General Information


What is Online Banking?

Online Banking is our computer banking service that enables you to gain access to your Leader Bank accounts from the Internet. With a click of the mouse, you can perform the following banking transactions from anywhere you have access to the Internet:

  • Review account balances and transaction history
  • Transfer funds between Leader Bank accounts
  • Pay bills/send people money
  • Review and download statements
  • Export personal financial information into popular financial programs such as Intuit's® Quicken® or Microsoft® Money®

Is there a fee to use Online Banking?

Basic Online Banking is free.


Is Online Banking available twenty-four (24) hours a day, seven (7) days a week?

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 (excludes external transactions).


What type of accounts are available with Online Banking?

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.


Can I access Online Banking while away from home?

You have access to Online Banking from any computer or mobile device with Internet access that meets recommended system requirements.

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System Requirements


What are the System Requirements for Online Banking?

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.


What can I do if my Online Banking eStatements are not displaying properly?

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 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

HP: HP Support and Drivers

Lexmark: Lexmark Support and Drivers

Ricoh: Ricoh Drivers and Downloads

Kodak: Kodak Support and Drivers

Epson: Epson Support and Drivers

Brother: Brother Drivers and Downloads

Canon: Canon Support and Drivers

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Security


Is my financial information safe with Online Banking?

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.

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Customer Agreement


How does Leader Bank use cookies?

No, we do not use "cookies" on our website. (A "cookie" is a small piece of information, which a website 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.)

What if I accept the agreement, but cannot get to the Online Banking login page?

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 username and password from them.

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First-Time User


How do I sign up for Online Banking?

Basic Online Banking 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 login. You simply enter your Access ID and Password, and with the click of your mouse button, you're in.

How do I login into Online Banking for the first time?

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 Login 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 Login sequence.

The "Account Summary" page will be displayed upon successful completion of the First-Time Login sequence.

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Passwords


What type of password is required to use Online Banking?

To login 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.


What is a case-sensitive, alphanumeric password?

"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.


What should I do if I forget my password?

Click the "Forgot Password" link or call our Customer Information Center at 781-646-3900 or 877-691-7900. Three unsuccessful attempts will lock the user out and you will need to contact our Customer Information Center.


How do I change my password?

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.


Does my password expire?

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 again.


How do I clear a password stored in Windows?

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 "Settings" in the "AutoComplete" section. Uncheck the box next to "User names and passwords on forms". Click "Delete AutoComplete history..." button.

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Account Inquiry and Management


Can I review a summary of all my accounts?

Yes, the Accounts Summary page (home page) will display each time you login to Online Banking. The "List of Accounts" section 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.

What if I do not see all my accounts on the Account Summary 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.

How can I review detailed information on an account?

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

What kind of detailed information can I review and transact?

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

How do I view my account activity?

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.


How do I view an image of a check?

Check images can be viewed on all transactions except the 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.


How do I download a list of my transactions into Excel?

  • 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

How do I export transactions into financial software such as Intuit's Quicken or Microsoft Money?

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 Through dates. By leaving both fields blank, it will export all available transactions (all previous and current cycle transactions)
  • Amount - enter the desired From and Through amounts if searching for specific amounts. By leaving both fields blank, it will export all amounts
  • Check Number - enter the desired From and Through 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.


Why doesn't the "Since Last Login" option (from the "Transactions" drop-down menu) always display?

The Since Last Login option will not display if there have not been any transactions since you last logged in.

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Bill Payment


What is 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 email payments you can electronically send money to and receive money from anyone with an email 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.

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 email payment features let you:

  • Send money to anyone with an email address—gifts, payments, almost anything!
  • Track payments online. No more "check is in the mail" worries

What type of bills can I pay?

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.


How much does Leader Bank Online Bill Pay cost?

There is no charge for Leader Bank Online Bill Pay.


How secure is the Leader Bank Online Bill Pay process?

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

How do I sign up for 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.


If I want to pay bills from a different computer, do I have to sign up for Leader Bank Online Bill Pay again?

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.


Will I be logged out of the Leader Bank Online Bill Pay system for inactivity?

Yes, after 10 minutes of inactivity you will be logged out of the Leader Bank Online Bill Pay system.


How soon can I start making payments?

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.


Is there anyone I cannot pay through Leader Bank Online Bill Pay?

You may pay almost any payee you wish. There are a few 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.


Should the processing date I give be the date the payment is actually due?

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.


How far in advance can I schedule a payment?

There isn't a 'limit' set, however, it is recommended you not 'future-date' payments beyond one (1) year.


How soon are the funds actually taken out of my account?

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.


What happens if I don't have enough money in my account to cover a bill payment?

If an overdraft of your account occurs, you will receive an email and letter notification from Leader Bank. 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.


What is the difference between a variable/single bill payment and a recurring payment?

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.


How are my payments delivered and how can I ensure that my payee receives my payment by the due date?

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.


Why does it take four business days and sometimes more for payments?

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.


Why does it take four business days and sometimes more for payments?

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.


What should I do if a payee has not posted my payment?

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. 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 email payment to did not receive it, go to the Payment Activity - Email 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 email payment to the wrong payee/person?" for more information.


How do I add more payees?

  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

How can I be sure no one else can access my bill paying service?

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.


How can I get a copy of a cancelled check?

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.


How are research requests about a bill payment handled?

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 email at onlinebanking@leaderbank.com and/or,
  3. Write us at:
    Leader Bank
    141 Massachusetts Avenue
    Arlington, MA 02476

What if I need additional help?

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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Fund Transfers


How do I review an established transfer?

To review previously established transfers, select the desired account from the "Account" drop-down list within the Scheduled Transfers box on your Online Banking home page. Any established transfers will be conveniently listed for your review by “To Account”, indicating the account number, which is receiving the transfer.


What is the difference between a one-time express transfer, and a scheduled (recurring) transfer?

  • A One-Time Express Transfer is a single and immediate transfer of funds from one account to another; both the debit and credit will occur on the same business day
  • A Scheduled (Recurring) Transfer is a repeated transfer of funds over a designated period of time. For example, you can schedule a recurring transfer on a weekly, bi-weekly, monthly, bi-monthly, quarterly, semi-annually, annually, or on an on-demand basis. The debit occurs on the day the transfer is scheduled for and the credit occurs on the following business day

When does a transfer occur when I schedule the transfer for a weekend or holiday?

A transfer will only occur on a business day; therefore, if you schedule a transfer for a weekend it will occur on the following Monday. In the event of a banking holiday, the transfer will occur on the following business day.

Please note: Transfers made before 3:00 PM will be posted on the same business day. Transfers made after 3:00 PM will be posted on the following business day.


How do I set up a one-time express transfer?

To establish a single transfer from any Online Banking page, click Express Transfer button in the header menu. Click the accounts you wish to transfer funds to and from, from the provided list of accounts. Next, enter the amount and then click the "Next" button. The "Preview Transfer" page will display. Confirm the transfer accounts and amount and then click the Transfer button to complete the transfer. The "Transfer Confirmation" page will display, you may print this screen for your records.


How do I set up a scheduled (recurring) transfer?

To establish a scheduled (recurring) transfer from the "Account Inquiry" page, select New Scheduled Transfer from the Transfer Funds drop-down menu. Select the account you want to transfer funds to and the Frequency from the available drop-down-list boxes. Type the Amount that you wish to transfer and select the Date on which the transfer will occur. Type a description of the transfer in the Description (optional) box. Click the "Submit" button to complete the scheduled transfer request.

The "Transfer Confirmation" page will display; you may print this screen for your records.

Please note: when making a Leader Bank loan payment (transfer), any interest that is currently due is applied first, and the remaining balance is applied to principal. Therefore, if no interest is due at the time the payment is made, it will all be applied to principal.

How do I make a transfer to an established scheduled (recurring) transfer(s) if the frequency is on demand?

To make a transfer to an established scheduled transfer, from the "Account Inquiry" page, select Transfer List from the Transfer drop-down menu. The Transfer window will appear.

To make a single transfer:

  • Place a checkmark in the box next to the desired transfer. Enter the Date on which the transfer will occur and the Amount you wish to transfer in the fields provided. Click the Next button, a "Transfer Preview" page will display. Click the "Submit" button to complete the scheduled transfer request. The "Transfer Confirmation" page will display, you may print this screen for your records
  • Or click the desired Transfer to Account from the "Transfer to" column. Enter the Amount that you wish to transfer and the Date on which the transfer will occur. Type a description of the transfer in the Description (optional) box and click the "Submit" button to complete the scheduled transfer request. The "Transfer Confirmation" page will display; you may print this screen for your records

To make multiple transfers at one time:

  • Place checkmarks in the boxes next to the desired transfers. Enter the Date on which the transfer will occur and the Amount you wish to transfer in the fields provided (do this for each of the transfers). Click the Next button and a "Transfer Preview" page will display. Click the "Submit" button to complete the scheduled transfer requests. The "Transfer Confirmation" page will display, you may print this screen for your records

How do I change a scheduled transfer?

You can change a scheduled (recurring) transfer so long as you submit a Scheduled Transfer Change request no later than 3:00 P.M. on the day that the funds are scheduled to transfer.

From the "Transfer List" page, click the transfer you want to change from the “Transfer to” column of the Transfer list provided.

The Change Scheduled Transfer window will appear. The following transfer options can be changed:

  • Frequency
  • Date
  • Number of Remaining Transfers
  • Amount
  • Description

How do I skip a scheduled transfer?

You can skip a scheduled (recurring) transfer so long as you submit a Scheduled Transfer Skip request no later than 3:00 P.M. on the day that the funds are scheduled to transfer. From the "Transfer List" page, click the transfer you want to skip from the “Transfer to” column of the Transfer list provided. The Change Scheduled Transfer window will appear. You can skip established transfers by changing the payment date to reflect the new desired date. Click the "Submit" button to complete your request.


How do I delete a scheduled transfer?

From the "Transfer List" page, locate the desired transfer and click the Delete button next to that transfer. A "Delete Scheduled Transfer Confirmation" page will display, click the "Submit" button to delete the transfer.


How do I transfer money from another financial institution?

You can transfer money back and forth between your Leader Bank account and your account at another financial institution. Both accounts must be in your name for this feature to work. To use this feature, click on “Bill Payment” in the top navigation bar once logged into Online Banking. Then click “Transfer Money” in the top navigation bar. Click “Add an Account” under the “Transfer Money with Other Financial Institutions” section and complete the directions.

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Popmoney


What is Popmoney?

Popmoney is an innovative personal payment service offered by leading financial institutions that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting. And you don't need a new account to send or receive money. Just use your current bank/financial institution account.


How does Popmoney work?

Sending Money: To send money, login to your online banking account and look for Popmoney. Send money to anyone using their email address or account information. You will be notified when the transaction is completed.

Receiving Money: When someone sends money to you, you will receive an email or text message. If your financial institution offers Popmoney, you can login to your account and direct the funds there. If your financial institution does not offer Popmoney, you can provide your account information at Popmoney.com, and your money will be sent to that account. If you do not provide your account information, the payment will be automatically returned to the sender's account. Money sent directly to an account will be automatically deposited. No action is required by the recipient.


What can I use Popmoney for?

Popmoney is easy and convenient for you and the people you send money to. They can simply receive the money into their bank account online. The following are just a few of the convenient ways that you can use Popmoney:

  • Send money to your child at college
  • Send a gift to family and friends
  • Reimburse friends for that fun outing
  • Pay your babysitter or your lawn care service

Will my account information be shared with the recipient?

No, your account information will not be shared with the recipient. The recipient will only see your first name, last name, and the message you wrote for the payment. When you send a payment to an email address, the recipient will also see your email address. Similarly, you will not be able to see the recipient's account information.


Do I need to verify my email address and phone number?

Verification of your email address and phone number may be required for security reasons. Entering the correct verification codes ensures that you have access to your email and phone. You may also be asked to verify your mobile phone in the future to send and receive payments.


What are the different ways I can send money to someone?

You can send money to someone using their email address, mobile number, or account information:

Email address: Your contact will receive an email with instructions on how to direct the payment into his or her account.

Mobile number: A text message will be sent to the recipient on your behalf with instructions on how to direct the payment into his or her account. You may want to tell your contact that standard message and data rates may apply.

Account information (routing and account number): The money will be deposited directly into your contact's account. You will also have the option to send an email to your contact.


When will the recipient receive the funds?

This depends on the delivery option selected by the sender. If the sender has selected 3-Day or Standard delivery then the recipient will receive the funds 3 business days after accepting the payment. If the sender has selected Next Day or Express delivery then the recipient will receive the funds 1 business day after accepting the payment.

If the sender does not have an option to select a delivery speed, funds will normally be available to the recipient on the next business day (If you are sending money to someone who has used Popmoney and has selected the Automatic Deposit option.) Funds will also be available on the next business day if you have provided your contact's account information.

In some cases, like when you have exceeded payment limits, the funds will be available in three business days.


When will funds be deducted from my account?

If you make a payment before 7:00 P.M. Pacific Time on a business day, the funds will be debited from your account on the same day.

If you make a payment after 7:00 P.M. Pacific Time or on a non-business day, the funds will be debited from your account on the next business day.


Why do I have limits on my payments?

For your protection, limits have been created on how much money and how many payments can be sent during various time periods. You can click the help icon next to the Amounts field to view your available limits.


Why are some of my contact options missing from the Send Method drop-down list?

For your protection, your contacts' accounts or email addresses in Popmoney may be placed on hold or suspended for various reasons. If this occurs, then you may not send money to these accounts. For example, if you fail verification when attempting to send money to them, this would result in a hold.


Why am I asked to enter a message to the contact?

A personal message helps to give your contact confidence that they are receiving a payment from someone they know. It is also your opportunity to communicate the purpose of the payment.


What are the fees associated with the service?

A fee may be charged for each Popmoney transaction. Fees for the transaction are displayed below the amount field.


Can I cancel a payment?

Yes, you may cancel a payment any time before or on the send date. Your contact will be notified if you cancel a payment after a payment notification has been sent.


How do I add a contact?

There are two ways to add a contact:

  1. Click on the Contacts tab and click on the Add Contact button. Enter the required fields and click Save
  2. Click on the Add New Contact link in the drop-down list that appears when you click on the To field. Enter the required fields on the popup window and click Save

Can I send money internationally?

No, currently you can only use Popmoney to send money within the United States. If you send a payment to your contact's email or mobile, your contact will be required to provide a US bank account to receive the funds. Otherwise, the payment cannot be processed and the funds will be returned to your account.


Can I create a payment with a future date?

Yes, Popmoney allows you to schedule one time or recurring future payments. See "Scheduled Payments" below.


How much does Popmoney cost?

Popmoney is free!

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Error Message Troubleshooting


"An activity limit has expired and a disconnect has occurred"

While logged into Online Banking, a timeout has occurred due to an extended period of inactivity. You simply need to login to Online Banking again.


"Auto-Exceeds limits"

While attempting to login to Online Banking, you entered your Access ID or Password incorrectly three consecutive times. Another reason you may receive this message is by using the computer's "Save Password" feature. For security reasons, we recommend you do not use this feature. You will need to call our Customer Information Center at 781-646-3900 or 877-691-7900 to verify your Access ID or have your Password reset.


"Cannot access unsecure website"

You may be using a browser that does not support 128-bit encryption. First, you will need to identify which version and encryption strength your browser is currently running. If you do not meet these requirements, you will need to upgrade your browser.


"Invalid security code"

While attempting to login to Online Banking, you entered your Access ID or Password incorrectly. Please verify that you are using the correct Access ID and Password and re-enter the information.


"No active session was found"

You browser may be set to "Work Offline", or you may have lost your connection with the Internet. To check your online status, click File (located on the menu bar). A drop-down menu will appear, make sure Work Offline is not checked. If it is simply select it (this removes the checkmark). Or check your connection to the Internet. If you have been disconnected, log back on to the Internet.


"Page cannot be displayed at this time"

You may have a slow Internet connection, or Online Banking may be down. Try one more time to connect to Online Banking and if you are unsuccessful the second time, please call our Customer Information Center at 781-646-3900 or 877-691-7900.


"Page cannot be displayed (or found)"

You may be attempting to connect to Online Banking using your Favorites or Bookmarks. If so, the server that Online Banking resides on was changed on March 10, 2003, and as a result the URL (Uniform Resource Locator or web address) has changed. You will need to delete Online Banking from your Favorites or Bookmarks and replace it with the new URL for Online Banking. To get the new URL for Online Banking, you will have to locate Online Banking from our website. From any page, click the Go button from the Leader Bank Online menu, located in the upper right corner of the page (Online Banking is set to the default). Once at the Online Banking login page, add that page to your Favorites or Bookmarks.


"Secure connection cannot connect with web server"

You may be using a browser that does not support 128-bit encryption. First, you will need to identify which version and encryption strength your browser is currently running. If you do not meet these requirements, you will need to upgrade your browser.


"Unable to establish a secure connection"

You may be using a browser that does not support 128-bit encryption. First, you will need to identify which version and encryption strength your browser is currently running. If you do not meet these requirements, you will need to upgrade your browser.

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Additional Help and Support


Is there online help available?

Yes, should you require additional assistance, Online Help is your best solution. It’s convenient, simple to understand, and structured in a format that enables you to find the information you need quickly. Help is available upon a successful login into Online Banking by clicking the Help button at the top of your Online Banking page. Help is divided into three parts: Contents, Index and Search.

Contents allows you to find help on almost any Online Banking subject by clicking your preferred subject from the list provided.

Index allows you to search for help on almost any Online Banking subject by typing a word or selection of words into a text dialog box or clicking your preferred subject from the list provided.

Search allows you to search for help on almost any Online Banking subject by typing a word or selection of words into a text dialog box and then clicking a subject that closely matches your search.


How do I contact Leader Bank if I have a question?

You may email us at onlinebanking@leaderbank.com or call our Customer Information Center at 781-646-3900 or 877-691-7900.


During what hours can I call Leader Bank for technical support?

You may call our Customer Information Center at 781-646-3900 or 877-691-7900 and request to speak with a Technical

Support Specialist during the following hours:

  • Monday through Friday 8:30 A.M. - 5:00 P.M.
  • Saturday 9:00 A.M. - 1:00 P.M.

Is there a fee for telephone technical support?

No, technical support is provided free of charge to all Online Banking customers.

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