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  2. Checking and Savings

Is there a minimum balance required for a checking account?

The minimum deposit required to open most of our checking accounts is $25; However, there is no minimum balance required to keep the checking account open.

Benefits of our different checking accounts

Champion Free Checking Account

  • No monthly service charge
  • Debit Mastercard® card with no monthly fee
  • No per check charge
  • Unlimited access to Leaders-owned ATMs & 85,000 network ATMs
  • Overdraft Protection/Courtesy Pay available.¹
  • We encourage the convenience of direct deposit. 

Champion Rewards Checking 

With our Champion Rewards Checking, you earn dividends on your money while maintaining the flexibility of withdrawing it. This account:

  • Earns 2.00% APY² if you complete 15 debits per month using your debit Mastercard®, are enrolled in eStatements, and have at least one direct deposit per month.
  • Reimburses up to $15 per month in foreign ATM fees.
  • Unlimited deposits and withdrawals
  • We encourage the convenience of direct deposit. 


1. No minimum balance required. No monthly service charge assessed. Insufficient funds and/or Overdraft fees may apply. 

2. APY = Annual Percentage Yield. Not all applicants will qualify. 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 0.20% APY.

Please ask to see a Rate and Fee Disclosure for more details.