Libertyville Savings Bank - Offering Checking, Savings and Lending for Personal and Business Banking in Fairfield, Libertyville and Eldon, Iowa. Libertyville has Online Internet Banking, 24 Hour Express Customer Phone Service, Personal and Business Loans, Overdraft Defender, Visa Gift Cards and Lock Boxes.

Get All of the 'Extras' From Your Community Bank

We offer more than just great financial products and servicesa lot more. In addition to our personal checking and savings accounts, and our affordable personal loans, we also offer all of the ‘extras’ that help simplify your banking. From our handy Overdraft Defender, to ATM and Debit cards, to safe and secure lock boxes, we’ve got what you need.

Overdraft Defender | MyChoicePhoto Card | Photo Debit Card
Debit Card | Visa Gift Cards | Lock Boxes | Credit Cards

Treat yourself to the ‘extras’ you deserve at Libertyville Savings Bank—
call one of our friendly bankers at 1-641-472-9839 or e-mail us.


Overdraft Defender

It’s A Privilege for Our Checking Account Clients
Unanticipated expenses or mathematical errors can leave anyone’s checking account short of cash. In addition, having a check returned due to insufficient funds can be embarrassing, too.

That’s why Libertyville Savings Bank created “Overdraft Defender” as a special privilege specifically for our checking account clients whose accounts are in good standing. There is absolutely no charge for this service unless you use it. You need not sign anything, and your own Overdraft Defender limit has automatically been assigned to you.

How It Works
As long as you maintain your Libertyville Savings Bank checking account in good standing, we may, at our discretion, honor your overdrafts up to the limit assigned. If you use Overdraft Defender, the Bank will deduct its normal overdraft charge of $30 per item . We will notify you by mail when an overdraft occurs. The notice will reflect the item(s) paid, as well as the Bank’s charge for the overdraft item(s). It is important to subtract the fees from the balance in your checkbook. Should you write checks that put you over your Overdraft Defender limit, the Bank may, at our discretion, return the check or checks to the payee(s). In addition, the normal insufficient funds fee of $30 per item will be charged to your account. An insufficient funds notice will be mailed to you.

Going Over Your Overdraft Defender Limit
Should you write checks that put you over your Overdraft Defender limit, the bank may, at our discretion, return the check or checks to the payee(s).  In addition, the normal insufficient funds fee of $30 per item will be charged to your account. An insufficient funds notice will be mailed to you.

If your checks are returned:

  • The merchant may charge you a fee when your check is returned unpaid and may be unwilling to accept checks from you in the future.
  • The person who accepted your check as payment may be charged a fee by his/her bank where he/she deposited your check.
  • Your credit rating may be adversely affected.

ATM and Debit Card Coverage
Your Overdraft Defender privilege may extend to transactions made at an ATM or with your Debit Card. In the case of an ATM, the balance shown on your receipt will reflect your actual balance, not including your Overdraft Defender limit. Other transactions which may, at our discretion, be honored under the Overdraft Defender privilege include:

Checks and other debits cashed at teller windows.
Debit card purchases.
ACH debit transactions (automatic payments).
Checks issued to a third party.
Automatic loan payment.
Regular checking limit is $300; Interest checking limit is $500.

Repaying Overdrafts And Fees
You will be required to bring your checking account into a positive balance within 15 calendar days of your overdraft.  If, after 35 days your account remains in a negative position, we may close your account and take appropriate steps to recover funds advanced to cover your overdrafts, as well as the Bank’s fees.  You do have the option to opt out of the Overdraft Defender program.  Please call one of our customer service representatives to discuss this option or other alternatives.

If you have questions about your Overdraft Defender, please call 1-641-472-9839 to speak with one of our friendly customer service representatives, or stop by one of our convenient branch locations.

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MyChoicePhoto Card

Personalize your Libertyville Savings Bank debit card with MyChoicePhoto card. After you receive your standard debit card, you can turn it into a design of your choice. Choose from a 1×1 photo or edge-to-edge photo.

Click here to learn more.

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Photo Debit Card

Our Libertyville Savings Bank photo debit card features your picture and signature on the front of the card. The photo serves as an effective way to visually validate your identity quickly to merchants. With this added security and protection, you can reduce the risk of fraud and use the card as a second form of identification. The photo debit cards are $10.00 plus applicable sales tax.

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Debit Card

Our Libertyville Savings Bank debit card gives you faster, more economical, and a more convenient way to buy the products and services you need.  It allows you to withdraw funds from your checking account without ever having to write out a check. You can purchase groceries, gas or anything else wherever Mastercard® is accepted.  The debit card functions as an ATM card also.

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VISA Gift Cards/Travel Cards/Corporate Incentive Cards

Giving a VISA Gift Card is the smart choice for birthdays, graduations, and anniversaries.  The VISA Corporate Incentive Card is perfect for employee rewards or incentive programs. Recipients will thank you because they can choose exactly what they want.  VISA Travel Cards can be used around the world anywhere VISA cards are accepted.  You choose the amount of cash loaded onto each type of VISA Card.

Perfect gift for clients and employees.
Safer than carrying cash.
You choose the amount loaded onto card.
Use anywhere VISA cards are accepted.

Choose the card that’s perfect for every occasion and safer than carrying cash—call us at 1-641-472-9839 to speak with one of our friendly bankers today. Not FDIC insured.

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Lock Boxes

We have a large range of sizes of lock boxes. They range from the smallest (2.5 inches by 4.5 inches), all the way up to 10 inches by 10 inches.

Keep your valuables and documents safe and secure with a Lockbox from us—just call 1-641-472-9839 to speak with an expert banker today.

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Credit Cards

Click here for more information.

Call us at (641) 472-9839 for more information.

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24 Hour Express Line from Libertyville Savings Bank
Libertyville Savings Bank's new Farm Management Program
Safe & Secure Online Banking from Libertyville Savings Bank in Iowa

 

Member FDIC and Equal Housing Lender