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Want $365 for something special?  Start by opening one of four "spend" accounts. Pick the option that fits you best.

  • Free
    No fees account
  • Friends5
    An account with a generous rewards program for referring friends*.
  • First6
    Are you 10-24 years old? Have a child that needs a bank account? Are you a college student with a limited income? This account is for you.
  • Fresh7
    Have you been reported by ChexSystems? Try the Fresh account. We are ready to help

Each account is loaded up with some pretty great features. Click here to compare accounts.

How do you get paid? Do 1+2+3 and get $365.
Or just do one task and get paid that amount. 

  1. You get $165 – Make one year1 of direct deposits2 of $1000 or more a month each month.

  2. Earn $100 – Simply do debit card purchases totaling $365 each month for 12 consecutive months2, 3. (Easier than you think. See how.)

  3. Make $100 – Maintain a minimum balance of $1000 each month for 12 consecutive months2, 4.



When you are ready to get started, enter your email address below and click on the big orange button.


no worries has been created by Liberty Savings Bank. Since 1889, Liberty Savings bank has a long history of offering products and services that deliver VALUE for all of the people we serve.



Multiple layers of security are built in to detect fraud and protect each account.

oh yeah! stands for "makes people happy". How? Empowering people like you to achieve financial success. You control your money instead of your money controlling you.

* You choose what you want to earn; any 1 or more of the 3 rewards below:

  • $1651– Set up qualified Direct Deposit(s)2 that total at least $1,000 each month for 12 consecutive months.
  • $1001 – Make a total of $365 in qualified debit card purchases/payments3 each month for 12 consecutive months.
  • $1001 – Maintain a minimum balance4 of $1,000 each month for 12 consecutive months.
  1. To be paid within 30 days of satisfactory completion of each 12 months’ requirements of (2), (3) and/or (4) as applicable.
  2. Qualified direct deposits are sent by your employer or a government entity for things like your paycheck, pension, Social Security, SDI, etc. Direct Deposit qualifications are calculated starting on the first full month after your account is opened (i.e., if you open your account in April, you will need to have at least $1,000 in total qualified direct deposits made to your account between the 1st and 31st of May). External/internal transfers and/or Person to Person payments (i.e., Zelle, Venmo, Apple Pay, etc.) do not qualify as direct deposits.
  3. Debit card purchases/payment calculations begin on the first full month after your account is opened (i.e., if you open your account in April, you will need to have $365 in debit card purchases post to your account between the first and last business day of May). ATM withdrawals or cash advances do not qualify as debit card purchases.
  4. The minimum balance requirement starts on the first full month after your account is opened (i.e., if you open your account in April, you will need to have a $1,000 account balance by the 1st of May while maintaining that minimum balance each month thereafter). Only checking/Spend account balances count toward the minimum balance requirement.
  5. There is a $9/month fee for the Friends account which is automatically waived the first month the account is opened, and the next full month. This fee will be waived each month if there are 15 posted mphCard purchases by the last business day of the month. Once you meet the criteria to waive the fee, you also earn 0.55% Annual Percentage Yield (APY) on your checking (SPEND) account on the first $5,000 in balances. 0.55%APY is over 15x the average national FDIC rate as of 4.18.22. Amounts above $5,000, and accounts that do not meet the criteria to waive their monthly fee, earn the default rate of 0.00% APY. Fees could reduce earnings. Rates are effective 7.27.21 and are subject to change without notice. The Friends account also has Monthly Referral Rewards. You will get paid one dollar ($1.00) each month, for each verified account you refer, and their connections (up to 6,) if you, and they, have at least 15 mphCard purchases posted to the respective account(s) by the last business day of the month. Each member is limited to earning $8,500 in referral rewards per month, regardless of the number of people you have referred, or they have referred. The referral code you create is what links the new account to you. If the new member does not type in your code correctly, you will not get credit. See Truth in Savings Disclosure for full terms and conditions. Customer information is private so we will not be able to share with you the names of those who have opened an account using your code.
  6. With the First account, Parents have access to students’ credit scores. Students can have access when they turn 18. Parents can determine debit card limits for students. Students can determine debit card limits when they turn 18
  7. The Fresh account has a $9 monthly service fee

To remain eligible for any reward, your account must (i) have been opened using the hyperlink and landing page assigned with this promotion; and (ii) be and remain in good standing at all times. One $365 offer per customer. The $365 offer cannot be combined with any other special promotions except Refer-a-Friend. Must be a new customer (not had any account in the last 12 months). This offer ends December 31, 2022 and is subject to change without notice. Additional terms and conditions may apply.

All deposit products are provided by which is a brand of Liberty Savings Bank, F.S.B., a federal savings bank. Member FDIC.