Liberty Bank of Arkansas

Business Banking

Daily Banking
Business Checking

All Business Checking Accounts feature these FREE benefits:

  • Online Banking and Bill Pay
  • Monthly Imaged Statement
  • Statement Binder
  • Business Debit Card (approval required)
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Interest Bearing

Business Interest Checking

An interest bearing business checking account for sole proprietorships, corporations, or partnerships. 

  • Tiered interest paid monthly on daily collected balances of $500 and more
  • Account analysis fee schedule applies*
  • No earnings credit calculated due to account earning interest
  • Cash Management services available
  • Commercial Capture Xpress services available
Community Interest Checking

An interest bearing checking account available to community based, non-profit entities and public fund entities.

  • Tiered interest paid monthly on daily collected balances of $500 and more
  • No monthly service charge by maintaining a $1,000 minimum daily balance, otherwise an $8 maintenance charge will apply
Money Market

An interest bearing account that features higher money market rates for higher account balances.

  • Limited to six withdrawals per statement cycle**
  • Tiered interest paid monthly on daily collected balances
  • Unlimited deposit transactions
  • No monthly service charge by maintaining a $1,000 minimum daily collected balance, otherwise an $8 minimum balance fee will apply

** Exceeding withdrawal limitations may result in account closure, change of account type, termination of transfer capability, or other remedial action.

Non-Interest Bearing

FREE Business Checking

A basic non-interest bearing business checking account designed to fit the needs of small businesses that have 300 or fewer transactions.

  • No minimum balance requirement
  • 300 free items, $.15 for each additional item

Business Checking

A non-interest bearing business checking account geared to fit the needs of medium to large size businesses that take advantage of our cash management services. 

  • Account analysis fee schedule applies*
  • Earnings credit may offset account analysis fees
  • Cash Management services available
  • Commercial Capture Xpress services available

Community Checking

A non-interest bearing checking account available to community based groups and clubs, non-profit entities and public fund entities.

  • No monthly service charge

* Further details, disclosures, and account analysis fee schedules available upon request.

 

Business Savings
  • Interest paid quarterly on daily collected balances.
  • Three FREE withdrawals per quarter, $1 fee for each additional withdrawal.
  • No quarterly service charge by maintaining a $200 minimum daily collected balance, otherwise a $10
    minimum balance fee will apply.
  • Limited to six withdrawals per statement cycle*
* Exceeding withdrawal limitations may result in account closure, change of account type, termination of transfer capability, or other remedial action.
    Online Banking & Bill Pay
    How do I enroll in Free Online Banking?

    Liberty Bank offers online enrollment for Online Banking.  Online enrollment will take up to 7-10 business days for an account to become active.

    Click Login, then the Apply Now button.  You can also enroll by stopping by one of our convenient locations and completing an Online Banking Application.  Branch enrollment takes 1-2 business days for an account to become active. For questions about online banking, contact the Online Banking Representative at 866.374.0100.  Click here for online demo.

    How do I enroll in Free Online Bill Pay? 

    Liberty Bank of Arkansas offers Free Online Bill Pay. With the Online Bill Pay service you can use your computer and Internet access to direct payments from your checking account to third parties, such as merchants or individuals. Payments are made from checking accounts only.

    To enroll, you must first complete an Online Banking Application either online or at one of our convenient banking centers.  Within the application, simply select the option to enable Online Bill Pay. If you already have an Online Banking Account with us, please login using your personal Access ID and Passcode; select the tab titled Payments; choose Click Here to request bill pay services; select Edit under the Make A Selection column for the account you wish to add service; select the Basic with Bill Pay button then submit your request.  Activation will be granted within 1-2 business days.  You may also enroll by sending a Secure Mail Message or by selecting the Contact Liberty Bank of Arkansas link with Online Banking. For questions about Online Bill Pay, feel free to contact the Online Banking Representative at 866.374.0100.  Click here for an online demo.

    Online Banking Disclosures

    Please read the Disclosure(s) listed in this section. Customers are responsible for reading and accepting the Electronic Disclosure(s).  By using any of Liberty Bank's Online Banking Services you acknowledge that you have read and accepted the Disclosure(s).  Click here for Online Banking Disclosures

    Online Banking Support

    For help with Online Banking, contact the Online Banking Coordinator toll free at 866.374.0100, or you may use our Contact Us form.  (Monday through Friday 8am - 5pm)

    128-bit Encryption Information

    For your security, Online Banking & Quick Bill Pay require using a 128-bit encrypted browser.

    Encryption is a method of encoding data for security purposes. Some methods of encrypting, such as 128-bit encryption, are so difficult to break that U.S. export laws permit them to be used only within the United States. Netscape Communicator and Internet Explorer provide the option of securing U.S. documents using 128-bit encryption. Liberty Bank's Online Bianking uses 128-bit encryption and recommends you do the same.

    Cryptography is the conversion of data into code for transmission over a network. The original data is converted into code using an encryption algorithm, and is decoded (decrypted) at the receiving end.  The encryption algorithm uses a key, usually a binary number 40 to 128 bits in length. The key is mathematically combined with the data itself to created the code. At the receiving end, the key is used to "unlock" the code, restoring the original data.  Traditionally, encryption uses a secret key which both the sender and receiver use. This is the fastest method, but transmitting the secret key to the recipient is not secure.  A second method, public key cryptography, is now used in secure Internet communication. Each recipient has a secret private key, and a public key that is published. The sender looks up the recipient's public key and uses it to encrypt the message, and the recipient uses the private key to decrypt the message. There is never any need to share the private keys, so they are never in transit and are not vulnerable to being discovered by unauthorized parties.

    Merchant Services

    Liberty Bank of Arkansas has partnered with Elavon to deliver the industry’s leading merchant processing solutions. By combining our banking expertise with Elavon’s premier payment processing network, you can enjoy a one-stop solution for all of your banking and payment processing needs. Choosing the right payments partner can be critical to your bottom line, and Elavon clearly delivers the most powerful platform in the industry. If you have a payment processing need, Liberty Bank and Elavon have the solution.

    Rely on the Industry's #1 Network
    • Highly rated for reliability and availability
    • 100% network uptime from Elavon’s fully redundant systems
    • High speed transaction processing
    • Built in fraud monitoring and control features
    Choose an Industry Leader
    • Elavon processes over one billion transactions annually for more than 1 million merchant locations
    • Elavon is the third largest payment processor in the United States
    Enjoy superior customer service and online support
    • Customer service is available 24/7 from trained professionals in Elavon’s call center
    • Log onto MerchantConnect.com to request new products, access monthly statements, view the status of your account and more.
    Payment solutions available
    • Retail
    • Restaurants
    • Supermarkets
    • Lodging/Hospitality
    • Education/Government
    • Mail order/E-commerce
    Solutions to grow your business
    • PC and Terminal Based POS Solutions
    • Wireless Payment Processing
    • Internet/e-Commerce
    • Debit, EBT
    • Fleet Cards
    • Purchasing/Corporate Cards
    • Electronic Check Service
    • Electronic Gift Cards
    • Dynamic Currency Conversion
    • Reporting Solutions

    Already a Liberty Bank merchant customer, but need to register for online account access?  Click here to get started.  If you already have your User ID and Password, Click here to access monthly statements; view the status of your account and much more.

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    Commercial Capture Xpress
    We make business banking easy!

    With Commercial Capture Xpress, you can make daily bank deposits from your office computer. Not only does Commercial Capture eliminate trips to the bank but your deposits clear faster, freeing up cash flow.

    Commercial Capture Express check scanner may be free to qualified customers!

    Click the play button to watch a Commercial Capture demonstration.

     

     

    Cash Management

    Liberty Bank of Arkansas offers Internet Banking with Cash Management services that save your business time, streamline your operations and offer increased privacy in a secure environment.

    ACH Origination

    ACH Origination allows you to initiate many types of electronic debit and credit transactions.

    • Direct Deposit Payroll
    • Intra-Bank Transfers
    • Cash Concentration
    • NACHA Import/Export
    Account Reconciliation

    Reconcile your business checking accounts faster and more economically.

    • Partial Reconciliation
    • Full Reconciliation
    • Check Imaging
    Secure File Transfer

    Send encrypted files directly to the bank. This is useful for businesses that create their ACH batches in-house or those that want to send spreadsheets to their financial institutions.

    Wire Transfer

    Originate, verify and transmit wire transfer requests online. The system supports dual control and daily limit security as well as repetitive transfers.

    Electronic Federal Tax Payments

    Schedule and initiate an “ACH Credit” for different types of tax payments directly to the appropriate Treasury Financial Agent’s ABA number using the EFPTS account identification.

    Financing
    Small Business Loans

    Liberty Bank of Arkansas offers the following types of loans for small business:

    • Business Loans
    • SBA Loans
    • Lines of Credit

    For more information or to apply for a small business loan contact us.

    Commercial Lending

    Liberty Bank of Arkansas offers the following types of corporate loans:

    • Real Estate Lending
    • Accounts Receivable and Inventory Lending
    • Construction Lending
    • Agricultural Lending
    • Lines of Credit
    • Letters of Credit
    • Specialized Lending such as Aircraft Lending or SBA Lending
    • Working Capital Line
    • Loan Syndications

    For more information or to apply for a corporate loan, contact us.

    Business Credit Cards
    Apply NowView My Account

    Business Credit Card

    verified by Visa

    Liberty Bank of Arkansas offers corporate credit cards with competitive interest rates and great features.

    • No Annual Fee (business travel card excluded)
    • Flexible Billing Options - Individual or Central Bill
    • Point Pooling on Reward Products
    • Visa Virtual Advisor-helps cardmembers get the information necessary to manage small business profitability
    • Employee Misuse Protection for terminated employee(s) misuse up to $100,000
    • VIS Select- A comprehensive online reporting solution for managing a business’s credit card spending
    Other Services
    Trust Services

    The trust department staff at Liberty Bank of Arkansas has been in the trust business for many years, specializing in IRAs, Personal Trust, Investment  Management and Qualified Retirement Plans.  With our experience and background, Liberty Bank of Arkansas is confident we can deliver a first-rate answer to all of your trust needs. Our trust team will deliver high levels of service and accountability, which is exactly what you should expect!

    We offer leading-edge technology and features; a no-load investment environment with funds from multiple fund families; and a consultative, hands-on focus. In an industry dominated by bundled providers and 1-800 numbers, we think you’ll find the Liberty Bank of Arkansas solution to be a refreshing alternative; one that allows you to make the most of your account while having a close working relationship with a trustee located nearby. 

    If you have any questions, please give us a call at 1.866.374.0100.  We look forward to the opportunity to work with you!

    Insurance Services
    Insurance Logo

    Liberty Bank's in-house insurance agency, Town & Country Insurance provides a full line of insurance products. Click here for more information or to request a quote.

    Investment Services

    Liberty Bank Financial Services is a full-service financial firm committed to helping people achieve their financial goals.  We offer a wide range of financial products and services to individuals and business owners.  By providing sound financial information, we believe you will be better able to identify your goals and make sound decisions to help reach them.  Our Registered Representatives offer securities and advisory services through INVEST Financial Corporation, member FINRA/SIPC, A Registered Investment Advisor.

    Learning Center