• PERSONAL Checking •

At First Liberty Bank, we believe better banking starts by listening. You can expect us to spend time evaluating your financial needs and making recommendations unique to your personal banking accounts. Call a First Liberty Banker to help determine the best personal checking account for you at 405.608.4500. We are conveniently located near Britton and May Avenue in Oklahoma City.

Our remote banking service not only includes accessing your account through our Online Banking from your computer but also from our Mobile App when you are on the go. Download our mobile app from iTunes or Google Play.

Compare Personal Checking Accounts

Premier Checking Freedom Checking Liberty Checking
Minimum Opening Deposit $50.00 $50.00 $50.00
Monthly Service Charge $10.00 charge if average collected balance less than $500.00 $12.00 charge if average collected balance less than $1500.00 None
Earned Interest Balance Requirement N/A $100 N/A
Interest Rate Fees may reduce earnings.
Interest rates are subject to change.
N/A Interest Tiers:
$100.00 - $4,999.99
$5,000.00 - $24,999.99
$25,000.00 and up
N/A
Service Charges Unlimited POS & ATM Transactions
Unlimited POS & ATM Transactions
N/A
Debit Card Free Free $5.00
Debit Card Replacement $5.00 $5.00 $5.00
Debit Card Service Fees 5 Free non FLB ATM Transactions per statement cycle, $1.25 per ATM Transaction thereafter 5 Free non FLB ATM Transactions per statement cycle, $1.25 per ATM Transaction thereafter 5 Free non FLB ATM Transactions per statement cycle, $1.25 per ATM Transaction thereafter
Cashier's Checks $5.00 $5.00 $5.00
Temporary Checks Included up to 10 checks. $0.50 each thereafter. Included up to 10 checks. $0.50 each thereafter. Included up to 10 checks. $0.50 each thereafter.
MyBanker Online Free Free Free
Paper or E-Statements Included Included Electronic Statements Included. $5.00 for Paper Statements.
MyMobile Smart Phone App Free Free Free
MyMobile Deposit Available - Enrollment Required Free Free Free
VISA™ Debit Card Available On Approval Available On Approval Available On Approval
**Paid Item Fee $30.00 Per Item $30.00 Per Item $30.00 Per Item
**Return Item Fee $30.00 Per Item $30.00 Per Item $30.00 Per Item
MyBill Pay Free (a non-usage fee of $5.95 a month will be applied to your account if you do not use the service for 3 consecutive months.) Free (a non-usage fee of $5.95 a month will be applied to your account if you do not use the service for 3 consecutive months.) Free (a non-usage fee of $5.95 a month will be applied to your account if you do not use the service for 3 consecutive months.)
Liberty Link Free Free $15.00 Fee
  • Premier Checking
    Minimum Opening Deposit
    $50.00
    Monthly Service Charge
    $10.00 charge if average collected balance less than $500.00
    Earned Interest Balance Requirement
    N/A
    Interest Rate Fees may reduce earnings.
    Interest rates are subject to change.
    N/A
    Service Charges
    Unlimited POS & ATM Transactions
    Debit Card
    Free
    Debit Card Replacement
    $5.00
    Debit Card Service Fees
    5 Free non FLB ATM Transactions per statement cycle, $1.25 per ATM Transaction thereafter
    Cashier's Checks
    $5.00
    Temporary Checks
    Included up to 10 checks. $0.50 each thereafter.
    MyBanker Online
    Free
    Paper or E-Statements
    Included
    MyMobile Smart Phone App
    Free
    MyMobile Deposit Available - Enrollment Required
    Free
    VISA™ Debit Card
    Available On Approval
    **Paid Item Fee
    $30.00 Per Item
    **Return Item Fee
    $30.00 Per Item
    MyBill Pay
    Free (a non-usage fee of $5.95 a month will be applied to your account if you do not use the service for 3 consecutive months.)
    Liberty Link
    Free
  • Freedom Checking
    Minimum Opening Deposit
    $50.00
    Monthly Service Charge
    $12.00 charge if average collected balance less than $1500.00
    Earned Interest Balance Requirement
    $100
    Interest Rate Fees may reduce earnings.
    Interest rates are subject to change.
    Interest Tiers:
    $100.00 - $4,999.99
    $5,000.00 - $24,999.99
    $25,000.00 and up
    Service Charges
    Unlimited POS & ATM Transactions
    Debit Card
    Free
    Debit Card Replacement
    $5.00
    Debit Card Service Fees
    5 Free non FLB ATM Transactions per statement cycle, $1.25 per ATM Transaction thereafter
    Cashier's Checks
    $5.00
    Temporary Checks
    Included up to 10 checks. $0.50 each thereafter.
    MyBanker Online
    Free
    Paper or E-Statements
    Included
    MyMobile Smart Phone App
    Free
    MyMobile Deposit Available - Enrollment Required
    Free
    VISA™ Debit Card
    Available On Approval
    **Paid Item Fee
    $30.00 Per Item
    **Return Item Fee
    $30.00 Per Item
    MyBill Pay
    Free (a non-usage fee of $5.95 a month will be applied to your account if you do not use the service for 3 consecutive months.)
    Liberty Link
    Free
  • Liberty Checking
    Minimum Opening Deposit
    $50.00
    Monthly Service Charge
    None
    Earned Interest Balance Requirement
    N/A
    Interest Rate Fees may reduce earnings.
    Interest rates are subject to change.
    N/A
    Service Charges
    N/A
    Debit Card
    $5.00
    Debit Card Replacement
    $5.00
    Debit Card Service Fees
    5 Free non FLB ATM Transactions per statement cycle, $1.25 per ATM Transaction thereafter
    Cashier's Checks
    $5.00
    Temporary Checks
    Included up to 10 checks. $0.50 each thereafter.
    MyBanker Online
    Free
    Paper or E-Statements
    Electronic Statements Included. $5.00 for Paper Statements.
    MyMobile Smart Phone App
    Free
    MyMobile Deposit Available - Enrollment Required
    Free
    VISA™ Debit Card
    Available On Approval
    **Paid Item Fee
    $30.00 Per Item
    **Return Item Fee
    $30.00 Per Item
    MyBill Pay
    Free (a non-usage fee of $5.95 a month will be applied to your account if you do not use the service for 3 consecutive months.)
    Liberty Link
    $15.00 Fee


**Please Note: Paid Item Fees and Return Item Fees apply to items created by check, in person withdrawals and electronic means. Inadvertent overdrafts caused by ATM and one-time debit card transactions are excluded.