Personal Checking Accounts | Tennessee | Leaders Credit Union Skip to main content


We never forget: it's your money.

Checking Services

Account Description Overdraft Monthly Fee  
Simply Free A spending account with no monthly fees, unlimited debit card use, and mobile banking. Read More Yes No Apply
Member Rewards A premium account that pays you to use it and offers ATM fee refunds. Read More No No Apply
Member Protection A premium account offering ATM fee refunds, insurance coverage and ID theft restoration. Read More Yes $4.95 Apply
The NEXT Account A spending account that provides youth a way to gain financial confidence. Read More No No Apply
Free Checking

Simply Free Checking

Our Simply Free Checking account offers you:

  • 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.
  • We encourage the convenience of direct deposit. Download our simple Payroll Authorization form.

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Member Rewards Checking

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

  • Earns 2.00% APY* 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
  • No minimum to open account
  • We encourage the convenience of direct deposit. Download our simple Payroll Authorization form.

Apply Now Helpful Forms

*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.

View Member Rewards checking Rates

Member Protection Checking

Our Member Protection Checking account offers you:

  • Identity Theft restoration through Identity Theft 911™
  • $10,000 additional Accidental Death and Dismemberment Insurance
  • Additional Pharmacy, Vision, and Travel Benefits
  • LifeSteps™ Online Living Will Software
  • 3 "Out of Network" (foreign) ATM use refunds upon request
  • Unlimited access to Leaders’-owned ATMS
  • We encourage the convenience of direct deposit. Download our simple Payroll Authorization form.

Bundle your services and SAVE! Purchase separately, these benefits cost more than $20 per month. At $4.95 per month, you can protect what you value most.

Apply Now Helpful Forms

Direct Deposit

Direct Deposit

Put your paycheck on auto-pilot.

Direct deposit is one of the most convenient options that we offer to our members. If you want quick access to your paycheck or government support, but don't want the hassle of visiting a branch on your payday, direct deposit is a great fit. Simply provide your employer with our routing number and your account information, and we handle the rest! If you already have an account at Leaders, our routing number is 284383886.

Checking Accounts for Students

Looking for a spending account for 13-21 year olds that has mobile access? Visit our Youth page to learn more about The NEXT Account.

What Our Members Say

"I decided to change my checking account to Leaders and love it!"

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

Frequently Asked Questions