Important Security Reminder

Please do not share sensitive information by phone or text message. If you are ever unsure whether a communication is legitimate, contact Texas Heritage National Bank directly at (903) 645-2251. Remember: Texas Heritage National Bank will never ask for sensitive account or debit card information by phone or text message.

Liberty Checking Account

Liberty Checking keeps things simple.

With no transaction limits and an easy way to waive your monthly charge, it’s designed for everyday banking without the hassle.

Whether you’re opening your first account or just want one that doesn’t get in the way, Liberty is a no-fuss option that still comes with personal service.

Open an Account  ↗  Find a Branch 


Is Liberty Checking Right for You?

This account may be a good match if you:

  • Want a straightforward checking account with minimal fees
  • Keep a modest balance and use your account regularly
  • Prefer digital banking but appreciate the option for in-person service


Account Features

  • No transaction fees
  • Canceled checks available via eStatements
  • Online and mobile banking with debit card access
  • FDIC insured


Account Requirements

Minimum to open: $100


Monthly Service Charge

$10 monthly service charge. Waived with a $200 daily minimum balance.


Debit Transactions

Unlimited debit transactions with no additional fees


Transaction Limits

None.



Simple, Flexible, and Built for Everyday Banking

Liberty Checking is an ideal everyday account, especially if you keep a steady balance and want a straightforward way to manage your money.

Open an Account  ↗  Find a Branch