEPOSIT No minimum balance fee: When average daily balance is $1,000.00 or more. $10.00 minimum balance fee:When average daily balance is less than $1,000.00 Unlimited check writing. Back To Top NOW ACCOUNT $1,000.00 MINIMUM OPENING DEPOSIT NOW (Negotiable Order of Withdrawal) is a checking account that earns interest on the average daily balance and is credited monthly. No minimum balance fee: When average daily balance is $1,000.00or more. A minimum balance fee of $10.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,000.00. Interest does not accrue on balances less than $1,000.00 and will not be credited if the average daily balance for the month is less than $1,000.00 Unlimited check writing. Back To Top SUPER NOW $2,500.00 MINIMUM OPENING DEPOSIT Interest accrues on average daily balance and is credited monthly No minimum balance fee: When average daily balance is $2,500.00 or more. A minimum balance fee of $10.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $2,500.00. Interest does not accrue on balances less than $2,500.00 and will not be credited if the average daily balance for the month is less than $2,500.00 Unlimited check writing. Back To Top LIMITED TRANSACTION ACCOUNT (LTA) $5,000.00 MINIMUM OPENING DEPOSIT Our Limited Transaction Account is a money market demand account. This account offers tiered interest rates according to the average daily balance. Interest accrues on the average daily balance and is credited monthly. No minimum balance fee: *When average daily balance is $5,000.00 or more. A minimum balance fee of $10.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $5,000.00 During any statement cycle, you may not make more than 6 withdrawals or transfers to another account of ours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, debit card or similar order to a third party. Unlimited ATM and in person withdrawals. There is a $6.00 excessive withdrawal fee applied to each subsequent debit over six per statement cycle. Back To Top











©2010 Liberty State Bank . All rights reserved. Website designed by ProfitStars