It’s a pleasure to welcome you to Legacy Credit Union! We intend to make the transition for you as simple and easy as possible. Please refer to this page for any questions you may have, upcoming key dates, and current merger related info.
Legacy and FCB share similar culture and values and place the same strong emphasis on service. Legacy will be able to provide new products and benefits, and it increases access to a wider branch and ATM network. Legacy is committed to providing First Community Bank customers the highest level of service and personal attention.
When FCBC made the decision to seek a partner, their first priority was to identify a financial institution that had a similar culture and philosophy that was focused on the community, customers, employees, and personal service. That is exactly what they found in Legacy. As a community-chartered credit union, Legacy has been meeting the financial needs of our members for over 70 years. With a strong commitment to service and growth, Legacy is driven by four core values that shape our culture, inform our decisions, and undergird our operations. These values are excellence, education, energy, and empowerment, and we are uncompromising in our efforts to reflect these qualities in the way we do business.
Your existing FCB accounts will be integrated into the Legacy core system on October 1, 2025 (anticipated date). Once this occurs, you should experience no changes other than the following:
Unless otherwise notified, your existing loan and certificate of deposit accounts and terms will remain the same. In the future as a Legacy member, you may experience more favorable rates and terms.
You will be assigned a "member number" and will receive this information in the mail.
You will not need to update your MICR/Routing number for any ACH payments at this time. If you need assistance to setup your new payroll or new ACH method, you can call our Contact Center at 205-930-5000 or info@legacycreditunion.com. We will be able to provide you with any accurate MICR/Routing information. An example of this would be with your employer’s HR department for setting up payroll/direct deposit. You may also access your new MICR/Routing information via online or mobile banking.
Yes! The FCB Cullman branch location will remain open and become the Legacy Cullman Branch open to all Legacy members on October 1, 2025 (anticipated).
You will continue to receive the same excellent service from the existing branch staff. Retaining the staff and welcoming them into the Legacy team is a top priority during the changes ahead.
After October 1, 2025 (anticipated), you will be able to utilize any Legacy location or branch within our shared network.
Yes you will have access to over 5,000+ shared branches nationwide. Please note that after October 1, 2025 (anticipated), you will need to identify yourself as a Legacy Credit Union member when conducting service center transactions.
After October 1, 2025 (anticipated), you may access any Legacy ATM location and you will also have access to surcharge free ATM’s nationwide through the MoneyPass network that you can find at moneypass.com.
Yes, after October 1st, 2025, the hours of operation will be the following:
Monday – Thursday 8:30 a.m. – 5:00 p.m.
You will have the option to consolidate your accounts into one. If you wish to do this or speak to someone about consolidating your two accounts, contact us at 930-5000 or info@legacycreditunion.com
Yes, all employee phone numbers have been updated and you will need to contact the Legacy Contact Center for any questions or concerns at 205-930-5000. For the next several months, if you dial an old FCB phone number, it will direct you to the Legacy Contact Center.
The quickest, most secure way to communicate with us is within online or mobile banking. Once you login and authenticate yourself, you may communicate with us several ways:
Our Contact Center is also available during regular business hours at 205-930-5000 or info@legacycreditunion.com.
At this time, Legacy ATM’s do not accept deposits. While you cannot deposit checks at our ATM’s we do offer Remote Deposit Capture through our mobile app saving you time and money driving to an ATM. We do have night depositories at all branch locations.
You can find a detailed Fee Schedule here.
Your loan will have the same rate, terms and conditions, and will remain unchanged through the lifetime of the loan.
Yes, your current username/password will be inactive on September 30th, 2025, at 1 PM CST. On or after October 1st, 2025, you will need to setup a new username/password on the Legacy Digital Banking platform (online or mobile).
Instructions for setting up access to Legacy Digital Banking, links to download our mobile app, and how to get enrolled can be found here.
Usernames must be at least 6 characters in length. Usernames can not contain your account number, and if using special characters are limited to the following: (@ _ . - +).
Passwords must be at least 8 characters in length. Must contain at least three of: upper case, lower case, letter, number, symbol. Passwords can not contain your User name, SSN or account number.
Beginning on or after October 1, 2025, FCB new users will need to REGISTER as a new user online or in the mobile app.
All you will need to get setup is your Social Security Number (SSN), Date of Birth (DOB), and your Zip Code.
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 have a current mobile number or email on file you will not be able to authenticate your account. Please contact us to update this information at 205-930-5000.
Yes, each owner on the account will be able to enroll and setup his or her own username and password.
Yes, on or after October 1, 2025 (anticipated),you will be able to enroll as a new user in Legacy Digital Banking and handle your finances on any device, anytime, anywhere.
After October 1, 2025, you will not see past account history on Legacy Digital Banking. However, all members will receive a paper statement in the mail for September 2025 transactions. If you need a print out of your statement or history for specific dates, please contact our Contact Center or info@legacycreditunion.com.
You may continue to use your FCB debit card through September 30th, 2025. While you may receive a new Legacy debit card in the mail sometime mid-September, please wait to activate your new Legacy debit card until AFTER October 1, 2025 to avoid complications.
Yes, your checking account will remain the same.
Legacy offers many great options for checking accounts! You can find all the details about Legacy Checking HERE.
Yes, you will be able to use your checks even after October 1, 2025. However, if you need to order new checks we ask that you give us a call at 205-930-5000 so we can order them through the appropriate check provider.
Since 1955, Legacy Community Federal Credit Union (commonly referred as “Legacy”) has taken great pride in helping their members along every step of their journey. Legacy is a financially strong, well-capitalized credit union. Our vision is simple: We Craft Financial Solutions. We do this with low fees for our services, competitive loan rates, and helpful advice whenever it is needed. Every day, in every way, you can count on us as a partner in making the most of your money.
Yes, the merger with FCB brings an increase of additional loan officers ready to serve you. The same friendly, quick service you receive today will continue.
Your accounts will transfer from the Federal Deposit Insurance Corporation (FDIC) to the National Credit Union Share Insurance Fund, which is backed by the full faith and credit of the U.S. Government and managed by the National Credit Union Administration (NCUA).
Note: See NCUA’s website at www.ncua.gov and FDIC’s website at www.fdic.gov for more detailed information about share and deposit insurance.
We are here to answer your questions! Please do not hesitate to contact Legacy Credit Union at 205-930-5000 or info@legacycreditunion.com if you have any questions about this partnership and what it means to you.
