Jump to: Business Checking | Business Savings | Business Lending | Treasury Management | Digital Banking
Giving You the Freedom to Run Your Business Your Way
Your business isn’t one-size-fits-all. Your banking shouldn’t be either.
Whether you’re launching a startup, scaling operations, or managing a complex organization, you need financial solutions that keep up. At Liberty Bank of New Jersey, we combine local expertise with modern tools to help you simplify operations, strengthen cash flow, and plan confidently for what’s next.
Business Checking Accounts
Choose from a range of checking account options - Business, Business Interest, IOLTA or Municipal - tailored to your transaction volume and balance needs.
Key features:
- Multiple account options for businesses of all sizes
- Online and mobile banking with bill pay
- ACH and wire transfer capabilities
- Debit cards for business purchases
- Fraud monitoring and account alerts
Business Savings & Money Market Accounts
Put excess funds to work while keeping access when you need it.
Benefits include:
- Competitive interest rates
- Easy transfers between accounts
- Short- and long-term liquidity options
- Additional FDIC insurance available for balances over $250,000
Business Lending Solutions
We provide lending solutions for businesses of all sizes across the Garden State. Our approach is rooted in strong relationships, sound banking practices, and more than 80 years of combined experience in the New Jersey market.
Whether you’re expanding, investing, or managing day-to-day operations, our commercial lending team works directly with you to understand your business and structure financing that supports your goals.
Commercial Lending Options
We offer a range of financing solutions for small and mid-sized businesses, including:
- Commercial real estate loans
- Equipment financing
- Working capital loans
- Business lines of credit
- Owner-occupied property financing
- Letters of credit
- Guidance line of credits with sub-accounts
Financing terms are based on your business’s financial condition, cash flow, collateral, and overall credit profile.
Our Approach to Lending
- Relationship-based banking with deep knowledge of New Jersey markets
- Responsible, disciplined credit practices
- Personalized service from experienced lending professionals
- Commitment to supporting long-term business and community growth
Speak with a Lending Professional
We encourage you to connect with a local lending professional to discuss your needs, available options, and application requirements.
Treasury services include:
- ACH origination (payables and receivables)
- Payroll processing services
- Remote deposit capture
- Wire transfers
- Positive Pay and fraud prevention tools
- Cash concentration and account reconciliation
- Real-time reporting and monitoring
- Escrow and sub-accounting tools for efficient fund management
- Additional deposit insurance options
These solutions help automate daily processes, reduce errors, and give you greater visibility and control over your finances.
Digital Banking for Businesses
Bank on your schedule - anytime, anywhere.
Digital features:
- 24/7 online and mobile access
- User permissions and dual controls
- Real-time alerts and reporting
- Bill pay and fund transfers
- Integration with popular accounting software
- Remote deposit capture from your office or home
Security and usability are built into every experience.
Dedicated Business Banking Support
You’re not just opening an account - you’re gaining a partner.
- Local business bankers who understand your market
- Personalized guidance across accounts, lending, and treasury services
- Ongoing support as your business grows
Because the best banking relationships are built on more than transactions - they’re built on trust.
Let’s Get Started
Your business deserves a banking partner that’s invested in your success.
Connect with a Liberty Bank of New Jersey business banker to open an account, explore lending options, or learn more about our full suite of solutions.
Business Banking FAQs
How do I open a business bank account?
To open a business account with Liberty Bank of New Jersey, visit our Verona branch 725 Bloomfield Ave, Verona, NJ 07044 and bring your business formation documents, EIN, and a valid form of identification. A business banker will guide you through the process and help you choose the right account.
What services are included with business checking?
Business checking accounts typically include online and mobile banking, bill pay, ACH payments, wire transfers, debit cards, and fraud monitoring tools to help manage your day-to-day operations.
What is treasury management, and why does it matter?
Treasury management services help automate payments, streamline cash flow, reduce fraud risk, and give you better visibility into your business finances—so you can operate more efficiently and make informed decisions.
What’s the difference between ACH and wire transfers?
ACH payments are commonly used for recurring or scheduled transactions such as payroll and vendor payments, while wire transfers are faster and ideal for time-sensitive or high-value transactions.
How does a business line of credit work?
A business line of credit gives you access to funds up to a set limit. You can draw what you need, when you need it, and only pay interest on the amount you use—making it a flexible option for managing cash flow.
What types of business loans are available?
Business lending options may include lines of credit, term loans, commercial real estate financing, equipment and vehicle loans, and SBA loan programs—each designed to support different business needs and growth stages.
Are my business deposits insured?
Yes, deposits are FDIC insured up to applicable limits. Additional coverage options may be available for higher balances.
What should I look for when choosing a business bank?
When comparing business banks, consider:
- Level of personalized support and local expertise
- Account flexibility and scalability
- Lending options and access to capital
- Treasury and cash management tools
- Digital banking capabilities