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.
You may continue to use your FCBC account, debit card, ATM, Bill Pay, etc. until the dates below. Please make note of the timeline, and plan accordingly.
· Thursday, February 26th at 5:00 PM CST: Zelle will no longer be accessible. You will be able to utilize ACH transactions post conversion.
· Friday, February 27th at 2:00 PM CST: FCBC Remote Check Deposits will be disabled.
· Friday, February 27th at 3:00 PM CST: FCBC Bill Payment will be disabled. Any Bill Payments scheduled to run after this time will not be completed.
· Friday, February 27th at 4:30 PM CST — Monday, March 2nd at 12:00 PM CST: All transactions will halt to initiate the conversion. During this time, you will not be able to utilize your FCBC/Legacy account, debit card, home-banking, or ATM. We encourage you to have backup methods of payments or funds during this conversion period.
· Monday, March 2nd at 12:00 PM CST: Members can begin using your newly converted Legacy accounts. At this time, you may do the following:
· Enroll in Legacy Digital Banking: Download the Legacy Mobile Banking App or utilize our Online Banking platform to enroll in Digital Banking. This process is quick and easy!
· Activate Your Legacy Debit Card: Prior to the conversion, you will receive your new Legacy Debit Card and an additional letter with detailed debit card information. Please place these items in a safe place and do not try to activate the card until Monday, March 2nd at 12:00 PM CST. Follow the prompts on the card to activate.
· See What Your Legacy Account Has to Offer: Check out all the new features available to you with your Legacy account! You may setup Bill Payments, ACH Payments, Digital Banking Alerts, and more!
Your existing FCB accounts will be integrated into the Legacy core system on March 2nd, 2026. 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.
· Account Numbers: With this integration, all FCBC account numbers will be converted to Legacy account numbers. You will be assigned a base account number, also known as member number. All additional accounts and loans will utilize the base account number and a suffix as the specific identifier. Below are the ways to access your new account number:
· Digital Banking Platforms (Online and Mobile App): You can register through our online portal, or through our Legacy Mobile Banking App on or after Monday, March 2nd, 2026, at 12:00 PM. This will be the easiest way to access your account number and manage your account. You may download the app from the AppStore or Google Play prior to the core conversion, but you will not be able to register on the platform until the conversion is complete.
· In Person Request at the Cullman Branch: You may request your new account number at the branch on or after March 2nd, 2026.
· Contact Center Request: You can request your new account number by calling 205-930-5000 on or after Monday, March 2nd, 2026. Please note, you may experience longer than normal wait times on Monday, March 2nd, 2026 due to high call volume related to the conversion. Please be patient as our team tries to assist you as quickly as possible. In order to verify your identity, you may be asked to provide the following information: Full Name, DOB, SSN, Home Address, Phone Number, or Email Address. Your account security is our top priority, and we take protecting your personal information very seriously.
Yes! The FCB Cullman branch location will remain open and become the Legacy Cullman Branch open to all Legacy members on October 1, 2025. First Community accounts will be integrated into the Legacy systems on March 2nd, 2026.
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.
As of March 2nd, 2026, 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 March 2nd, 2026, you will need to identify yourself as a Legacy Credit Union member when conducting service center transactions.
After March 2nd, 2026, 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.
From now until March 2nd. 2026, you will continue to use the FCB online banking access. Your current username/password will be inactive after February 28th, 2026.
On or after March 2nd, 2026, you will need to setup a new username/password on the Legacy Digital Banking platform (online or mobile).
On or after March 2nd, 2026: 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 March 2nd, 2026, 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.
On or after March 2nd, 2026, you will be able to enroll as a new user in Legacy Digital Banking and handle your finances on any device, anytime, anywhere.
After March 2nd, 2026, you will not see past account history on Legacy Digital Banking. However, all members will receive a paper statement in the mail for February 2026 transactions. We recommend you save paper statements or .pdf of estatements leading up to this date if you have a need for previous history.
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 until February 28th, 2026. While you may receive a new Legacy debit card in the mail sometime early 2026, please wait to activate your new Legacy debit card until AFTER March 2nd, 2026 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 March 2nd, 2026. However, if you need to order new checks after March 2nd, 2026 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.
