Personal Banking with Liberty Bank of New Jersey
You're always more than an account number here. From everyday banking to future planning, you'll enjoy easy, adaptable service and a hometown banker who knows you by name—skip the call centers and rep rotations, and get genuine personal care instead.
Ready to Get Started?
Checking Accounts
Simple, secure, and built for everyday life.
Our checking accounts give you the tools you need to stay in control of your finances—without unnecessary complexity.
What you can expect:
- Debit cards for easy, everyday spending
- Online and mobile banking with bill pay
- Direct deposit and automatic payments
- Account alerts and basic budgeting tools
Classic Checking
Everyday banking made simple. Our Classic Checking account gives you all the essentials—without the hassle or hidden fees.
- Just $50.00 to open
- $250.00 minimum balance to maintain
- Free Online & Mobile Banking — Manage your money anytime, from your Apple or Android device
- Free Mastercard® Debit Card — Shop, withdraw, and pay with ease
- Surcharge-free ATM access — Find a MoneyPass ATM near you—no fees at over 4,000 locations nationwide
Platinum Checking
More balance, more rewards. For customers who keep higher balances, Platinum Checking offers premium earning potential alongside everyday banking essentials.
- Earn interest — With qualifying compensating balances
- Plus everything included in Classic Checking
- Only $100.00 to open
- $2,500.00 minimum balance to maintain and earn
Senior Checking
Banking that rewards experience. 62 and over? This account combines everyday convenience with added perks and peace of mind.
- No monthly fees
- Free checks — No cost, no hassle
- Earn interest
- Choice of paper or eStatements - no charge
- Plus everything included in Classic Checking
- Only $100.00 to open
New Jersey Consumer
Everyday banking made simple. Our NJ Consumer account gives you all the essentials—with low cost
- Only $50.00 to open
- Minimum balance of $1.00 to maintain the account
- Maximum $3.00 monthly service fee
- No monthly charge for withdrawals by check or checks written
- Unlimited deposits and in-person withdrawals
Savings & Money Market Accounts
Save smarter while keeping your funds within reach.
A money market account is a type of savings account that typically offers higher interest rates than traditional savings, while still allowing limited access to your funds. In addition to money market accounts, Liberty Bank offers Certificates of Deposit, Premier Savings, Youth Savings and IRAs.
Our savings and money market accounts are designed to help you:
- Earn competitive interest
- Access your funds when needed
- Automate savings with recurring transfers
- Stay protected with FDIC insurance
Certificates of Deposit (CDs)
Predictable growth with built-in stability.
CDs are a great option if you’re looking for consistent returns over time. By locking in a fixed rate for a set term, you can grow your savings without market risk.
Key benefits:
- Fixed interest rates for the full term
- Flexible term options
- FDIC-insured security
- Ideal for short- or long-term savings goals
Safe Deposit Boxes
Secure Storage, Simple Access
Our safe deposit boxes are housed in a protected, monitored vault and available in a range of sizes to fit your needs—from smaller to larger boxes for important documents and precious valuables. Get peace of mind, but still have your valuables close to home.
What you can expect:
- Multiple box sizes to fit your needs
- Access during regular banking hours
- Dual-key entry for added security
- Privacy during your visit
- Optional access for a trusted co-renter
Personal Service You Can Count On
Banking should feel personal.
You won't get lost in the crowd here. Our team takes the time to answer your questions, offer real guidance, and help you make smart financial decisions—no jargon, no scripts. Just local support from people who know you, not just your account number.
FAQs
What is a money market account?
A money market account is a type of savings account that typically offers higher interest rates than standard savings accounts, while still allowing limited access to your funds through transfers or withdrawals.
What is a CD, and what are the best rates?
A Certificate of Deposit (CD) is a savings option that lets you earn a fixed interest rate over a set period. In New Jersey, CD rates vary by term length, market conditions, and the bank you choose. Typically, longer-term CDs offer the highest rates, while shorter-term CDs give you more flexibility, so you can find the best CD rates in New Jersey to match your savings goals.
How do CD rates compare across banks?
CD rates can differ significantly between banks in New Jersey. It’s important to compare term lengths, minimum deposits, and early withdrawal penalties, not just the rate itself.
What should I look for when comparing banks in NJ?
When evaluating banks in NJ, consider:
- Account fees and minimum balances
- Interest rates on savings and CDs
- Digital banking capabilities
- Customer service and accessibility
What’s the difference between commercial banks and community banks?
Commercial banks are typically larger institutions offering a wide range of services, while community banks focus more on local customers, personalized service, and relationship-based banking.
What is NJ Banking and Insurance?
The New Jersey Department of Banking and Insurance regulates financial institutions and insurance providers in the state, helping ensure consumer protection and industry compliance.
How do I open a CD?
To open a certificate of deposit (CD) with Liberty Bank, visit a local branch in person and speak with the branch staff who can assist you with the account opening process. You can go to the Verona branch at Liberty Bank of New Jersey — located at 725 Bloomfield Ave, Verona, NJ 07044 — where a team member will help you set up your CD and answer any questions you have about terms and rates.
How do I replace a lost or stolen card?
If your Liberty Bank of New Jersey debit or credit card is lost or stolen, call Liberty Bank’s customer service right away at 973-232-5800 to report it and request a replacement, or you can request assistance through your online banking account.
How do I refinance an existing loan?
To refinance a loan with Liberty Bank, visit the Verona branch in person and speak with a loan officer. They will help you complete a refinance application, review your options, and guide you through the process. You can go to:
Liberty Bank of New Jersey – Verona Branch
725 Bloomfield Ave, Verona, NJ 07044
How do I update my personal information?
You can update your personal information by visiting a branch and speaking with a bank teller, or by making updates directly through your online banking account. For in-person assistance, visit the Verona branch:
Liberty Bank of New Jersey – Verona Branch
725 Bloomfield Ave, Verona, NJ 07044