Community Banking
Helping you SAVE!
Wednesday, August 28, 2013
Introduction to Leader Bank!
 Founded in 2002
 $650 million worth of assets
 6 easily accessible branches
 Customized banking products
 Access to SUM ATM networks
 11 years of unmatched customer service
 “Always a Step Ahead” due to localized,
knowledgeable decision-making
 Strong community ties
Achieving Financial Prosperity for You, Your Family, Your Business and
Your Community!
Dial in number: 1-513-386-0101 | Conference ID: 804-442-695 #
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Agenda
 Big Banks = Big Fees
 Fees, fees, and fees
 Will it ever be FREE?
 Community Banks = Savings
 Free, free, and free
 How do we do it?
 Debit vs. Credit
 Leader Bank = Savings + Rewards
 Zeugma Rewards Account
 Account Requirements and Benefits
 Switch Now!
 Q&A
Dial in number: 1-513-386-0101 | Conference ID: 804-442-695 #
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Big Bank Fee-Frenzy
Green Checking | Big Bank 2
Regular Checking | Big Bank 1
Your potential yearly fees
Your potential yearly fees
$350+
$400+
per year
per year
$160.00
$160.00
$140.00
$140.00
$120.00
$120.00
$100.00
$100.00
$80.00
$80.00
$60.00
$60.00
$40.00
$40.00
$20.00
$20.00
$0.00
$0.00
Monthly
ATM
Overdraft +
NSF
x3
Other
years
Monthly
x 80
Dial in number: 1-513-386-0101 | Conference ID: 804-442-695 #
ATM
Overdraft
+ NSF
Other
gallons
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Bigger the Size, Higher the Fees!
Big banks grow despite lost revenue?
2,500
 Lost revenue due to new federal regulations
2,000
 Chase: $600 million
1,500
 BoFA: $441 million
1,000
 However, both these banks grew significantly
500
0
JPMorgan Chase
2008
Bank of America
2012 (In Billion $)
 BoFA: 20%
 Chase: 7%
Dial in number: 1-513-386-0101 | Conference ID: 804-442-695 #
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No More Free-for-All!
 Other avenues to recoup revenue: More Fees!
•
Only 39% of banks offer
a free checking account
•
The avg. monthly maintenance fee
•
rose by a record high of 25%
• $5000 min balance
A combined price tag avg.
of $4.07 for every
foreign ATM withdrawal
to waive
fees
 Some insane fees charged in the name of convenience:
 $1.50 to get at the head of the telephone queue
 $6 for undeliverable statements
 $10 for transacting with a human teller
 $4 for redeeming rewards points
Key Takeaway 1:
“Big Bank” fees are here to
stay.
Dial in number: 1-513-386-0101 | Conference ID: 804-442-695 #
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Fee Free Community Banking
 Community bank is a banking organization with less than $1 billion in
assets
 Locally based relationship banking
 Funding is from local deposits
 6,201 FDIC insured community banks in US
 Average of $200 million in assets
 Two big banks are each the size of all 6,201 community banks combined!
 Non-community banks control 85.8% of US total bank assets!
 Some Community banks are still able to offer all the convenient services
and products that Bigger banks are known for:
Online Banking
Mobile Banking
Mobile Capture
(Psst... We never charge you ATM fees!)
Dial in number: 1-513-386-0101 | Conference ID: 804-442-695 #
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How Can Community Banks Do It?
 Fewer regulatory dependencies
 Business model is different
 Main Revenue driver is making good loans as opposed to charging
banking fees
 Lower FDIC assessment fees
 Highly personalized service and transparency due to less bureaucracy
 Less operational costs and more efficiency
Key Takeaway 2:
Community Banks can offer you the
Big Bank perks and never charge you
a dime for it!
Dial in number: 1-513-386-0101 | Conference ID: 804-442-695 #
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Credit vs. Big Bank Debit
 Credit Card Risks
Frauds | Impacts Credit Score | Budgeting Issues
 Credit ‘cash’ Cruncher
 ~18% APR
 ~1% Cash Back
 Heavy Interest Payments
Key Takeaway 3:
Credit Cards are bad for
you!
 Debit ‘debt’ Destroyer
 0% APR
 Spend what you have
 BUT, this card is attached to Big Bank
checking account!




Monthly Maintenance Fees $12
Avg annual ATM Fees $24
Avg Savings Balance: $25,000
Interest on Savings: 0.10% APY
With both of these
products, you may lose
$2,500 over 5 years!
Dial in number: 1-513-386-0101 | Conference ID: 804-442-695 #
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Leader Bank: Best of Both Worlds!
 A Debit Card which has:
 Rewards of a Credit Card
 Benefits of a Debit Card
 A Community Bank which offers:
 Convenience and Services of a Big Bank
 Superior Customer Service of a Local Bank
 Zeugma: Leader Bank’s ‘Most Rewarding’ Product!





Cash Back: 1%
Monthly Maintenance Fees $0
Avg ATM Fees $0
Avg Savings Balance: $25,000
Interest on Savings: 2.05%
Dial in number: 1-513-386-0101 | Conference ID: 804-442-695 #
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Let’s Zeugma!
Key Takeaway 4:
After 5 Years
Credit Card Relationship: $1,800
Big Banking Relationship:
$715
Leader Bank Relationship: $3,800
Dial in number: 1-513-386-0101 | Conference ID: 804-442-695 #
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Act Now to Receive a $100 Bonus!
 Already convinced? Switch to Leader Bank today and earn $100 bonus
after opening and meeting all three requirements in the first month!
 Follow the below steps to start getting rewarded:
1. Go to http://www.leaderbank.com/PersonalBanking/zeugma.aspx to
open a Zeugma Account
2. Email [email protected] with “LB WEBINAR” in the subject
line after you open the account
3. Meet all three checking account requirements and watch the saving
begin!
 Email any questions to [email protected] or call Jessica Shaffer
at (781) 641-8620.
Dial in number: 1-513-386-0101 | Conference ID: 804-442-695 #
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