Yes! Each customer is insured, by the FDIC, up to $100,000.

 

Can I open an account
if I don't live in the United States
or I am not yet a citizen ?

We only accept applications from individuals residing within the United States, with valid U.S. tax identification numbers (Social Security Numbers).

We welcome your questions and invite you to contact us.

 

To what extent can I conduct my banking from my home or office ?

Due to the benefits of modern technology and the rise of home and office computing, there is almost nothing you can't do from the comfort of your own home or office.

We make it easy with services like:

• Direct Deposit
• Telephone Banking
• Online Banking
• Online Bill Payment
• Bank Statements
• Mastercard Statements
• ScoreCard Rewards
• ATM Network

Even more freedom when you open a Leadership Banking checking account. NO ATM FEES anytime, anywhere.

 

How do I access my accounts online ?

How do I set up Direct Deposit of my payroll check ?

 

 

 

 

With your Checking Account you will receive a routing number, transit number and account number.

If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

Our Switch Assistant can help guide you through this process.

 

Are wire transfers possible to and from my checking account ?

How do I set up Direct Deposit of my Social Security check ?

 

 

 

 

 

With your Checking Account you will receive a routing number, transit number and account number.

Simply contact us and have your Social Security Number and account information available to set up your direct deposit right over the phone.

 

Are wire transfers possible to and from my checking account ?

 

 

Yes! Funds can be transferred to and from your account(s) by wire transfer or via ACH (Automated Clearing House) debits or credits.

Contact us for more details.

 

How do I make a deposit to my account from a remote location ?

Most deposits can be made by taking advantage of Direct Deposit. You can also make deposits at our ATM's or via ACH (Automated Clearing House) transactions.

We also offer a bank-by-mail service which allows you to mail non recurring deposits.

Contact us for details on a method that works best for you.

 

How do I access my accounts online ?

You have many options as to how you can access your accounts online.

Checking Accounts, Savings Accounts and Loan Services can take advantage of Telephone Banking which is automatically available to all customers.

Online Bank Statements acts as an online version of your offline statement. Activating this service will discontinue your offline statements.

Online Banking and Online Bill Payment services enable you to interact with your checking, savings and loan service accounts on a day to day basis. Pay your bills and loan payments electronically.

Online Mastercard Statements acts as an online version of your offline credit card statement. Pay your statement bills online and keep track of your credit card transactions.

Online ScoreCard Rewards opens up a whole new world of online rewards, in conjunction with your Mastercard.

 

What products can I apply for online ?

 

 

 

 

Once you have a Checking Account, Savings Account, Loan Service or Card Service you may activate many value added services online or by telephone. Please reference activation instructions available on the respective service page.

Activate Telephone Banking

Activate Online Banking

Activate Online Bill Payment

Activate Bank Statements

Activate Mastercard Statements

Access ScoreCard Rewards

 

Can I access both my Business
and Personal accounts under
the same user ID ?

Yes, if the business account(s) is set up as a sole proprietorship with your social security number as the tax ID for the business.

 

How frequently is my information updated ?

All information and transactions are updated nightly. Whether you access your accounts online, via telephone or visit one of our locations, your account information is updated every business night, excluding weekends and holidays, to reflect all account activity.

 

Can I look at all of my transactions at any time ?

Yes! Personal Online Banking allows you to view your checking, savings and loan service transactions, 24 hours a day, 7 days a week! Transactions are updated nightly.

Mastercard Statements allows you to keep track of your credit card transactions 24 hours a day, 7 days a week.

 

How do I sign-up for Personal Online Banking ?

Personal Online Banking enables you to interact with your checking, savings and loan service accounts on a day to day basis.

Click Here to get started and activate your Online Banking experience.

 

Why can't I see my past "Account History" within Online Banking ?

Why can't I see my past "Account History" within Online Banking ?

Your new Online Banking account tracks your account history from the point at which your NEW account is activated.

You will still have a record of any prior payments on your prior bank statements.

 

How does Online
Bill Payment work ?

I'm still hesitant about banking online. Can other people see my information ?

Forget about rushing to the post office before 5pm or buying stamps. We’ve got you covered. Online Bill Payment is like an electronic version of your checkbook. Instead of writing checks every month you can now pay your bills with the click of a button. Automate payments, save time and more effectively manage your money with tools designed to help you.

• Online Bill Payment

 

Are all payments made electronically ?

Whenever a payment can be made electronically this method will be used. This is generally dependent on the relationship with the payee (such as the cable company, utility company, etc.), the amount of the transaction and how long you have been using bill payment services.

Until an “electronic” relationship has been established, with the payee, payments will be made by paper check or draft. These paper items will post to your checking account and will have check numbers in the 5,000 range.

 

Why might my checking account
show checks posted in the 5,000 range ?

 

 

 

Whenever a payment can be made electronically this method will be used. This is generally dependent on the relationship with the payee.

Until an “electronic” relationship has been established, with the payee, payments will be made by paper check or draft.

Paper items posting to your checking account, in the 5,000 range, represent bills from Online Bill Payment which are being paid by physical check instead of electronically. Your bank statement will include all the details of these transactions.

 

Why is it important to enter
the "Payment Due Date"
when entering bills ?

How do I sign-up for
Online Bill Payment ?

 

 

 

Online Bill Payment is a service that adds additional functionality to an existing Personal Online Banking experience.

For those who already have a Personal Online Banking account, click here to activate Online Bill Payment.

 

How do I use the
Bill Payment system ?

Sign In to your Online Banking account and go to the Bill Payment portion of your account.

Locate the "Help" button, to the right of the page. This section provides detailed step-by-step instructions.

 

How long does it take to setup a new payee in the Bill Payment system ?

Once you have entered a new payee into the Bill Payment system, it takes two business days to set up the payee to receive payments.

 

Can I enter a bill payment to the new payee during those two business days ?

Yes! You may enter a payment to your new payee immediately; however, the payment will not actually be made until the payee is set up.

Any payments made to the payee before the payee is added to the system will be delayed by approximately two business days.

 

Why is it important to enter
the "Payment Due Date"
when entering bills ?

The NEW Online Bill Payment system works off of the Payment Due Date.

This means when you enter the date the payment is due the system will work backwards to begin processing the payment in time for it to reach the payee.

You will be presented with a calendar showing the earliest date available for payment based on the method of payment (paper draft, electronic payment, etc.)

The new system takes care of the calculations and guarantees timely payment. In most cases, payments are not drawn on your account prior to the due date. This allows your money to stay in your account for longer, earning you more interest.

 

What is the approximate delivery time for payments made via Online Bill Payment ?

 

The delivery time for payments made via Online Bill Payment is determined automatically. Simply select the date you would like your payment to be received and we guarantee your payment arrives on time.

Forget about rushing to the Post Office before 5pm or buying stamps. We’ve got you covered! Pay your bills anytime and anywhere you wish!

 

Yes! Sign In to Online Banking and go to the Bill Payment portion of your account.

Locate the "Messages" button, to the right of the page. This section provides alert messages in conjunction with your account.

At any given time you can view 365 days worth of statements. Of course, this assumes you have had your bank account for at least 365 days. Check images are also available for prior periods, by clicking on the check numbers or deposit links within Online Bank Statements.

 

I keep getting this prompt for something called Enhanced Login Security ?

This is a new feature we are offering to help improve the security of your Online Banking account. It will help prevent unauthorized access to your account. Once you’ve enrolled your computer, you won’t even know it’s there!

 

I often use a public computer. Should I go ahead and enroll that computer ?

We recommend that you do not enroll a public computer. It is better to continue to answer the challenge questions.

How is my identity authenticated ?

The first time you enroll, you are authenticated with a user ID and password. Once you have enrolled in Enhanced Login Security, two factors are always required. If you attempt to sign in from an unenrolled computer you will be required to authenticate through additional challenge questions.

 

Can I enroll multiple computers ?

Yes, you can enroll multiple computers but we recommend not enrolling computers with public-access, as in the case of a public library or hotel.

How will you handle accessing multiple accounts from one computer ?

You will be able to access multiple accounts from the same computer. One secure cookie will be stored in the browser for each account.

When will I get challenged ?

If you are enrolled in Enhanced Login Security and the computer lacks the secure cookie credential, you will be challenged.

 

Your account information is just as secure as it is at your physical brick and mortar bank. We've taken every step possible to ensure our systems meet the latest security standards, encryption methods and software.

• Encryption
• Authorization
• Computing Safety Tips

 

All our online applications utilize the latest encryption technologies to secure any data being transmitted between your computer and our servers.

Please be aware that standard email applications like Yahoo Mail, Hotmail, Microsoft Outlook, among others, are not a secure method of communicating sensitive information online. Secure Email is available for secure online email communication, otherwise please call us directly with any questions you may have.

Click here to learn more about how encryption works.

• Authorization
• Computing Safety Tips

 

What about information that is stored on your systems. Is it encrypted as well ?

 

 

 

 

Any information stored on our systems is protected by the highest levels of security available.

 

Encryption is a way to rewrite sensitive information into a special code or language which can then be transmitted from one location to another.

During transit this information is unreadable in its encrypted form. This coded information can only be decoded by your computer and our systems.

Our systems employ the latest encryption technologies meaning sensitive information is encrypted at least 128 times before it is ever transmitted via the Internet.

To fully benefit from these encryption technologies it is recommended that your internet browser be Internet Explorer 6.0, Netscape 7.0 or a more recent version.

• Encryption
• Authorization
• Computing Safety Tips