Engage Checking

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Apple

“The technology you use impresses no one. The experience you create with it is everything.”

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CEO at Apple

Engage Checking Account

A High-Yield Checking Account

Earn 2.00% APY* on up to $15,000 each month that you’re actively engaged with your account. Plus, there’s no minimum balance and no monthly fee**!

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Get Rewarded

Choose this account if you want to be rewarded for living your busy, successful Alabama life.

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Engage High-Yield Checking Benefits

Forget About Confusing Fees*

Pay no monthly account fees when you meet certain criteria:
1) Login to Digital Banking 1X/month
2) At least $500 in payroll or direct deposits each month
3) 20 debit card transactions each month

Access 40,000+ fee-free ATMs

Avoid out of network ATM fees. With Legacy, you get access to 40,000+ fee free ATM’s. Use the map in your Legacy app to find the closest fee-free ATM near you.

Get Your Money Faster

Get your direct deposit or payroll in your account up to two days early.***

Stay In Control

Can’t find your debit card? No worries. Easily disable transactions in the Legacy Card Control App. No need to call us or explain. If you end up needing to replace your card, just let us know!

Check Deposits Are Easy

Use remote deposit in the Legacy Digital Banking App to deposit checks without visiting a branch.

Save Effortlessly

Round up any debit card transactions to the dollar and we will automatically transfer the excess amount into your Incentive Savings account.

Get a Debit Card Instantly

Local members get an Instant-Issued debit card and can immediately begin using it when opening an account in one of our branches. No waiting on the mail to deliver!

Enjoy Free Digital Banking

Free use of online and mobile banking, always.

Additional Details

High-Yield Checking

Earn 2.00% APY* on your account balance of up to $15,000 when you meet our simple criteria:
Be enrolled and log in to Digital Banking at least once each month.
Have at least $500 in payroll or direct deposits each month.
Post at least 20 debit card transactions each month.

Mobile Deposits

Use Mobile Deposit to deposit checks without visiting a branch.

Mobile Pay

Use Mobile Wallet and mobile payment platforms, including Apple Pay and Google Pay.

Security & Control

Use the Legacy Card Control App to enable and disable transactions, set alerts, and more.

Over 40,000 Surcharge Free ATMS

Access to over 40,000+ MoneyPass surcharge free ATMs, plus Legacy ATMs.

Choose to Save as You Go

You can choose to grow your savings whenever you use your debit card.

High-Yield Checking Account Rates

Type

TERM

APY*

Engage Checking

Up to $15,000.00**

2.00%

$15,000.01 or More**

0.00%

When Monthly Qualifications Aren’t Met

0.00%

Rates are current as of and are subject to change without notice.

*APR = Annual Percentage Rate.

**No monthly fee applies when qualifications are met. Monthly qualifications are:
-Be enrolled and log in to Digital Banking once per month, whether Online or Mobile.
-Have at least $500 or more in payroll or direct deposits each month.
-Post at least 20 debit card transactions each month.

***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.

What Our Members Have to Say.

We want to hear from you, leave a review.

Leave a Review

“I’ve been a member for over 25 years and I haven’t found any reason to leave. Friendly staff and outstanding service. I’ve always been treated fairly and they are a big part of my banking needs. Keep up the good work.”

John F. – Birmingham, Alabama

It's easy to join.

Step 1

Apply Online

Enter your details into our secure online application portal to open a checking account and become a member.

Step 2

Access Your Account

Use Mobile or Online Banking to see your new account and set up any deposits or payments.

Step 3

Unlock Benefits

Enjoy all the rewards that come with this account simply for doing your regular transactions.

Get Started

Account FAQs

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.

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Do I need to use a Legacy ATM to avoid out-of-network fees?

No, you can enjoy the convenience of ATM services by using a free Legacy ATM plus over 40,000 MoneyPass ATMs across the U.S.

What Digital Banking services do you offer?

Your Engage Checking Account is highly compatible with a range of Digital Banking services:

Access and manage your accounts using Online Banking or our Mobile App.
Stay in control of your account with the Legacy Card Control App, which lets you easily enable and disable transactions, and set alerts and spending limits.
Leave your wallet at home and add your card to Mobile Wallet.
Use a range of mobile payment platforms including Apple Pay and Google Pay.
Take a photo of your checks using the Mobile Deposit feature and quickly gain access to your funds.
Set up Bill Pay to automatically or manually pay your bills.
Set up Direct Deposits to receive your paycheck and Payroll Deductions to have funds go automatically to your savings or another account.

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More Legacy Accounts for You to Consider

Everyday Checking

This is the no-frills account to handle your everyday needs with no minimum balance and no monthly fee. Plus, get paid up to two days early.***

Learn More

Incentive Savings

Earn 5% APY* for your first $1,000! Saving is easier than ever. Simply round up your debit card purchases to the next dollar and transfer it to your high-yield savings account.

Learn More

Investment Accounts

Take your savings to the next level. Enjoy competitive rates, flexible terms, and the peace of mind of having your funds federally insured.

Learn More

*APY = Annual Percentage Yield.

**No monthly fee applies when qualifications are met. Monthly qualifications are: - Be enrolled and log in to Digital Banking once per month, whether Online or Mobile. - Have at least $500 or more in payroll or direct deposits each month.
- Post at least 20 debit card transactions each month.
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***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.

Need Help?

Find Branches and ATMs

Routing #: 262086561

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