The phone, answered.
You will speak to a person in under 90 seconds. They will be in North Carolina, and they will know what they are doing. This has been true since 1908.
Since 1908 · 117 Years
Banking that has lasted through
Banking that has lasted through
twelve recessions,
three world wars, and
one pandemic.
Liberty Heritage is a community bank, deliberately. We answer the phone before the second ring, we keep mortgages on our books, and we measure our success in decades — not quarters.
★ 4.8 / 5 · 12,400+ reviews
BBB A+ · 12 years running
Member FDIC
By the numbers, the year 2025.
Annual Report · Page 04$0.0BAssets under management
0KCustomers served
$0.0MReinvested locally
0Years of operation
Every promise we make is old-fashioned.
The way banking ought to work hasn't changed in a hundred years. We've just made it newer.
Mortgages we keep.
Your loan does not get sold to a servicer in another state. We originate it, we hold it, and your payment goes to the building you walked into.
FDIC-insured. Twice.
Every deposit is federally insured to $250,000. Above that, our sweep program extends coverage to $25 million. We do not lose sleep, neither should you.
A mobile app that respects you.
Face ID, mobile check deposit, Zelle®, Apple Pay, instant card freeze, real-time fraud alerts. No upsells in the way of the money. Rated 4.9 in the App Store.
Capital deployed where it lives.
$48 million reinvested locally last year through small-business loans, affordable mortgages, and direct grants. Our small-business approval rate is 67%, more than double the regional average.
Built to be boring.
We don't lend to crypto exchanges, we don't have a SPAC, and we have never been sanctioned by a regulator. Boring is the product.
As referenced in
The Wall Street Journal
American Banker
Forbes
Bloomberg
The Charlotte Observer
I have banked with Liberty Heritage for fourteen years. They picked up the phone at 2:14 AM when a stranger tried to withdraw from my account in another country. The next morning, the charge was already reversed.Maria L., small-business owner, Charlotte branch
Open an account in 5 minutes
Move your money to a bank that remembers your name.
No hidden fees. No minimum balance on most checking accounts. $200 welcome bonus when direct deposit is established within 60 days.*
* Promotional terms apply. See offer details. Liberty Heritage is a Member FDIC institution and an Equal Housing Lender.