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All Leaders branches (including our call center) will be closed Monday, Feb. 19 in observance of Presidents Day.
Online and mobile banking are available anytime, anywhere.
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Checking account

Checking accounts that move you forward

You need a checking account that makes managing your money easy. With no monthly fees, no minimum balances, and convenient mobile and online banking, we’re here to lead you to financial strength.

Leaders Checking Accounts

You are the hero of your own financial success story. We’re here to guide you with no hidden fees, easy access to your money, and financial tools to help when you need it.
No minimum balance requirement
No monthly service charges
Free debit Mastercard®
Unlimited withdrawals
Access to 85,000 surcharge-free ATMs
Free online & mobile banking
Open Account
Leaders Checking Accounts
Champion Free
Our simplest checking account

Ideal for members who want to keep their money accessible with the convenience of flexible spending without monthly service charges or per-check fees.

 

  • Free debit Mastercard®
  • Free online & mobile banking
  • Access to 85,000+ ATMs
Champion Free Checking
Champion Rewards
Checking just got more rewarding

With Champion Rewards, you’ll earn up to 5.00% APY¹ and have all the convenience of an online and mobile spending account.

 

  • Earn 5.00% APY¹ up to $15,000 and 3.00% APY¹ up to $250,000
  • Free debit Mastercard®
  • Get reimbursed for up to $15 per month in foreign ATM fees²
Champion-Rewards-5-Percent-Web-640
The NEXT Account
For 13-20 year olds

This account is an easy-to-use spending account ideal to teach young people from ages 13-20 about financial responsibility.

 

  • Membership fee is waived
  • Free debit Mastercard®
  • Free access to our mobile app
The NEXT Account
Dividends
Foreign ATM Fee Reimbursement
Monthly Fee
Minimum Balance
Free Debit Mastercard®
Access to Online & Mobile Banking
Overdraft Protection
Overdraft Privilege / Courtesy Pay
Champion Free
Dividends
Foreign ATM Fee Reimbursement
Monthly Fee
Minimum Balance
Free Debit Mastercard®
Access to Online & Mobile Banking
Overdraft Protection
Overdraft Privilege / Courtesy Pay
Champion Rewards
Up to 5.00% APY 1
Dividends
Up to $15 per month
Foreign ATM Fee Reimbursement
Monthly Fee
Minimum Balance
Free Debit Mastercard®
Access to Online & Mobile Banking
Overdraft Protection
Overdraft Privilege / Courtesy Pay
NEXT Account
Dividends
Foreign ATM Fee Reimbursement
Monthly Fee
Minimum Balance
Free Debit Mastercard®
Access to Online & Mobile Banking
Overdraft Protection
Overdraft Privilege / Courtesy Pay

Members Earn More

Better rates are your reward for membership.

You can earn up to 5.00% APY¹ with our Champion Rewards Checking Account.

Learn More
UP TO 5.00% APY 1

The reviews are in

Don't take our word for it. Read why our members love banking with Leaders.

    star chart 4.9 out of five

    4.9

    4.9 out of 5 (341 Member Reviews)

    Owned by Members

    Owned by Members

    Membership means ownership. As a not-for-profit credit union, we share rewards with our members in the form of dividends.

    Competitive Rates

    Competitive Rates

    Our members benefit from competitive rates that are higher than most financial institutions.

    Local Service

    Local Service

    As part of the West Tennessee community, we’re proud to serve our members with a smile.

    Why Leaders?

    Why Leaders?

    Our goal is a simple one: to lead our members to the financial security you deserve.

    Join Now
    Stability

    Stability

    We’re one of the largest and healthiest credit unions in Tennessee, providing financial stability to our members.

    Comprehensive Services

    Comprehensive Services

    From basic banking services to sophisticated mobile tools, we provide resources to help you achieve your goals.

    Owned by Members

    Owned by Members

    Membership means ownership. As a not-for-profit credit union, we share rewards with our members in the form of dividends.

    Competitive Rates

    Competitive Rates

    Our members benefit from competitive rates that are higher than most financial institutions.

    Local Service

    Local Service

    As part of the West Tennessee community, we’re proud to serve our members with a smile.

    Stability

    Stability

    We’re one of the largest and healthiest credit unions in Tennessee, providing financial stability to our members.

    Comprehensive Services

    Comprehensive Services

    From basic banking services to sophisticated mobile tools, we provide resources to help you achieve your goals.

    Have questions?

    One of our financial champions will be happy to guide you.
    Find a Branch Near Me

    Disclosures

    1. - APY = Annual Percentage Yield. Champion Rewards Checking - Not all accountholders will qualify and eligibility criteria may apply. Subject to membership in good standing and no inquiries from other financial institutions. If monthly requirements are not met, account earns 0.05% APY. Debits must post during calendar month to receive high-interest yield. ATM fee refund cap of $15 per month. Deposits over $15,000 for qualified accounts will earn 3.00% APY up to $250,000. For full disclosures, please access our Rates Disclosures for consumers or business.