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Liberty National Bank (WeAreLiberty.BANK) — In-Depth Review & Legitimacy Analysis
Liberty National Bank (LNB), accessible via WeAreLiberty.Bank, presents itself as a full-service U.S.-based community bank rooted in Oklahoma and North Texas. On its website, it offers personal and business banking services such as checking accounts, online and mobile banking (via its “myLiberty” app), Zelle transfers, merchant services, and fraud protection features. According to its “About Us” page, the bank has a long history: it began in 1902 as the Bank of Elgin, Oklahoma, and rebranded to Liberty National Bank in 2002, now serving several branches across Oklahoma and a location in Frisco, Texas.
The website also emphasizes security, offering fraud alerts and educational content about phishing, email and text-message scams. Their routing number is publicly given (103107392), consistent with official U.S. bank routing directories.
In short: this is not a faceless “scammy” landing page, but rather a real, chartered bank with physical branches and a long operating history.
After analyzing WeAreLiberty.Bank, the evidence strongly supports it being a legitimate U.S. bank, not a fraudulent or scam website.
Chartered Bank: Liberty National Bank (LNB) is a real, chartered financial institution. Its website clearly shows corporate leadership, history, mission, branch locations, and physical addresses.
Regulated Banking Details: The routing number (103107392) matches public routing number registries.
FDIC-Type Language: Their legal terms document references monitoring, but also legitimate banking disclosures and the “Computer Fraud and Abuse Act,” suggesting serious regulatory compliance.
Fraud Education & Transparency: The bank proactively publishes detailed content on fraud, phishing, and how to stay safe — a positive sign for a real financial institution.
Customer Support: Their FAQ page provides real phone numbers (e.g., 855-351-2265) for support, and guidance for resetting passwords, enrolling, etc.
Therefore, while any online bank must be used with proper security hygiene, the indicators overwhelmingly point to authenticity, not a scam.
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