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DIGITAL BANKING FAQs

It's Here! An All New Digital Banking Experience.

It’s a better online and mobile experience designed for the way you live, so you’re never far away from your finances. Here is where you can find all the answers to your questions about the new system, launching August 3, 2020!

Common Questions:

Users can enroll via online or mobile beginning on August 3, 2020. Online users will select LOGIN from the same location on www.legacycreditunion.com. Android users will need to update their current Legacy app , while iPhone users will need to delete the old app and download the new app by searching for Legacy Digital Banking in your app store. The first time you log in, you will be asked to enroll as a new user, and choose a new username and password.

New features include:

  • Enhanced login security and fraud prevention
  • Legacy Card Control
  • Legacy and UAB branded mobile themes
  • Quick View of accounts on the mobile app from login screen
  • Transaction and Account alerts
  • Passcode and Facial recognition on supported devices
  • Set travel dates
  • and more!

The first time you log in you will be asked to enroll as a new user, and choose a new username and password.  You will need your base Legacy account number, DOB and SSN.  Your current mobile number must be on file with Legacy and you will be sent a One Time Passcode (OTP) to complete your new enrollment. If you do not receive a secure access code upon first attempting to log in, your contact information on file may be incorrect. Please contact us to update this information at 205-930-5000.

If you take the first 2 digits and the last 2 digits off of the account number on your check, that is your base account number. It will be a 4-6 digit number. Do NOT use the full number listed on your check.

Yes, if your current username meets the new system requirements. Usernames must be 8-25 characters and can include alpha/numeric, but no symbols.

Yes, if your current password meets the new system requirements. Passwords must be 8-25 characters, include one upper case, one lower case, one number, and one special character (one of the following must be used: @ . – ! _  #  $  ). Passwords can have up to 4 consecutive repeated characters.

On or after August 3, 2020, mobile users will need to visit their app store and update or download the new “Legacy Digital Banking” app to their device. The old app will no longer be available.

To enroll successfully, you must have a mobile number listed on your account. Please contact us at 205-930-5000 to make any changes or updates.

Yes, each owner on the account will be able to setup their own username and password.

You get 5 attempts to correctly answer your password before you will be locked out temporarily. Your account will automatically unlock after 10 minutes. If you are unable to remember your password, you can reset your password by clicking “Can’t Sign In?”. If you still are unable to successfully login, please give us a call at 205-930-5000.

Registering your device will make logging in easier in the future. Registering your device will also minimize the need for secure access codes during future log-in attempts.

However, you should not register a device that could be used by individuals you have not authorized to access your accounts.

Our new system has a much more extensive alert capability for both accounts and transactions, which you can easily setup online or within the mobile app.

Unfortunately, the alerts you may have had set up on the previous online and mobile banking experience did not carry over. We apologize for this inconvenience.

Yes, our new system will only support Web Connect. You will have to download a history file that contains up to 18 months of transactions in online banking and upload into your Quicken/Quickbooks account.

For instructions click here: Quicken Manual Update Instructions.

Internet Explorer and Firefox will not be supported by the new online and mobile banking platform. We encourage you to use Chrome, Safari, or Edge when accessing the new online and mobile banking experience.

Browser requirements: Chrome 78.0 (3440.106) and later, Microsoft Edge (79.0.309.65) and later,  and Safari 9.1.2 (11601.7.7) and later.

Bill Pay:

Yes, all of your current settings in Bill Pay will transfer over to the new system.

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.

To add payees, click on the Pay Bills/Pay A Person link on the left hand side menu, 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.

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.

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.

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.

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

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.

Remote Deposit Capture is provided to our members free of charge.

Checks must be endorsed as follows:

For Remote Deposit Only
Legacy CFCU Acct #123456
Your Signature

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.

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

Only one check can be submitted at a time. You may submit multiple checks in one day, but there may be a business day hold placed on all the items deposited that day.

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

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

Any more Questions or Comments? Send us an email ([email protected]) and let us know what you think!

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