Digital Banking

Will my Bill Pay information convert to the new Digital Banking?

Yes, all of your current settings and anything previously setup in Bill Pay will transfer over to the new system on August 19th, 2025.

How do I use Bill Pay?

You must have a Legacy checking account. First time users for Bill Pay will need to allow 24 hours for approval to use Bill Pay, and will need to accept the terms and conditions within the online application. Once you receive a confirmation email stating you are approved for Bill Pay, you can begin adding payees and scheduling payments.

How do I add a payee?

To add payees, click on the Pay Bills/Pay A Person, then click Pay Now. Then click on the payees tab and click +Payee. When setting up your payees, please make sure that the information is obtained from the most current bill received. This will avoid any processing delays, which are often caused by an old or incorrect account number or an incorrect mailing address. Once you have added one or more payees, click on the Payment tab on the Bill Pay tab menu to schedule payments.

How do I schedule a payment?

Once you have set up a payee in Bill Pay, click on Payees tab from the Bill Pay tab-menu to make your payments. Make sure you allow enough time for the payment to be received and processed by your payee. Legacy recommends that you schedule your payments a minimum of 5 to 7 business days in advance of the due date for paper checks and at least 3 business days for electronic payments. Be aware that some payments which require a coupon or a payment stub may take longer to process by the payee.

Can I stop a payment I have scheduled?

You can cancel any payment prior to the funds being withdrawn from your account. On the Payments tab click on the Payee name of the payment you want stopped. Then click View Pending. Select Edit on the payment you would like to stop then click the check box next to “I would like to stop this payment”. If the funds have been withdrawn from your account, payments that are made electronically cannot be stopped. Payments that are made by check may be able to be stopped as long as the check has not cleared, although we do not guarantee that we can stop the payment.

When is my payment processed and debited?

All payments are processed by 6PM CST, Sunday through Friday. Your account is debited around 6PM CST on the scheduled withdrawal date. Payments are processed for you and sent to the payee the following morning. Payments are not sent on Sundays or holidays.

Am I able to my pay friends and family from within Digital Banking?

Not only can you pay friends or family using bill pay/transfer, but you can even pay yourself!

How do I use Check Deposit?

Navigate to the menu inside of the Legacy Mobile App and select “Check Deposit”. Follow the easy, step by step instructions to deposit your check from anywhere, anytime.

Are there any fees to use check deposit?

Deposit Check in the Legacy - Mobile Banking app is provided to our members free of charge.

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How do I endorse my checks?

Checks must be endorsed as follows:

For Remote Deposit Only
Legacy CFCU Acct #123456
Your Signature

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Can I deposit a check right away?

Yes, immediately after you access Check Deposit for the first time in the app. Legacy reserves the right to refuse any item or place holds on any deposits using remote deposit capture. If an item is refused you can see this in your Deposit History.

What accounts can I deposit checks into?

Checks can be deposited into your savings (share) or checking (share draft) accounts.

What types of checks can I deposit?

Single-party domestic checks made payable to the owner(s) of your Legacy Community Federal Credit Union account.

IMPORTANT NOTE:
These items CANNOT be deposited using Remote Deposit Capture. Some of these items may be accepted in our branches:

Checks that need a verification or authorization number (ex: tax checks, COM checks, etc.)
Items stamped “non-negotiable”
Incomplete checks
U. S. Treasury
Stale-dated checks (more than 6 months old)
Post-dated checks (dated for a future day)
Any checks that appear to be altered
Checks purporting to be a lottery or prize winning
Checks previously submitted using remote deposit capture

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What should I do with a check once it has been deposited successfully?

Store it in a secure location for at least 90 days, and then shred the check.

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