Leading Edge Credit Union

#690626

Account Opening - Leading Edge Credit Union

Why Choose Leading Edge? Our accounts are designed to work for you—helping you earn more, save effortlessly, and bank securely.<ul><li>Earn up to 2.02% APY** on your Checking Account</li><li>Round Up Savings: Save Automatically with Every Purchase</li><li>Safe. Secure. Member-Owned.</li></ul><hr>Ready to Get Started? Apply in minutes—whether you're switching or opening your first account.

Federally Insured by NCUA. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act. **APY = Annual Percentage YieldLeading Edge Credit Union is here to serve anyone who lives, works, worships, or attends school within our field of membership. This includes the Minnesota counties of Nobles, Murray, Cottonwood, Jackson, Rock, Martin, Watonwan, Pipestone, Redwood, Brown, Lincoln, Lyon, Blue Earth, Faribault, and Nicollet, and the Iowa counties of Lyon, Dickinson, Osceola, Emmet, and Kossuth. We also provide services to blood or adoptive relatives of our local members or their spouses. By continuing, you agree to our <a target="_blank" rel="noopener noreferrer nofollow" href="https://onboard.cotribute.co/organization/leadingedgecu/disclosures/patriot-act-0b0171ac">Patriot Act Disclosure</a>.

Terms and Conditions

Sign up in less than 5 mins

Please enter the six-digit code that was sent to your email address. If you don’t see the email, please check your spam or junk mail folder.

Check Your Email for a Private Verification Code.

Account Opening

What is your legal name as it appears on your passport or other government-issued ID?

By continuing, you agree to our <a target="_blank" rel="noopener noreferrer" href="https://onboard.cotribute.co/organization/leadingedgecu/disclosures/privacy-notice-7e376e38">Privacy Policy</a> and our <a target="_blank" rel="noopener noreferrer" href="https://onboard.cotribute.co/organization/leadingedgecu/disclosures/patriot-act-0b0171ac">Patriot Act Disclosure</a>.

Let’s start with your name.

Please check the box if you have an alternate mailing address.

We use this information to verify your identity. Your information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s your home address?

What’s your mailing address?

We’ll use this reach out to you with important information about your application. Your phone number will never be shared. Standard text messaging rates apply. You must provide a US Phone Number.

How can we get in touch?

To qualify, you must live, work, worship, or attend school within an eligible membership county, or be directly related to an existing member.

Membership Eligibility

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your identity and to provide interest income reporting. Your information is always kept private and will never be shared.

Let’s verify your identity.

Verifying your ID now helps expedite opening your account. This process can be securely completed with a webcam-equipped mobile device and only takes a few minutes.

You will need one of the following ID documents:<ul><li>Driver’s license</li><li>State ID</li><li>U.S. Passport</li></ul> Your ID's information must match what has been provided in the application.

If you encounter problems with this system or would prefer to validate your ID later, please return to the previous step.

We found existing membership information on file for you. Would you like to use one of the memberships below?

Let's verify your identity

We use income data solely to verify your eligibility for our highly competitive loan products. This information will be stored securely and will never be shared with anyone else.

Let’s document your income next.

Active Duty Questions

Please choose the accounts you wish to open today. Learn more about our checking products <a target="_blank" rel="noopener noreferrer" href="https://leadingedgecu.org/bank/spend/">here</a>. Learn more about our savings products <a target="_blank" rel="noopener noreferrer" href="https://leadingedgecu.org/bank/save/">here</a>.

Please choose the deposit products below that you wish to open today.

It all starts with a great savings account.

By checking this box you agree to our <a href="https://onboard.cotribute.co/organization/leadingedgecu/disclosures/membership-and-account-agreement-667a5207" target="_blank">Membership and Account Agreement</a>.

By checking this box you agree to our <a href="https://onboard.cotribute.co/organization/leadingedgecu/disclosures/funds-availability-disclosure-cd53e006" target="_blank">Funds Availability Disclosure</a>.

By checking this box you agree to our <a href="https://onboard.cotribute.co/organization/leadingedgecu/disclosures/consumer-truth-in-savings-a38e2b40" target="_blank">Truth in Savings for Certificates of Deposit</a> and <a href="https://onboard.cotribute.co/organization/leadingedgecu/disclosures/truth-in-savings-bc9e22f2" target="_blank">Truth in Savings for Share Deposits</a>

By checking this box you agree to our <a href="https://onboard.cotribute.co/organization/leadingedgecu/disclosures/courtesy-pay-disclosure-a216577a" target="_blank">Courtesy Pay Disclosures</a>.

By checking this box you agree to our <a href="https://onboard.cotribute.co/organization/leadingedgecu/disclosures/expulsion-or-withdrawl-of-member-policy-disclosure-c475b295" target="_blank">Expulsion or Withdrawl of Member Policy Disclosure</a>.

Account Disclosures

We will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below).What You Need to Know about Overdrafts and Overdraft FeesAn overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. Please refer to the Membership and Account Agreement for a more thorough explanation of factors that determine when an overdraft occurs and when you may incur a fee for overdrawing your account. The terms of the Membership and Account Agreement are incorporated herein, and both this document and the Membership and Account Agreement are meant to be interpreted together. We can cover your overdrafts in two different ways:<ol><li>We have standard overdraft practices that come with your account.</li><li>We also offer overdraft protection plans, such as a link to the primary share account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.</li></ol>This notice explains our standard overdraft practices.What are the standard overdraft practices that come with my account? We do authorize and pay overdrafts for the following types of transactions:<ul><li>Checks and other transactions made using your checking account number</li><li>Automatic bill payments</li></ul>We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):<ul><li>Everyday debit card transactions</li></ul>We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.If we do not authorize and pay an overdraft, your transaction will be declined. What fees will I be charged if Leading Edge Credit Union pays my overdraft?Under our standard overdraft practices:<ul><li>We will charge you a fee of up to $30 each time we pay an overdraft.</li><li>There is no limit on the total fees we can charge you for overdrawing your account.</li></ul>What if I want Leading Edge Credit Union to authorize and pay overdrafts on my everyday debit card transactions?If you also want us to authorize and pay overdrafts on everyday debit card transactions, please indicate as such below. For any changes, you can contact us at any Leading Edge Credit Union branch, via mail at Leading Edge Credit Union, PO Box 307, Worthington, MN 56187 or calling 507-775-2802. (You have the right to revoke your authorization at any time by contacting us using one of the authorization methods listed above.)

Regulation E: Consent Form for Overdraft Services 

If you have their information available, we can quickly add a joint applicant to your application.

Would you like to add a joint applicant?

We have just a few questions about your joint applicant so we can add them to your application.

Let’s collect information about your joint applicant.

Let us know how we can get in touch with your joint applicant in case we need to.

What is your joint applicant’s contact information?

Please check the box if they have an alternate mailing address.

We use this information to verify your joint applicant is who you say they are. This information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

What’s their home address?

What’s their mailing address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your joint applicant’s identity and to provide interest income reporting. This information is always kept private and will never be shared.

Let’s verify your joint applicant’s identity.

If you have their information available, we can quickly add beneficiaries to your application.

Would you like to add a beneficiary?

Add Beneficiaries

How much would you like to initially deposit?

Initial Deposit

Log in to your existing bank to fund your new checking account.

Link your current bank account so we can wirelessly transfer funds as soon as your new account is opened.

By clicking "Link Account", you agree to our partner Plaid’s <a href="https://plaid.com/legal/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://plaid.com/legal/#consumers" target="_blank">Privacy Policy</a>.

Let’s link your bank account.

Please provide your bank’s account and routing number so we can initiate the ACH transfer to fund your new account with us.

Enter your bank account details.

Please select the account you would like to use to fund the products you are opening with us today.

Account Selection

General Information

Declared Behavior

Nonresident Aliens and Foreign Individuals

Politically Exposed Persons

Embassy, Foreign Consulate or Foreign Mission Employee

By checking this box you agree to our <a href="https://onboard.cotribute.co/organization/leadingedgecu/disclosures/consent-for-electronic-communications-b3cb1575" target="_blank">Consent for Electronic Communications</a>.

Consumer Reports By submitting an application, you authorize Leading Edge Credit Union to obtain a consumer credit hard inquiry to evaluate your creditworthiness so that you may be considered for other Leading Edge products and services. This inquiry will affect your credit score. You also authorize Leading Edge to use this consumer inquiry for the purposes of evaluating the membership application, reviewing any Leading Edge accounts you open and verifying your identity. You understand these reports may be used in decisions to deny account applications, close accounts and/or restrict accounts or services.

Before we review your application, here are a few last details to go over.

Final Details

By submitting, you promise that everything you have stated in this application is true and correct to the best of your knowledge.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Under penalties of perjury, I certify that: 1) The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued) 2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding 3) I am a U.S. person (including a U.S. resident alien).

We’re about done. Does everything look right?

Thanks for giving us the opportunity to partner with you in your financial goals. We look forward to serving you! If you have any questions or concerns, please feel free to call us at (507) 775-2802.

Thank you for your new account application.

We’ll email you with further steps shortly.

It appears you are under the age of 18. Check out Leading Edge's youth accounts <a href="https://leadingedgecu.org/accounts/youth-students/" target="_blank">here</a>!