Privacy and Security

Annual Privacy Notice
To read the notice, please click here.

Safeguards and Resources

BankLiberty has safeguards in place to make sure your account information is secure.

Our website uses Secure Socket Layer (SSL) protocol, which protects your information from being intercepted.

  • We also use anti-virus protection and firewalls to prevent viruses and unauthorized access.
  • We require layered authentication for you to access your accounts online.
  • We will never call, email or otherwise contact you to request your user name, password, or other login credentials for the online services we offer. If you receive such a request, do not provide any information, and contact us at 816.407.9200.

It is also important that you review your account statements regularly. If you see any suspicious activity on your account, or have received a suspicious call, email, letter, etc., regarding your accounts with BankLiberty, please contact us. Regulation E provides some protection to consumer accounts, related to electronic funds transfers. Customers must notify us within 60 days of receiving an account statement on which the unauthorized transaction occurred. For more information, please refer to the Regulation E disclosure provided to you at account opening.

We also believe that educating our customers about security, both online and offline, will better protect you against fraud and identity theft. Please review the following to help protect your information.

Online Security

Access IDs and Passwords

  • Do not share user names or passwords with anyone and always keep this information in a secure location.
  • Always create unique user names and passwords. Never use the same login credentials for multiple websites.
  • Create strong user names and passwords by making them difficult to guess. Use a combination of upper case letter(s), lower case letter(s), number(s) and special character(s).
  • If a website does not force you to change your password periodically, take the initiative and change your password on a regular basis.

Email and Websites

  • Do not click on links or open attachments in suspicious emails.
  • Do not send personal or sensitive information by email, unless it is password-protected or encrypted.
  • Always Log Out of a website, instead of just closing the page.
  • When conducting online transactions, always make sure the site is secured (https, instead of http).

Computer Security

  • Password-protect your computer network (physical or wireless).
  • Use your computer’s security features, such as individual login accounts.
  • Keep your computer operating system security up-to-date by setting it to receive automatic updates.
  • Use quality security monitoring software on your computer that includes anti-virus, anti-malware and firewall functions. Make sure this software is also set to automatically update.

Mobile Device Security

  • Install security software on your Smartphone to help detect and prevent threats that can infect your phone.
  • Password-protect your phone.
  • When visiting password-protected websites, do not choose the automatic login option. Instead, take the time to login each time you visit these sites.
  • Only download applications from trusted sources.

Additional Information for Business Customers

In recent years, there has been an increase in unauthorized activity related to business accounts. Therefore, it is suggested that businesses conducting online transactions should have additional controls in place to help mitigate potential fraud.

  • In addition to the security tips above, business customers are encouraged to perform periodic assessments and evaluations of the security controls they have in place regarding online transaction processing.
  • Business customers should have a segregation of duties in place so that one person is not performing all steps of processing a transaction.
  • Put controls in place to limit transaction amounts and account access.


For additional information about protecting yourself online, please visit these websites.

Offline Security

  • Always shred documents that contain your personal information.
  • Store account information, blank checks and cancelled checks securely.
  • Protect your Personal Identification Number (PIN) for all credit and debit cards by memorizing it and never sharing it with anyone.
  • Use caution when inputting your PIN at the ATM and at the checkout when making purchases. Make sure others cannot see you entering it on the keypad.
  • Protect your Social Security number, and never give it out to make purchases or to qualify for prizes.
  • Beware of companies that claim you won a prize when you have never entered the contest.
  • Check your credit report annually.

Identity Theft

If you suspect that you are a victim of identity theft, take the following steps immediately.

  • Contact BankLiberty if there is fraudulent activity on your accounts with us.
  • Contact one of the credit reporting agencies to place a fraud alert on your credit report.
  • Order a credit report at to verify that everything is correct.
  • Close fraudulent accounts opened with your information. Be sure to keep detailed notes of all conversations and ask for a follow-up letter, in writing, showing that the account has been closed.
  • File a police report with your local law enforcement agency
  • Report the theft to the Federal Trade Commission by calling 1.877.IDTHEFT or visiting

Website Privacy Statement


We recognize the importance of protecting the privacy of personally-identifying information that may be submitted to us when you visit our website.

The information we receive depends on what you do when you visit our site. This is how we handle the information we learn about you from your visit to our website.

If you visit our site to read or download information on our web pages such as press releases and checking and savings account information:

We collect and store only the following information about you: name of the domain from which you access the Internet (for example,, if you are connecting from an America Online account, or a similar domain corresponding to your Internet Service Provider “ISP”); date and time you access our website; pages you may have visited on our site; and Internet address of the website from where you came to visit our website.

We use the information we collect to measure the number of visitors to the different pages and sections of our site, and to help us make our site more useful to visitors.

If you visit our website to use interactive banking tools such as financial calculators and self-tests:

You may be asked for personal information in order to complete the requested analysis or evaluation. This information is NOT retained. If you identify yourself by sending an e-mail or filling forms such as applications, check reorder forms, contact forms and guest registers:

You may be asked for personally-identifying information in order to process your e-mail, form or application. This information may be retained by us and our business partners for processing and to facilitate decisions. Information you submit to us is treated no differently than any information you might provide in a written format such as a brochure application, reorder slip to order checks, or a letter.

We protect and safeguard the privacy of users of our on-line services, just as we do throughout the rest of our business. We will use personal information to identify you, to communicate with you, and to help us answer your questions.

Security Statement

Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank’s Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

Secure Data Transfer

Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank’s server issues a public key to the end user’s browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet loan application and check reorder transactions are secure.