You Might Also Like
THE RATE YOU NEED
Help your money grow faster with competitive rates–up to 5% on select accounts.
NEW WAY TO SAVE
Round up any debit card purchases to the next whole dollar and transfer the amount in excess to your Incentive Savings account.
CHECKING
More than checking. Flexibility.
You want to be smart with your money–and enjoy the most convenience, too. Whatever your needs and lifestyle might be, Legacy has great options. Each of our unique checking accounts feature no monthly fees or minimum balance requirements and also include free standard features like Digital Banking, eStatements, Bill Pay, Mobile Pay, and Instant Issue Debit Cards! Also, for eligible checking accounts, opt-in for our Incentive Savings feature that rounds up your Legacy VISA debit card purchases to the nearest dollar and sends the savings into an interest bearing club account! Best of all, whether you’re switching to Legacy or opening up your first checking account, we make everything easy.
No Monthly Fees
Get Paid Early**
No Minimum Balance
40,000+ Fee-Free ATM’s
Security & Control
Instant Issued Debit Card
Mobile Payments
Round-Up Savings > Incentive Savings
Legacy Everyday Checking meets your everyday spending needs and doesn’t penalize you for it. Everyday Checking comes with a debit card, no monthly fees or maintenance fees.
Earn 2.00% APY* on balances up to $15,000
Get Paid Early**
No Minimum Balance Fees – ever
40,000+ Fee-Free ATM’s
Security & Control
Instant Issued Debit Card
Mobile Payments
Round-Up Savings >Incentive Savings
Legacy Engage Checking pays you BIG based on your engagement level. With just a few simple steps to meet our monthly qualifications, you will earn up to 2.00% APY* on balances up to $15,000.
EVERYDAY
ENGAGE
| Best if you want: | A simple and easy checking account that meets your everyday spending needs. | A rewarding checking account that pays you BIG based on your engagement level. |
| Monthly Fee | $0 | $0
($10 monthly fee if qualifications are not met) |
| Minimum Balance | $0 | $0 |
| Dividend Rate |  |
|
| Annual Percentage Yield | |
2.00% on balances up to $15,000 |
| ATM Fee Reimbursement | |
 |
| eStatements | |
|
| Free Bill Pay | |
|
| Digital Banking | |
|
| Free Debit Card | |
|
| Get Paid Early** | |
|
| Legacy Card Control App | |
|
| Round-Up Savings | |
|
| Age 60+ gets one free box of checks per year | |
|
LEGACY DEBIT CARD
How do I open a Legacy Checking Account and get a Debit Card?
Opening a Legacy Checking Account is free and takes less than 3-5 minutes. Here's how to apply online:
Visit legacycreditunion.com and select JOIN on the home page. Take a few moments to enter your personal info and complete the enrollment.
Once the enrollment is completed, we'll send a Legacy VISA Debit Card in the mail to the address you provided or you can pickup an Instant-Issued VISA Debit Card in any of our convenient branches. Your new debit card typically arrives by mail in 7-10 business days.
Download our mobile banking app, and log in. You can also login to online banking at legacycreditunion.com whenever you need it.
How old do I need to be to open an Everyday Checking acccount and have a Legacy Debit Card?
You can be as young as 13 years old! You must have a joint owner if you are under 18 years old. The joint owner does not have to be a Legacy member.
Does the Legacy Debit Card have a chip?
Your Legacy VISA Debit Card comes equipped with the latest EMV chip technology to make your debit card more secure.
How many ATMs accept the Legacy Debit Card?
You can get cash at more than 40,000+ fee-free ATMs via the MoneyPass Network. Otherwise, out-of-network ATM withdrawal fees may apply.
If you have an Engage Checking Account, ATM fees will be refunded up to $6/month when qualifications are met.
What if my Legacy Debit Card is lost, stolen, or misplaced?
If you have misplaced your debit card, you can "freeze" your card in the Legacy Card Control App until found. If you need to report and replace a lost or stolen debit card please contact: 800-910-4801.
How can I get paid up to two days early?
You can get paid up to two days early with every direct deposit. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment dates.
CHECK ORDERING
You can reorder your checks by contacting any of our Branch Locations or by contacting Harland-Clarke Check Reordering.
Get Started Today
Opening a Legacy Engage Checking Account is free and takes less than 3-5 minutes, with no impact to your credit score. You’ll need to have a few items handy:
- Government issued ID or Passport with a current address
- Your physical & mailing addresses
- Social Security Number for you and any beneficiaries
- DOB for you and any beneficiaries
Overdraft Protection & Privilege
We offer a variety of Overdraft Protection plans for all our checking accounts. Make sure you never overdraw your checking account ever again.
*APY = Annual Percentage Yield.
**Get paid up to 2 days early with every direct deposit. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment dates.