Online Banking – Frequently Asked Questions
General Information
Online Banking is our computer banking service that enables you to gain access to your LEADER BANK accounts whenever you wish from the Internet. With a click of the mouse, you can perform the following banking transactions from the comfort of your home, or from anywhere you have access to the Internet:
  • Review account balances and transaction history
  • Transfer funds between LEADER BANK accounts
  • Export personal financial information into popular financial programs such as Intuit's® Quicken® or Microsoft® Money®
Basic Online Banking is free. That's right, there are no charges for the service. With it, you can obtain account information, transfer funds within LEADER BANK accounts and conduct other bank transactions.
Yes, with the exception of scheduled maintenance and outages as a result of circumstances beyond the control of the Bank, Online Banking is available around the clock every day.
Please note: Transfers made before 5:00 p.m. will be posted on the same business day. Transfers made after 5:00 p.m. will be posted on the following business day.
With Online Banking, you have access to any of your LEADER BANK accounts, including Checking, Savings, Certificates of Deposit, and Lines of Credit. Residential Mortgages are not available through Online Banking.
You have access to Online Banking from any computer or mobile device with Internet access that meets recommended system requirements.
System Requirements
You can access Online Banking with virtually any PC or Macintosh computer. Other than your computer, you need only a LEADER BANK account, Access Code (your LEADER BANK account number), a Password and Internet access using any modern browser (Microsoft® Internet Explorer, FireFox, Google Chrome, Safari, etc).
You will need to use Microsoft Internet Explorer 7.0 or greater, FireFox® 2.0 or higher, Opera 8.0 or higher, Google Chrome, Safari 2.0 or higher, or Netscape Communicator 7.0 or greater (with 128-bit encryption).
To ensure product functionality and the security of your financial information, we support only those versions of the Microsoft Internet Explorer or Netscape browsers identified here. Online Banking works best with Internet Explorer 7.0 and a screen resolution setting of 800x600.
Yes, you can access Online Banking with a Macintosh computer.
You must have the latest version of Adobe Reader installed on your computer. Below are instructions on how to update the program and other areas to troubleshoot. If you are still unable to view your eStatements, you should clear your cookies and internet history.
Adobe Reader is the actual software that handles the imaging and printing when using most browsers. Many issues can stem from incorrect or corrupt Adobe Reader installations. This can be resolved by uninstalling and reinstalling Adobe Reader following these steps:
1. Go to Start Menu > Control Panel
2. Open Add or Remove Programs
3. Find and select "Adobe Reader" and click Remove
4. Open a web browser such as internet explorer and go to the following site: http://get.adobe.com/reader/
5. Uncheck the McAfee check box and click on Download Now
6. Follow the onscreen instructions to fully install Adobe Reader
7. Attempt to print and see if the issue has been resolved
Print to File: Occasionally, the issue could reside with the actual printer, or printer driver. To test this, you can follow these steps and print to a file to check and see if the problem still exists when bypassing the printer:
1. Open a statement and select print as you normally would
2. Change the printer to the Microsoft XPS Document Writer and click Print
3. Save the file to the desktop and name it something like statement.xps
4. Go to the desktop and double-click the file to open it
5. Examine the file and see if the same issue occurs when printing to the file
6. Try printing the file to see if the same printing issue occurs
7. If the issue does not occur when printing to a file, the issue is occurring during communication between the printer and the software. To resolve the issue you should install the latest print drivers from the Printer Manufacturer’s website (common manufacturer’s websites are linked below) or try and uninstall and reinstall the printer device
Print Manufacturer’s Support and Driver Reference
Security
In addition to traditional firewall security and customer-level password, Online Banking supports the latest in Internet browser technology - 128-bit encryption. During the encryption process, information is scrambled as it is transmitted to prevent unauthorized individuals from reading it. The information is then unscrambled or "decrypted" as it is received. This protects your personal financial information as it is transmitted both to and from LEADER BANK.
Customer Agreement
No, we at Leader Bank do not use "cookies" on our Web site. (A "cookie" is a small piece of information, which a Web site stores on your PC's Web browser and can later retrieve. "Cookies" are used to store a customer's preferences for certain kinds of information or products.)
Once you have accepted the online banking agreement, you need to contact your Personal Banker on 781 646 3900. You will obtain your first time login user name and password from them.
First Time User
Basic Online Banking service is available to you at no charge immediately upon opening an account and accepting the terms in the Online Banking Agreement Disclosure with Leader Bank. There is no application to fill out for the basic Online Banking service. When you use Online Banking for the first time, you will be required to perform a First Time Users log in. You simply enter your Access ID and Password, and with the click of your mouse button, you're in.
Locate the Online Account Login box on the right side of the Leader Bank homepage page, then click "First Time Login".
Before you can use Online Banking, you will be required to read and accept the terms of our Online Banking Customer Service Agreement. When you click "First Time Login", the "First Time Login" screen will be displayed. Type your Access ID and Password* in the appropriate box, and then press ENTER or click the Submit button. On the following page, type your New Access ID and New Password** as desired. Type your new password again to confirm it is correct, and then press ENTER or click the Submit button.
* Your initial Access ID and Password is your bank account number and Telephone Banking password, which is provided to you by Leader Bank. For security purposes, we require that you contact our Customer Information Center at (781) 646-3900 or (877) 691-7900 if you do not know or have not received this information.
** You may change your Access ID to something other than your bank account number. This option is available during the First Time Log In session only. Your new Access ID will apply to all subsequent Online Banking access. It must be a minimum of six (6) alpha or numeric characters. Your New Password is case-sensitive and must be a minimum of eight to twelve (8-12) alphanumeric characters including at least two (2) numbers. For example, if your password is THOMAS21 (6-10 alpha, 2 numeric), it must be typed exactly like that; to type thomas21 would be incorrect. The "Account Summary" page will be displayed upon successful completion of the First Time Log In sequence.
For example, if your password is THOMAS21 (6-10 alpha, 2 numeric), it must be typed exactly like that; to type thomas21 would be incorrect.
The "Account Summary" page will be displayed upon successful completion of the First Time Log In sequence.
Passwords
To log in to Online Banking, you will be required to provide a "case-sensitive, alphanumeric" password consisting of eight to twelve (8-12) characters, of which at least two characters must be numeric.
"Case sensitive" means that both upper and lower case letters are representative of each other (i.e. an "e" is an "e"; an "E" is an "E"). Alphanumeric means that a combination of letters and numbers are used. For example, if your password consists of THOMAS21, you must enter the password exactly like that – THOMAS21, not Thomas21.
For security purposes, you will need to call our Customer Information Center at (781) 646-3900 or (877) 691-7900.
For security purposes, we require that you change your initial password immediately during the First Time Users Login. As an additional measure, you should change your password periodically thereafter. Changing your password is very simple from anywhere within Online Banking.
Click "Options" in top menu of your Online Banking screen. Click "Edit" within the"Password" section. Type your Current Password and New Password in the boxes provided. In the Confirm New Password box, re-type your New Password to confirm that your entry is correct.
Click the Submit button. Your change is recorded and takes effect immediately.
No, your online banking password will not expire. However, if the account is not used for 999 consecutive days, then your login credentials will expire and you will need to go through the First Time Login process.
To clear a password stored in Windows (cache), perform the following procedure from within Internet Explorer. Click Tools (located on the menu bar). A drop-down menu will appear, click Internet Options. Click the Content tab. Click the Auto Complete button and then click the Clear Passwords button.
Click OK and then OK again.
Account Inquiry and Management
Yes, the "Account Summary" page will display each time you log in to Online Banking. Its List of Accounts provides you with a consolidated report of your total account portfolio with LEADER BANK, which may include the following account types:
  • Checking account
  • Savings account
  • Certificate of Deposit
  • Loan account
The Account Summary page is available to you throughout your online session by clicking the Accounts button at the top of your Online Banking page.
You must be a signer on the account in order to have the account listed on the Account Summary page. If you do not see the account listed, you will need to call our Customer Information Center at (781) 646-3900 or (877) 691-7900.
There are two ways in which you can review detailed account information (as illustrated below):
1. Click the desired account number from the List of Accounts on the "View Accounts" page.
2. Select the desired account from the "View Accounts" drop-down list in the top menu.
The level of account detail and transaction types available is determined by account type, as illustrated below:
Account Type Type Detail Available Transactions Allowed
Checking Balances, Activity and Interest Information Account Inquiry, Check Image and Funds Transfer
Savings Balances, Activity and Interest Information Account Inquiry and Funds Transfer
Certificate of Deposit Balances, Interest and Maturity Information Account Inquiry
Loans Balances, Payments, Date and Escrow Information Account Inquiry and Funds Transfer
For example, you may -
  • Transfer funds to and from your Savings account, but not from your CD account
To view account activity, select the desired account from the "View Accounts" drop-down menu. Next, select the desired statement view (i.e. Current Statement or Previous Statement) from the "Transaction Activity" drop-down menu. This will include any type of account activity, such as a deposit or withdrawal by check, which has been credited or debited to your account. In addition, check images can be displayed from here.
Check images can be viewed on all transactions except current business day. To view a check image, select the desired checking account from the "View Accounts" drop-down menu. Then select the desired statement view (i.e. Current Statement or Previous Statement) from the "Transaction Activity" drop-down menu. Locate the desired check and click the Check Number. The front of the check will appear; to view the back of the check, simply click the Back of Check button; or to rotate the check, click the Rotate Check button.
  • Login to online banking.
  • Once logged in, click on the account number under “List of Accounts” of the account you would like to export.
  • Hover your mouse over the “Transactions” sub-menu and select “All Transactions” at the bottom.
  • Click “Export Transactions” located on the left in a blue link.
  • In the data range, select the drop down menu and select desired range.
  • Make sure the export format is in “Comma Separated File” format.
  • Check the Account you would like the transactions for.
  • Click “Export”.
  • This will take a few minutes. When it is done downloading the “Download Export” button will be clickable.
  • This will load an excel file with your transactions.
Exporting transaction information for use with your personal finance software, such as Intuit’s Quicken or Microsoft Money, can be accomplished by selecting the desired account from the "View Accounts" drop-down menu. Then select "Transaction Menu" from the "Transactions" drop-down list. Enter the desired information into the Transaction Search fields:
  • Cycle - select from All, Previous Business Day, Current Statement and Previous Statement.
  • Transaction Type - select from All, Checks, Debits, Deposits and Credits.
  • Sort by - select from Date - Ascending or Date - Descending; Check Number - Ascending or Check Number - Descending; Description; Transaction Type; Amount - Ascending or Amount - Descending.
  • Date - enter the desired From and Thru dates. By leaving both fields blank, it will export all available transactions (all previous and current cycle transactions).
  • Amount - enter the desired From and Thru amounts if searching for specific amounts. By leaving both fields blank, it will export all amounts.
  • Check Number - enter the desired From and Thru check numbers if searching for specific checks. By leaving both fields blank, it will export all check numbers.
From the Export Format drop-down list box, select the appropriate file type from the following list:
  • Comma Separated File (.CSV)
  • Intuit Quicken (.QIF)
  • Microsoft Money (.OFX)
  • Intuit Quickbooks (.IIF)
For your convenience, the Date of Last Export is displayed. This will allow you to easily identify a start date to enter the next time you export. By leaving the Thru date blank, it will export all transactions from the start date to the current date. This feature ensures there is no duplication in the data you are exporting.
Finally, click the Export button to complete the process.
A good way to test your output, prior to exporting, is to click the Display button. This allows you to review all data on the screen. If the data is correct, simply place a checkmark in the Export box (in the heading row). This places a checkmark next to all of the transactions displayed. Then select the Export Format from the available drop-down menu.
The output file will then need to be imported into your personal financial software. Procedures will vary depending upon the software you have. Refer to the appropriate help for your software.
The Since Last Log In option will not display if there have not been any transactions since you last logged in.
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