--- title: News & Insights (2) description: From personal to business checking, mortgage to personal loans, our retail team is dedicated to making sure we provide the best services and products possible for our customers in Sarasota and Manatee County. (2) --- - [News & Insights](https://www.libertysavingsbank.com/news-insights/) - [ATM Locations](https://www.libertysavingsbank.com/atm-locations/) - [Financial Centers](https://www.libertysavingsbank.com/locations/) - [Careers](https://www.libertysavingsbank.com/careers/) - [Online & Mobile Banking](https://www.libertysavingsbank.com/help/getting-started/about-online-and-mobile-banking/) - [Contact](https://value.libertysavingsbank.com/online-banking-consultation) - #### Banking - [Call the Freedomline at 800.436.6300](tel:8004366300) - [Freedomlineivr@Libertysavingsbank.com](mailto:Freedomlineivr@Libertysavingsbank.com) - [Schedule Branch Visit](https://value.libertysavingsbank.com/online-banking-consultation) #### Health Savings Accounts - [Call us at 844-424-2265](tel:8444242265) - [hsa@libertysavingsbank.com](mailto:hsa@libertysavingsbank.com) #### Existing Mortgage Loans - [Call us at 866-224-0131](tel:8662240131) - [customerservice@loanadministration.com](mailto:customerservice@loanadministration.com) - [libertysavingsbank.loanadministration.com](http://ibertysavingsbank.loanadministration.com) - Search - Search [![Liberty Savings Bank](https://news.libertysavingsbank.com/hubfs/Liberty_Savings_Bank_June2019/Images/logo.png)](https://www.libertysavingsbank.com/) - Banking - Personal - [Overview](https://www.libertysavingsbank.com/banking/personal/) - [Checking](https://value.libertysavingsbank.com/personal-checking-accounts) - [Online/Mobile Banking](https://www.libertysavingsbank.com/help/getting-started/about-online-and-mobile-banking/) - [MMDA - Money Market Deposit Account - Personal](https://www.libertysavingsbank.com/banking/personal/mmda/) - [Savings Accounts](https://www.libertysavingsbank.com/banking/personal/savings-accounts/) - [Certificates of Deposit](https://www.libertysavingsbank.com/banking/personal/cds-2/) - [Credit Cards](https://www.libertysavingsbank.com/banking/personal/credit-cards/) - [Reward Yourself](https://www.libertysavingsbank.com/banking/personal/reward-yourself/) - 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[Home Equity Line of Credit - HELOC](https://www.libertysavingsbank.com/mortgages/mortgage-loans-2/home-equity-line-of-credit_heloc/) - [Refinancing a Home](https://value.libertysavingsbank.com/compare-and-save) - [Fixed Rate Mortgage](https://www.libertysavingsbank.com/mortgages/mortgage-loans-2/fixed-rate-mortgage/) - [Adjustable Rate Mortgage](https://www.libertysavingsbank.com/mortgages/mortgage-loans-2/adjustable-rate-mortgage/) - [Jumbo Loans](https://www.libertysavingsbank.com/mortgages/mortgage-loans-2/jumbo-loans/) - [Mortgage Calculators](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/mortgage-calculators/) - [Senior Living](https://value.libertysavingsbank.com/senior-living) - First Home Buyers Guide - [Overview](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/) - [Glossary of Mortgage Terms](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/glossary-of-mortgage-terms/) - [Financing Process](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/financing-process/) - [What is Refinancing?](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/purchasing-or-refinancing/) - [Frequently Asked Questions](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/frequently-asked-questions/) - [Mortgage Calculators](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/mortgage-calculators/) - [Home Loan Teams](https://www.libertysavingsbank.com/mortgages/mortgage-loan-officers/) - [Overview](http://libertysavingsbank.com/mortgages/mortgage-loan-officers/) - [Bradenton/Wildewood Home Loan Team](https://value.libertysavingsbank.com/wildewood-mortgage-team) - [Sarasota/Stickney Home Loan Team](https://value.libertysavingsbank.com/stickney-mortgage-team-1) - [Sarasota/Square South Home Loan Team](https://value.libertysavingsbank.com/square-south-mortgage-team) - [Lakewood Ranch/Home Loan Team](https://value.libertysavingsbank.com/lakewood-ranch-florida-mortgage-team) - [Venice/Home Loan Team](https://value.libertysavingsbank.com/jacaranda-mortgage-team-2) - [1098 Mortgage Interest Statement](https://www.libertysavingsbank.com/mortgages/1098-mortgage-interest-statement/) - [Personal Loans](https://value.libertysavingsbank.com/personal-loans-florida) - [Commercial/Business Loans](https://value.libertysavingsbank.com/commercial-business-lending) - Support - Getting Started - [About Online and Mobile Banking](https://www.libertysavingsbank.com/help/getting-started/about-online-and-mobile-banking/) - [Installing the Mobile Banking App](https://www.libertysavingsbank.com/help/getting-started/installing-the-mobile-banking-app/) - [Accessing the Online Banking Site](https://www.libertysavingsbank.com/help/getting-started/accessing-the-online-banking-site/) - [Logging In](https://www.libertysavingsbank.com/help/getting-started/logging-in-overview/logging-in-for-the-first-time/) - [Logging Out Overview](https://www.libertysavingsbank.com/help/getting-started/logging-off-overview/logging-off-voluntarily/) - The Homepage - [Using the Menu](https://www.libertysavingsbank.com/help/the-home-page/using-the-menu/) - [Viewing Accounts](https://www.libertysavingsbank.com/help/the-home-page/viewing-accounts/) - [Viewing the Sidebar](https://www.libertysavingsbank.com/help/the-home-page/viewing-the-sidebar/) - [Account Information on the Home Page](https://www.libertysavingsbank.com/help/the-home-page/account-information-on-the-home-page/) - [Account Details Overview](https://www.libertysavingsbank.com/help/the-home-page/account-details-overview/) - Online Activity - [Creating Custom Views in the Online Activity Center](https://www.libertysavingsbank.com/help/online-activity/creating-custom-views-in-the-activity-center/) - [Sorting Transactions in the Online Activity Center](https://www.libertysavingsbank.com/help/online-activity/sorting-transactions-in-the-activity-center/) - [Viewing Transaction Details in the Activity Center Overview](https://www.libertysavingsbank.com/help/online-activity/viewing-transaction-details-in-the-activity-center-overview/) - [Copying A Transaction](https://www.libertysavingsbank.com/help/online-activity/approving-transactions/) - [Sending a Message About a Transaction in the Activity Center](https://www.libertysavingsbank.com/help/online-activity/sending-a-message-about-a-transaction-in-the-activity-center/) - [Printing Transaction Details from the Activity Center](https://www.libertysavingsbank.com/help/online-activity/printing-transaction-details-from-the-activity-center/) - [Exporting by Transaction Type in the Activity Center](https://www.libertysavingsbank.com/help/online-activity/exporting-by-transaction-type-in-the-activity-center/) - Personal Banking - [Enrolling for Financial Tools](https://www.libertysavingsbank.com/help/personal-banking/enrolling-in-cpfm/) - [Classic Bill Pay](https://value.libertysavingsbank.com/libertycard-onfile-and-instapay) - [Depositing a Check on Your Mobile Device](https://www.libertysavingsbank.com/help/personal-banking/depositing-a-check-on-your-mobile-device/) - [Managing Manual Accounts](https://www.libertysavingsbank.com/help/personal-banking/managing-manual-accounts/) - [Financial Tools: Using PFM Widgets](https://www.libertysavingsbank.com/help/personal-banking/using-pfm-widgets/) - Business Banking - [Canceling Pending Transaction](https://www.libertysavingsbank.com/help/business-banking/canceling-pending-transaction/) - [Approving Transactions](https://www.libertysavingsbank.com/help/business-banking/approving-transactions/) - [Explainer Videos](https://www.libertysavingsbank.com/help/explainer-videos/) - Banking - Personal - [Overview](https://www.libertysavingsbank.com/banking/personal/) - [Checking](https://value.libertysavingsbank.com/personal-checking-accounts) - [Online/Mobile Banking](https://www.libertysavingsbank.com/help/getting-started/about-online-and-mobile-banking/) - [MMDA - Money Market Deposit Account - Personal](https://www.libertysavingsbank.com/banking/personal/mmda/) - [Savings Accounts](https://www.libertysavingsbank.com/banking/personal/savings-accounts/) - [Certificates of Deposit](https://www.libertysavingsbank.com/banking/personal/cds-2/) - [Credit Cards](https://www.libertysavingsbank.com/banking/personal/credit-cards/) - [Reward Yourself](https://www.libertysavingsbank.com/banking/personal/reward-yourself/) - Business - [Overview](https://www.libertysavingsbank.com/banking/business/) - [Checking](https://www.libertysavingsbank.com/banking/business/checking/) - [MMDA – Money Market Deposit Account – Business](https://www.libertysavingsbank.com/banking/business/mmda/) - [Visa Business Check Cards](https://www.libertysavingsbank.com/banking/business/visa-business-check-card-2/) - Nonprofit - [Overview](https://www.libertysavingsbank.com/banking/nonprofit/) - [Nonprofit Checking](https://www.libertysavingsbank.com/banking/nonprofit/nonprofit-checking/) - [MMDA – Money Market Deposit Account – Nonprofit](https://www.libertysavingsbank.com/banking/nonprofit/mmda/) - [Visa Business Check Cards for Nonprofits](https://www.libertysavingsbank.com/banking/nonprofit/business-check-card/) - Home Loans - Home Loan Options - [Overview](https://www.libertysavingsbank.com/mortgages/mortgage-loans-2/) - [Apply Now](https://lsbmtg.mymortgage-online.com/?loanapp&siteid=6096984036&workFlowId=61437) - [Buying a Home](https://www.libertysavingsbank.com/mortgages/mortgage-loans-2/buying-a-home/) - [Home Equity Line of Credit - HELOC](https://www.libertysavingsbank.com/mortgages/mortgage-loans-2/home-equity-line-of-credit_heloc/) - [Refinancing a Home](https://value.libertysavingsbank.com/compare-and-save) - [Fixed Rate Mortgage](https://www.libertysavingsbank.com/mortgages/mortgage-loans-2/fixed-rate-mortgage/) - [Adjustable Rate Mortgage](https://www.libertysavingsbank.com/mortgages/mortgage-loans-2/adjustable-rate-mortgage/) - [Jumbo Loans](https://www.libertysavingsbank.com/mortgages/mortgage-loans-2/jumbo-loans/) - [Mortgage Calculators](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/mortgage-calculators/) - [Senior Living](https://value.libertysavingsbank.com/senior-living) - First Home Buyers Guide - [Overview](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/) - [Glossary of Mortgage Terms](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/glossary-of-mortgage-terms/) - [Financing Process](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/financing-process/) - [What is Refinancing?](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/purchasing-or-refinancing/) - [Frequently Asked Questions](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/frequently-asked-questions/) - [Mortgage Calculators](https://www.libertysavingsbank.com/mortgages/first-home-buyers-guide/mortgage-calculators/) - [Home Loan Teams](https://www.libertysavingsbank.com/mortgages/mortgage-loan-officers/) - [Overview](http://libertysavingsbank.com/mortgages/mortgage-loan-officers/) - [Bradenton/Wildewood Home Loan Team](https://value.libertysavingsbank.com/wildewood-mortgage-team) - [Sarasota/Stickney Home Loan Team](https://value.libertysavingsbank.com/stickney-mortgage-team-1) - [Sarasota/Square South Home Loan Team](https://value.libertysavingsbank.com/square-south-mortgage-team) - [Lakewood Ranch/Home Loan Team](https://value.libertysavingsbank.com/lakewood-ranch-florida-mortgage-team) - [Venice/Home Loan Team](https://value.libertysavingsbank.com/jacaranda-mortgage-team-2) - [1098 Mortgage Interest Statement](https://www.libertysavingsbank.com/mortgages/1098-mortgage-interest-statement/) - [Personal Loans](https://value.libertysavingsbank.com/personal-loans-florida) - [Commercial/Business Loans](https://value.libertysavingsbank.com/commercial-business-lending) - Support - Getting Started - [About Online and Mobile Banking](https://www.libertysavingsbank.com/help/getting-started/about-online-and-mobile-banking/) - [Installing the Mobile Banking App](https://www.libertysavingsbank.com/help/getting-started/installing-the-mobile-banking-app/) - [Accessing the Online Banking Site](https://www.libertysavingsbank.com/help/getting-started/accessing-the-online-banking-site/) - [Logging In](https://www.libertysavingsbank.com/help/getting-started/logging-in-overview/logging-in-for-the-first-time/) - [Logging Out Overview](https://www.libertysavingsbank.com/help/getting-started/logging-off-overview/logging-off-voluntarily/) - The Homepage - [Using the Menu](https://www.libertysavingsbank.com/help/the-home-page/using-the-menu/) - [Viewing Accounts](https://www.libertysavingsbank.com/help/the-home-page/viewing-accounts/) - [Viewing the Sidebar](https://www.libertysavingsbank.com/help/the-home-page/viewing-the-sidebar/) - [Account Information on the Home Page](https://www.libertysavingsbank.com/help/the-home-page/account-information-on-the-home-page/) - [Account Details Overview](https://www.libertysavingsbank.com/help/the-home-page/account-details-overview/) - Online Activity - [Creating Custom Views in the Online Activity Center](https://www.libertysavingsbank.com/help/online-activity/creating-custom-views-in-the-activity-center/) - [Sorting Transactions in the Online Activity Center](https://www.libertysavingsbank.com/help/online-activity/sorting-transactions-in-the-activity-center/) - [Viewing Transaction Details in the Activity Center Overview](https://www.libertysavingsbank.com/help/online-activity/viewing-transaction-details-in-the-activity-center-overview/) - [Copying A Transaction](https://www.libertysavingsbank.com/help/online-activity/approving-transactions/) - [Sending a Message About a Transaction in the Activity Center](https://www.libertysavingsbank.com/help/online-activity/sending-a-message-about-a-transaction-in-the-activity-center/) - [Printing Transaction Details from the Activity Center](https://www.libertysavingsbank.com/help/online-activity/printing-transaction-details-from-the-activity-center/) - [Exporting by Transaction Type in the Activity Center](https://www.libertysavingsbank.com/help/online-activity/exporting-by-transaction-type-in-the-activity-center/) - Personal Banking - [Enrolling for Financial Tools](https://www.libertysavingsbank.com/help/personal-banking/enrolling-in-cpfm/) - [Classic Bill Pay](https://value.libertysavingsbank.com/libertycard-onfile-and-instapay) - [Depositing a Check on Your Mobile Device](https://www.libertysavingsbank.com/help/personal-banking/depositing-a-check-on-your-mobile-device/) - [Managing Manual Accounts](https://www.libertysavingsbank.com/help/personal-banking/managing-manual-accounts/) - [Financial Tools: Using PFM Widgets](https://www.libertysavingsbank.com/help/personal-banking/using-pfm-widgets/) - Business Banking - [Canceling Pending Transaction](https://www.libertysavingsbank.com/help/business-banking/canceling-pending-transaction/) - [Approving Transactions](https://www.libertysavingsbank.com/help/business-banking/approving-transactions/) - [Explainer Videos](https://www.libertysavingsbank.com/help/explainer-videos/) ![FDIC Logo](https://news.libertysavingsbank.com/hubfs/logo-fdic.svg) FDIC-Insured - Backed by the full faith and credit of the U.S. Government # News & Insights [Home](https://www.libertysavingsbank.com/)**News & Insights** ### [Common Reasons SBA Loans Get Denied and How to Fix Them](https://news.libertysavingsbank.com/blog/common-reasons-sba-loans-get-denied-and-how-to-fix-them) Getting approved for an [SBA loan](https://news.libertysavingsbank.com/blog/what-are-the-different-types-of-sba-loans) can be an important step toward buying a business, expanding your location, purchasing equipment, or strengthening.. [Read More](https://news.libertysavingsbank.com/blog/common-reasons-sba-loans-get-denied-and-how-to-fix-them) ### [Why Scammers Pretend to Be Your Bank—and What to Do](https://news.libertysavingsbank.com/blog/why-scammers-pretend-to-be-your-bank-and-what-to-do) Imagine getting a text from your bank while you're having your morning coffee: ***“Did you authorize this $2,847 purchase? Reply YES to confirm or call..*** [Read More](https://news.libertysavingsbank.com/blog/why-scammers-pretend-to-be-your-bank-and-what-to-do) ### [551 New Neighbors a Day: Why Florida's Growth Is a Business Opportunity](https://news.libertysavingsbank.com/blog/551-new-neighbors-a-day-why-floridas-growth-is-a-business-opportunity) Somewhere in Florida today, 551 people will sign a lease, close on a house, or carry the last box through a new front door. Tomorrow, 551 more will.. [Read More](https://news.libertysavingsbank.com/blog/551-new-neighbors-a-day-why-floridas-growth-is-a-business-opportunity) ### [1099 vs. W-2 Income: How Mortgage Lenders Look at Each](https://news.libertysavingsbank.com/blog/1099-vs.-w-2-income-how-mortgage-lenders-look-at-each) For a W-2 employee, proving income for a mortgage can feel fairly straightforward: provide recent pay stubs, W-2s and other requested documentation,.. [Read More](https://news.libertysavingsbank.com/blog/1099-vs.-w-2-income-how-mortgage-lenders-look-at-each) ### [How Much Cash Should a Small Business Keep in Reserve?](https://news.libertysavingsbank.com/blog/how-much-cash-should-a-small-business-keep-in-reserve) A business can be profitable on paper and still run into trouble when cash gets tight. A major customer pays late. A piece of equipment breaks... [Read More](https://news.libertysavingsbank.com/blog/how-much-cash-should-a-small-business-keep-in-reserve) ### [How Cybercriminals Are Using Fake Websites to Steal Your Information](https://news.libertysavingsbank.com/blog/how-cybercriminals-are-using-fake-websites-to-steal-your-information) When most people think about online scams, they picture an obviously suspicious email, a strange text message or a phone call from someone claiming.. [Read More](https://news.libertysavingsbank.com/blog/how-cybercriminals-are-using-fake-websites-to-steal-your-information) ### [From One Truck to a Fleet: Financing Growth for HVAC and Plumbing Businesses](https://news.libertysavingsbank.com/blog/from-one-truck-to-a-fleet-financing-growth-for-hvac-and-plumbing-businesses) For an HVAC or plumbing business, growth can happen one service call at a time. One truck becomes two. Two technicians become five. A small shop.. [Read More](https://news.libertysavingsbank.com/blog/from-one-truck-to-a-fleet-financing-growth-for-hvac-and-plumbing-businesses) ### [Is Your Business Ready to Buy Commercial Real Estate in Florida?](https://news.libertysavingsbank.com/blog/is-your-business-ready-to-buy-commercial-real-estate-in-florida) For many business owners, buying the building where they operate can feel like a major milestone. Instead of writing a rent check to a landlord.. [Read More](https://news.libertysavingsbank.com/blog/is-your-business-ready-to-buy-commercial-real-estate-in-florida) ### [Join Liberty Savings Bank at Mama G’s German Bakery on August 26th](https://news.libertysavingsbank.com/blog/join-liberty-savings-bank-at-mama-gs-german-bakery-on-august-26th) If there’s one thing that can make a Wednesday morning a little better, it’s a fresh-baked treat from one of Venice’s favorite local spots. Next.. [Read More](https://news.libertysavingsbank.com/blog/join-liberty-savings-bank-at-mama-gs-german-bakery-on-august-26th) ### [The New Southwest Florida Customer: Who Is Actually Moving Here?](https://news.libertysavingsbank.com/blog/the-new-southwest-florida-customer-who-is-actually-moving-here) For years, the story of Southwest Florida's growth was fairly easy to tell: retirees were moving south, buying homes, eating out, playing golf and.. [Read More](https://news.libertysavingsbank.com/blog/the-new-southwest-florida-customer-who-is-actually-moving-here) [Previous](https://news.libertysavingsbank.com/blog/page/1) [All posts](https://news.libertysavingsbank.com/blog/all) [Next](https://news.libertysavingsbank.com/blog/page/3) #### Subscribe to our blog *“*They are a hands-on company and have been there every step of the way.*”* **TOM – Local Sarasota Liberty Customer** ## *You can trust liberty* ## Liberty has hundreds of ★★★★★ reviews. Backed by the FDIC. Bauer recommended. 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