Community Banking

Personal
Banking

Explore which banking solutions work best for you.

In addition to personal checking and savings, we offer options to help you grow and save, like Money Market, CDs, and HSA accounts for medical expenses. At Lead, you get the security of a large bank with the customer service of a community bank.

FDIC Insured

Lead On Plus
Checking

Simple and flexible, the Lead On Plus Checking account is perfect for those who write checks on a regular basis and want to earn interest as they go. Enjoy online and mobile banking featuring Bill Pay, eStatements, and customizable alerts.

Minimum deposit to open
$100
Minimum daily balance
$1,000
Maintenance fee
$0/mo
$1,000+ balance
$7.50/mo
Balance < $1,000
Unlimited check writing
Contact us for current rates

Lead On Checking

Our Lead On Checking option works well as an emergency fund or starter account for those who want to be able to write occasional checks. Enjoy online and mobile banking featuring Bill Pay, eStatements, and customizable alerts.

Minimum deposit to open
$100
Minimum daily balance
$0
Maintenance fee
$0/mo
Paper statement fee
$5
Checks
10/mo
$0.25 per additional check
Not interest bearing

Lead Money Market

With competitive interest rates that earn more than a traditional savings account, Lead Money Market accounts put your money to work while maintaining easy access to funds.

Minimum deposit to open
$2,500
Minimum daily balance
$2,500
Maintenance fee
$0/mo
$2,500+ balance
$5/mo
Balance < $2,500
IntraFi Network Deposit account available
Insured cash sweep covering 100% by the FDIC insurance cap of $250k per bank
Unlimited transactions
Contact us for current rates

Lead Savings

Simple and convenient for everyday needs, our interest-bearing personal savings option is the perfect starter account.

Minimum deposit to open
$50
Minimum daily balance
$0
Maintenance fee
$0/mo
Unlimited transactions
Contact us for current rates

Certificates of Deposit (CD)

Make your money work harder with an FDIC-insured account that earns interest over a fixed term. With a full-term CD, you are guaranteed to get back what you put in, plus earn additional interest.

Minimum deposit to open
$2,500
Minimum daily balance
$2,500
Optional interest paid into CD throughout term
No additional deposits once term has begun
Withdraw the funds at the end of the earning term or roll them straight into another CD
Contact us for current rates

Health Savings Accounts (HSA)

Available to individuals who are covered by high-deductible medical plans, a Health Savings Account (HSA) is utilized exclusively to accumulate funds that you use to pay non-reimbursed medical expenses (excluding health insurance premiums).

With significant tax advantages and easy maintenance, HSAs can make unexpected health expenses less daunting.

Can fund individually or with an employer contribution
Tax-free earnings
Funds withdrawn for qualified medical expenses are non-taxable
Unused funds grow and earn interest with no penalty
Tax-deductible contributions