Liberty Summit Trust Bank offers transparent fee structures with no hidden charges. Our basic checking accounts have no monthly maintenance fees when you maintain a minimum balance. We provide detailed fee schedules for all services including ATM usage, wire transfers, and overdraft protection. Many of our premium accounts offer fee waivers based on your relationship with the bank.

Setting up online banking is quick and secure. Visit our website and click "Enroll in Online Banking" to get started. You'll need your account number, Social Security number, and a valid email address. Once enrolled, you can access your accounts 24/7, transfer funds, pay bills, and manage your finances from anywhere with our mobile app or website.

Applying for a loan with Liberty Summit Trust Bank is straightforward. You can start your application online or visit any branch location. We offer personal loans, auto loans, mortgages, and business loans. Our loan specialists will review your application, discuss terms and rates, and guide you through the approval process. Most applications receive a decision within 24-48 hours.

Liberty Summit Trust Bank provides comprehensive customer support through multiple channels. Our customer service team is available 24/7 via phone, live chat on our website, and email. You can also visit any of our branch locations during business hours for in-person assistance. We're committed to resolving your banking questions and concerns promptly and professionally.

Your account security is our top priority. We use advanced encryption technology, multi-factor authentication, and real-time fraud monitoring to protect your accounts. Our systems are regularly updated with the latest security protocols, and we provide security alerts for suspicious activities. We also offer biometric login options and secure messaging within our online banking platform.

If your debit or credit card is lost or stolen, contact us immediately at our 24/7 customer service line at 1-800-BANK-123. You can also report it through our mobile app or online banking platform. We'll immediately freeze your card to prevent unauthorized use and expedite a replacement card to you within 1-2 business days.

Our interest rates are competitive and updated regularly based on market conditions. Current rates for savings accounts range from 0.50% to 2.25% APY, depending on the account type and balance. Certificate of Deposit rates range from 1.75% to 4.50% APY based on term length. For the most current rates on all products, please visit our website or contact any branch location.

Transferring money between your accounts is easy and can be done through multiple channels. Use our online banking platform or mobile app for instant transfers between your Liberty Summit Trust Bank accounts. You can also set up recurring transfers, schedule future transfers, or visit any branch location. External transfers to other banks typically take 1-3 business days.

We offer comprehensive business banking solutions including business checking and savings accounts, commercial loans, lines of credit, merchant services, payroll processing, and cash management services. Our business specialists can help you choose the right combination of services to support your company's growth and operational needs.