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Important Account Information

What is changing

Changes to the rules for Automated Clearing House (ACH) processing for ACH debits (payments) are going into effect nationwide on September 15, 2017. As a result, payments may clear your account on the same day you authorize them instead of a day or two later beginning September 15, 2017. This processing change may also affect the checks you write.


What you need to know

It is important for you to make sure sufficient funds are available in your account before you make or schedule payments or write checks to avoid unnecessary insufficient funds, overdraft, or courtesy pay fees. Previously, ACH payments or checks could have taken 1-2 days to post to your account. Now those payments or checks may post on the same day you authorize them.

Legacy offers several free and easy-to-use tools you can use to check your account balance and manage your accounts.

  • Legacy Connect Home Banking
  • Bill Pay
  • Legacy Mobile Banking

Legacy also offers Overdraft Protection Plans to help you avoid unexpected insufficient funds fees. More information is available on our website by clicking here, and you can visit any of our convenient branch locations to add Overdraft Protection to your account.

If you have any questions, please contact us at 930-5000 or 800-828-0103.


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