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[IL] Liberty Bank For Savings $350 Checking + $250 Savings + $300 When You Do Both


Offer at a glance

  • Maximum bonus amount: $900
  • Availability: IL
  • Direct deposit required: Yes two deposits, no minimum specified
  • Additional requirements: Yes, two online bill payments, no minimum specified
  • Hard/soft pull: Soft
  • Credit card funding: Unknown
  • Monthly fees: None 
  • Early account termination fee: None 
  • Household limit: One
  • Expiration date: None listed

The Offer

Direct link to offer

  • Liberty Bank For Savings is offering a checking & savings bonus of up to $900:
    • Get a $350 bonus when you open a new personal checking account (excluding Jumbo checking) and receive 2 recurring monthly direct deposits of $500+ within 90 days
    • Get a $250 bonus when you open a statement or passbook within $15,000 in new money (not from another Liberty account). Keep at least $15,000 there for 180 days
    • Get an extra $300 when you do both

The Fine Print

  • Liberty Bank for Savings reserves the right to discontinue these products or offers at any time. Only one (1) Checking & Savings offer per household regardless of the number of accounts opened. Checking & Savings offers cannot be combined with other offers. Offers apply to accounts used for personal purposes only. Offers are not available to those under 18 years of age, Liberty Bank employees and their immediate families. If either account is closed by the customer or by Liberty within 90 days of account opening, a $40 fee will apply. The bonuses paid may constitute income under Internal Revenue Service (IRS) regulations and will be properly reported. The annual percentage yield (APY) will vary depending on the savings or checking account selected. Rates may change at any time and fees could reduce the earnings on the account.
  • $350 Checking Bonus: Offer not applicable to existing Liberty Bank checking customers or Jumbo Checking. Bonus will be credited to the customer’s new Checking account within 30 days after they receive two (2) recurring monthly ACH direct deposit credits (payroll or government benefits) of $500+ each to this account within 90 days after account opening. If the bonus has been applied and the account is closed within 180 days of account opening, the amount of the bonus will be deducted at closing. An example of interest and tiers for an interest-bearing checking account is as follows, as of 10/27/26 Affinity Checking pays an APY of 0.01% for $1,000-$4,999.99, 0.25% for $5,000 and up.
  • $250 Savings Bonus: Existing Liberty Bank savings customers are eligible. Bonus will be credited to the customer’s new Statement Savings Account within 30 days after they open a new savings account with $15,000 of new money (check cannot be drawn from a Liberty account) and maintain a balance of $15,000 or more for 180 days. An example of interest and tiers for an interest-bearing savings account is as follows, as of 10/27/26 our Statement Savings accounts is paying an APY of 0.10% for $500-$4,999.99, 0.20% for $5,000-$49,999.99, 0.30% for $50,000-$249,999.99 and 0.40% for $250,000 and up.
  • $300 Relationship Bonus: To qualify, the new checking and savings accounts must be opened at the same time. The additional $300 bonus will be credited to the customer’s new savings account within 30 days after all requirements for both the checking and savings bonuses have been met.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fee. 

Early Account Termination Fee

There is an early account termination fee of $50 if you cancel the account within 90 days of account opening

Our Verdict

Savings account earns 0.2%, the $250 savings bonus and $300 bonus make it an annualized return of 14.5%.

Hat tip to reader snailrock

Useful posts regarding bank bonuses:

Can SpaceX Overcome the AI Trade Sell-Off?


Artificial intelligence (AI) stocks are stumbling lately as shareholders scrutinize tech companies’ latest quarterly results. What they’re looking for are signs of life from the monumental investments the companies are making in AI infrastructure.

Not all of them are finding it.

Space Exploration Technologies (SPCX -6.37%) investors initially seemed enthused by the company’s AI revenue surging 830% in the third quarter. It was an impressive gain and indicates that SpaceX’s spending — as high as it is — could potentially be worth the costs. But shareholders quickly pivoted back to their skepticism, and it’s kept SpaceX’s stock below its initial IPO price months after its debut.

So, can SpaceX overcome the current AI trade sell-off? Here’s why SpaceX shareholders are facing an uphill battle right now.

Image source: Getty Images.

What’s causing the AI sell-off right now?

Many AI stocks have stumbled over the past couple of months as investors have questioned whether the massive ramp-up in data center infrastructure investments will pay off over the long run.

And there are mixed messages about whether it’s working. Microsoft recently reported that its Azure cloud revenue for Q1 of fiscal 2027 (ended Sept. 30), which includes AI sales, rose 48% to $33.1 billion. And management said Azure revenue will increase by up to 50% this quarter. That comes after Azure’s annual sales topped $100 billion for the first time in fiscal 2026.

Accelerating Azure sales is a good indicator that Microsoft’s capital expenditures — which were $45 billion in the first quarter — are paying off.

But other AI stocks haven’t fared as well. Investors punished Alphabet after its recent third-quarter results (ended Sept. 30), as its capital expenditures reached $51.3 billion and the company missed analysts’ estimates for consensus sales and earnings. Alphabet stock fell about 10% the day after its Q3 results were released.

In short, investors are looking very closely at whether capex is paying off, and if they think a company is missing the market, they’re not very forgiving.

SPCX Space Exploration Technologies

$134.72-$9.17 (-6.37%)

NASDAQ · As of 4:00 PM ET 10/30/26

How SpaceX is weathering the AI storm

It’ll come as no surprise to tech investors following the AI market that SpaceX shares have been a disappointment since the company’s IPO back in June. They’re down about 5% from their opening price of $150, as of this writing.

But the company is showing significant signs of life in its artificial intelligence segment (which includes its Grok bot and the rental of AI cloud capacity to customers). SpaceX’s AI sales spiked 830% to $7.6 billion in the third quarter (which ended Sept. 30), now accounting for 52% of the company’s total revenue.

That’s impressive growth, but shareholders are still hesitant to get excited. That’s likely because SpaceX’s capex surged 185% to $19.6 billion in the quarter, with 83% of that allocated to AI.

The good news for SpaceX is that the company isn’t completely reliant on its AI business. Sales from its Starlink satellite internet business rose 69% to $5.2 billion, and it has 13.6 million subscribers and is profitable. And its space launch business is growing, with 12 launches in the quarter and a 6% revenue increase to $1.8 billion.

Still, SpaceX can’t shake its high AI spending, and I think it’s perfectly reasonable for shareholders and potential investors to be skeptical about spending right now. While the company’s AI investments are starting to pay off, it says capex will reach up to $40 billion this year.

This means investors need to keep an eye on whether SpaceX can maintain its artificial intelligence sales acceleration as spending rises. I think the (justified) pessimism about so much capex could hamper SpaceX’s stock for a while.

Adding all of the above together makes it unlikely that SpaceX will overcome the AI trade sell-off at the moment and could struggle to gain ground if investors continue to doubt tech companies’ AI investments.

Many originators are underusing the AI tools already available


One AI researcher-turned-mortgage CEO says loan officers are leaving a lot on the table



Employee Engagement Is Tanking. These HBR Articles Can Help.


Employee engagement in the United States has fallen to its lowest level in 15 years. According to Gallup’s latest numbers, just 29% of employees were engaged in the third quarter of 2026, a level not seen since the aftermath of the 2008 financial crisis. This is down from 31% the previous quarter and a peak of 36% in 2020.



AI Investment Opportunities: Why Investability Matters More Than Scarcity


Yet that result is far less visible to a global allocator than the equivalent performance in a developed market. This raises a larger question about how much investable value remains obscured by weak data, benchmarks, and market infrastructure. This is only one measurement problem in one market, but it points to a larger one. If better data can materially change the return investors observe, then better benchmarks, custody, disclosure, settlement, research, and market access can certainly change which opportunities they are willing and able to own.

Therein lies the unspoken battle of the AI trade. The competition will not remain only between companies. It will increasingly be between geographies and exchanges competing to turn physical importance into investable value.

Today, the easiest way to express many of these themes is still through developed-market securities, even though important parts of the underlying supply chain sit elsewhere. The opportunity is to identify the markets closest to critical supply-chain bottlenecks as they become more accessible to global investors and begin to be priced accordingly. Investors have already been exploiting this disconnect, not as a future thesis, but as a source of returns today.

AI will change what is scarce. It will not decide who captures that scarcity premium. The true asymmetric opportunity of this trade is not about finding another company with AI exposure, but instead, recognizing where strategic importance is finally becoming measurable, accessible, and investable.

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