Online Banking

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Online Banking

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Mobile Options

Your life is busy and convenience is important. Managing your funds should be fast, easy, and on your terms.

Mobile Banking

You use your phone to make calls, text, take pictures and get directions. Why not use it for banking as well?

  • Review Account Activity
  • Transfer Funds
  • Deposit Checks
  • Pay Bills

How to Enroll:

  1. Log in to Liberty Bank’s Online Banking.
  2. Choose Options at the top of the page.
  3. Locate the Mobile Banking Profile section, click Enroll Now, and follow the steps.

How much does Liberty Bank Mobile cost?

There are no fees to use or access, text banking, or our apps. Please check with your wireless provider about carrier and web access charges.

Who can access Mobile Banking?

Anyone who is enrolled in our Personal Online Banking can access Mobile Banking.

May I add more than one phone?

Yes!  Go to your Mobile Banking Profile, click on Manage Device(s), and select Add New Phone.

What if I get a new phone but my phone number stays the same?

  • Log in to your online banking.
  • Choose Options at the top of the page.
  • Go to your Mobile Banking Profile, click on Manage Device(s), and choose Stop using this phone for Mobile Banking.
  • Return to Online banking options page, click Enroll Now under your Mobile Banking Profile, and follow the activation steps.

What if my phone is lost or stolen OR I want to stop using Mobile Banking?

To prevent unauthorized access to your account, follow the steps below:

  • Log in to your online banking.
  • Choose Options at the top of the page.
  • Go to your Mobile Banking Profile, click on Manage Device(s), and choose Stop using this phone for Mobile Banking.

Which phones can be used for Mobile Banking?

At this time many brands of mobile phones are supported including Apple, Google, HTC, LG, Motorola, Rim, Samsung and T-Mobile.

I have a prepaid plan, can I use Mobile Banking?

Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support short codes.

Mobile Check Deposit

Bankers hours don't fit into your crazy schedule? No problem; deposit your checks when it's convenient for you!

How to Enroll:

  1. Sign up for Online Banking.
  2. Enroll in Mobile Banking under the Options Heading on the home page of online banking.
  3. Fill out and submit the Mobile Check Deposit Enrollment Application.
  4. You will be notified via US Mail regarding the status of your application. If your application is approved, you will see the Deposit Checks option on your Liberty Bank Mobile Banking home screen.

Am I eligible for Liberty Bank Mobile Check Deposit?

  • You must be a customer of Liberty Bank for at least 90 days
  • You cannot have had an overdraft in the last 60 days
  • You cannot have an open Fresh Start Repayment Plan
  • You must be enrolled in online banking and mobile banking

What types of items can I deposit using Liberty Bank Mobile Check Deposit?

  • Most paper checks that do not exceed $1500.00 per check, per day.
  • The check must be made payable to the account owner or joint owners and must be properly endorsed.
  • You cannot deposit foreign checks, 3rd party checks, returned or re-deposited items or rebate checks using this service.

Is there a limit to how much I can deposit?

$1500.00 per day per check and $5000.00 per 30 day rolling period.

When making a deposit, how do I properly endorse my checks?

[Payee Signature] Liberty Bank Mobile Deposit Only [Account # Receiving Deposit]

Which accounts can I deposit into?

Any Liberty Bank account that you have enrolled in Mobile Banking can accept deposits via Mobile Check Deposit. You can change the accounts you wish to see in your Mobile Banking app in the "Options" section of your Online Banking home page. Log in to your online banking.

Once I’ve made my deposit, what do I do with the check?

Once you have submitted the image of your check for deposit, you should keep the actual check for 60 days. The check should be stored in a secure place where it will not be mistakenly deposited again.

Why was my check rejected?

  • The check may not have been read by the software.
    • Try and retake the picture and make sure to capture all four corners of the check in the picture. Be sure the check is lying flat.
  • The check may have exceeded your daily or monthly limit.
    • Please bring the check to the nearest location to deposit the check.
  • The check could have an improper endorsement.
    • The endorsement should read: [Payee Signature] Liberty Mobile Deposit Only [Account # Receiving Deposit]
  • The amount entered for deposit and the actual check amount could be different.
    • Be sure what you enter as the deposit amount and the check amount are the same.
  • The item has already been deposited
    • Review the “Deposit History” tab to find out if the check has been deposited already.

After making a deposit using Liberty Bank Mobile Check Deposit, how soon will I have access to my funds?

We will apply the Liberty Bank Funds Availability Policy to check images received via Mobile Check Deposit just as we would if the check was deposited at a teller window. In addition to any exceptions specified in the Liberty Bank Funds Availability Policy, we may delay availability of funds from any deposit you make through Liberty Bank Mobile Check Deposit at any time at our sole discretion, including due to any concern we may have regarding our ability to collect based upon any check image that you present.

What is the Mobile Check Deposit daily cut-off time?

Checks must be submitted prior to 4:00pm to be deposited same day. Checks submitted after 4:00pm will be deposited next-business day.

ipad app and android

Text Messaging & Alerts

You're busy, so let us help you keep track of your account. Set up text alerts and we will let you know when your balance is low, transactions clear your account or your direct deposit has posted.

For help with enrollment, please contact Customer Service at 417.888.3000.

How do I view my balances and history through Text Messaging?

Balances (not case sensitive): send “B”, “BAL”, “BALANCE” or “BALANCES” to the short code received after activating the mobile device. History (not case sensitive): send “STMT”, “TRAN”, or “HIST” plus the nickname for the account to the short code received after activating the mobile device.

What should I do if I don’t get a response to a request?

Make sure you are sending the text message to the short code (63042). Check the keyword and any additional information required for the request, such as the financial institution’s identifier, account nickname, and address.

Why are my results sent as multiple messages?

Text messages are limited to 160 characters. If your account information exceeds the character limit, your account information is sent in multiple messages – no more than five at a time.

I have text messaging on my mobile device, why can’t I receive text messages?

Your mobile service carrier may be blocking short codes or you may have blocked short codes on your mobile device. Short codes must be enabled to use Mobile Banking. Short codes are abbreviated phone numbers, usually five digits, used to send Mobile Banking messages.