Online Banking – Frequently Asked Questions
Leader Bank Online Bill Pay
Leader Bank Online Bill Pay provides two services in one. The bill payment service lets you receive and pay bills online. With e-mail payments you can electronically send money to and receive money from anyone with an e-mail address and a U.S. bank account. The only payments you cannot make through your bill payment service are court-ordered payments, state and federal tax payments, and international payments. You use payment accounts that you specify—accounts you already have with Leader Bank, N.A..
The bill payment features let you:
  • Pay anyone, anytime, anywhere in the United States, from your mortgage lender to your newspaper carrier.
  • Set up repeating payments, such as a car payment or rent.
  • Schedule single payments up to one year in advance.
The e-mail payment features let you:
  • Send money to anyone with an e-mail address—gifts, payments, almost anything!
  • Track payments online. No more "check is in the mail" worries.
Leader Bank Online Bill Pay allows you to pay anyone you owe money to within the United States, regardless of whether it is an individual or company.
There is no charge for Leader Bank Online Bill Pay.
Leader Bank Online Bill Pay uses several methods to ensure that your information is secure.
  • User Name and Password: Your user name and password are unique identifiers that only you know. As long as you don't share your user name and password with anyone, no one can sign in to Leader Bank Online Bill Pay as you.
  • SSL: Leader Bank Online Bill Pay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
  • Encryption: Leader Bank Online Bill Pay uses 40-bit or 128-bit encryption (whichever your browser supports) to make your information unreadable as it passes over the Internet.
  • Automatic Sign Out: In addition, Leader Bank Online Bill Pay automatically signs you out of a session if you are inactive for a predefined number of minutes (usually ten minutes). It is best if you sign out immediately after you are finished using Leader Bank Online Bill Pay.
From within the Leader Bank Online Banking system, click on the drop down box for Bill Payment and it will take you to the Leader Bank Online Bill Pay screen. Once there, click on enrollment and complete the 4-step enrollment process.
Welcome to Leader Bank Online Bill Pay
To maintain system security, you must sign in to begin a new session or to continue your current session if we automatically signed you out. Please type your user name and password to sign in:
User Name:
Password:
If you are not currently enrolled in Leader Bank Online Bill Pay, please complete an enrollment form.
Questions about Leader Bank Online Bill Pay? Please read through our list of frequently asked payment questions.
Need help signing in?
Forgotten your user name or password?
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No, you do not need to sign up for Leader Bank Online Bill Pay again. You will receive the same access to your accounts at any computer with Internet access.
Yes, after 10 minutes of inactivity you will be logged out of the Leader Bank Online Bill Pay system.
As soon as your enrollment is approved. You will be notified of your enrollment approval via the email address you provided on the enrollment. You should receive this email within one business day from completing your enrollment.
You may pay almost any payee you wish. There are several restrictions: 1) The merchant must be located in the United States; 2) Payments may not be remitted to tax authorities or government and collection agencies; 3) Payments may not be remitted to security companies such as Ameritrade for stock purchases or trade taxing authorities and 4) Court directed payments are unauthorized (Alimony, child support, or other legal debts). Don't forget you can use this system to send payments to your son/daughter in college, pay your local orthodontist, credit cards, charitable donations, etc. A payee is defined as anybody (company or individual) to whom you want to send money.
No. You need to allow a minimum of four (4) business days for payments to reach your payee. Depending on the payee, you may need to allow additional days due to the distance the payment will travel. Remember, although you can schedule a payment at any time, payments are actually sent to payees only on business days.
There isn't a 'limit' set, however, it is recommended you not 'future date' payments beyond one (1) year.
Electronic bill payments are debited from your account on the processing date you requested. There is no float. Bill payments paid by check are debited from your account when the merchant cashes the check and the check is routed back to Leader Bank.
If an overdraft of your account occurs, you will receive an e-mail and letter notification from Leader Bank, N.A.. Any service fees associated with the overdraft will be withdrawn from your account according to your terms and conditions. Any other standard processing fees charged by your financial institution may still apply.
Note: After the initial overdraft notification, we will attempt to withdraw the funds from your account a second time. This may result in a second overdraft.
A variable/single bill payment is a one-time payment such as your telephone bill where the amount fluctuates each time. Or perhaps it is a payment you do not make regularly such as a florist you use only occasionally.
A recurring payment is one made regularly for the same dollar amount, on the same day each month such as your car or mortgage payment. You need only to set up a recurring payment once in the system and access the system only when the payment is to be changed or canceled. Otherwise, your recurring payments will be made automatically.
The payee should receive the payment on the scheduled payment date. Therefore, in order to provide sufficient time for payments to be received by your payee, the processing date should be a minimum of four (4) business days before the bill's actual due date. Additional days should be added to this time frame if the payment is traveling long distances. We may remit your payments by electronic funds transfer, or if the payee does not accept electronic payments, by mailing a check drawn on an account we maintain for this purpose. Although you can enter payment information 24 hours a day 7 days a week, payments can only be initiated on business days.
Note: It may take the payee a little longer to credit the payment to your account.
Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee through the U.S. mail. Once the payee receives the check it may also take a day or so for the payee to process the check and post it to your account. Even for electronic payments, it may take two or three days for your account to be posted. Holidays must also be taken into consideration.
You can cancel a bill payment while its status is Scheduled. Once a bill payment's status is In Process or Processed, you can no longer cancel or change the payment. Cancel bill payments from the Payment Activity - Bill Payment page.
You can cancel a bill payment while its status is Scheduled. Once a bill payment's status is In Process or Processed, you can no longer cancel or change the payment. Cancel bill payments from the Payment Activity - Bill Payment page.
When you make bill payments, the payee may not always credit your account immediately after receiving a bill payment. If the payment is not credited in a reasonable amount of time, take the following steps to resolve the problem:
  1. Wait five days after the scheduled payment date to see if the payee credits the payment to your account.
  2. If the payment is not applied to your account, call the payee's customer service department to see if they received the payment and credited your account.
  3. When you call, gather the following information from the payee:
    The name of the person who assisted you with your payment question.
    The phone number you called to contact the payee.
    The date you called the payee to inquire about your payment.
    The amount of any late fees or finance charges assessed.
  4. If you have received a late fee but scheduled your payment on time, ask the payee if they will waive any late fees or finance charges.
  5. If the payment is not credited to your account or if the payee will not waive late fees, find the payment in Payment Activity. Click View to access the Payment Detail page. Then click Inquire about this payment... to send us a message that includes the information you gathered from the payee.
Need help sending us a message about a payment?
If the person you sent an e-mail payment to did not receive it, go to the Payment Activity - E-mail Payments page and try to locate the payment. Check the status of the payment. If the payment status is Unclaimed, then the person you sent the payment to has not yet enrolled in Email Payments. See How do I know what the status of my payment is? for a list of all of the payment statuses and their meanings.
If you cannot find the payment, check to make sure that you did not accidentally send the payment to the wrong person. See What do I do if I sent an e-mail payment to the wrong payee/person? for more information.
  1. Go to Payee Setup.
    The Payee Setup - Payee List page opens.
  2. Click Add Payee.
    The Payee Setup - Add a Payee page opens with sections to provide payee information.
  3. In Payee Name, type the name of the payee you are adding.
  4. In Account Number:
    • If you have a payee account number, select I have an account number with this payee and type the account number in the box. The account number must be your valid payee account number for your payments to process correctly.
    • If you do not have an account number, select I do not have an account number with this payee and type the payee's last name or another meaningful description in the Check Memo box. This text appears on each check mailed to the payee.
  5. In Payee Address 1 and 2, Payee City, Payee State, and Payee ZIP Code, type the payee address where you usually mail your payments. The ZIP Code must be valid for the state you selected.
  6. In Payee Phone, type the phone number you use to contact the payee if you have a customer service question.
  7. In Payee Category, select the category you want to assign to this payee.
    Note: If you have not added the payee category you want to assign to this payee, you can select Add Category and type a new category in the box. The new category is assigned to the payee and appears on the Payee Setup - Payee Categories page.
  8. In Account Description, type a description of the payee. Use the description to help remind yourself who the payee is or, if you have more than one account with this payee, to indicate which account this is.
  9. Click Continue.
    The Payee Setup - Add a Payee Confirmation page opens.
  10. If you have an account number with this payee, retype it in Account Number to verify it.
  11. Click Add Payee.
    The Payee Setup - Payee List page opens with the new payee added to your payee list. Note: If the payee can send e-bills, the Payee Setup - Add a Payee Completed page opens and asks you if you would like to receive e-bills.
  12. If Payee Setup - Add a Payee Completed page opens:
    • Click Yes to request e-bills. The Payee Setup - Request E-bills page opens. The following set of steps explains how to request e-bills.
    • Click No if you do not want to request e-bills. You can always sign up for e-bills later.
You will access the system by entering your Leader Bank Online Bill Pay User Name and Password. Only individuals with this information can access your account. Be certain not to release this information to anyone. If for any reason you believe this information has been compromised, please change your Leader Bank Online Bill Pay password immediately.
You will receive your cancelled check as you presently do with your checking account. You may also call 781-646-3900 for a copy of any cancelled bill payment check.
In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following:
  1. Telephone us at 781-646-3900 during customer service hours;
  2. Contact us by e-mail at onlinebanking@leaderbank.com and/or,
  3. Write us at:
    Leader Bank, N.A.
    141 Massachusetts Avenue
    Arlington, MA 0247
For tips and assistance with Leader Bank Online Bill Pay, try our help! You can find help in the following places:
  • Click to open the Help Me Topics page. This help page lists the topics you can find within the help.
  • Click Help me with this page... on many Leader Bank Online Bill Pay pages to open help specific to the page you are currently on. The help for each page contains steps that explain how to complete common tasks from that page.
  • If you have questions about Leader Bank Online Bill Pay, browse our frequently asked questions. You can find answers to many commonly asked questions.
  • If you have a payment question or problem that the FAQs or help doesn't answer, go to Payment Activity, click View next to the payment in question, and send us a payment inquiry.
Tip
You can print a help page using your browser's print feature by clicking File—>Print from the menu in the help window.
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