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THE RATE YOU NEED

Help your money grow faster with competitive rates–up to 5% on select accounts.

SEE OUR RATES

NEW WAY TO SAVE

Round up any debit card purchases to the next whole dollar and transfer the amount in excess to your Incentive Savings account. 

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CHECKING

More than checking. Flexibility.

Checking Accounts

You want to be smart with your money–and enjoy the most convenience, too. Whatever your needs and lifestyle might be, Legacy has great options. Each of our unique checking accounts feature no monthly fees or minimum balance requirements and also include free standard features like Digital Banking, eStatements, Bill Pay, Mobile Pay, and Instant Issue Debit Cards! Also, for eligible checking accounts, opt-in for our Incentive Savings feature that rounds up your Legacy VISA debit card purchases to the nearest dollar and sends the savings into an interest bearing club account! Best of all, whether you’re switching to Legacy or opening up your first checking account, we make everything easy.

Premier Checking


Want checking that pays you better than most savings accounts will? With Premier, you can earn 2% APY* on balances up to $15,000 and .50% APY* on balances exceeding $15,000. And don’t worry, whenever qualifications1 are not met, we won’t penalize you. You still earn a minimum of .25% APY* regardless! Non Legacy ATM fees are automatically refunded up to $20 per cycle (when qualifications are met).

Qualifications to earn 2.00% APY and ATM Refunds


  • Enroll and receive E-Statements
  • Make 12 debit card transactions posted to account (return/refund transactions do not count toward qualifications)
  • Have 1 direct deposit to the account OR 1 automatic payment via ACH (Automated Clearing House) entry
  • Access Online Banking (Legacy Connect) at least once during a cycle

Please view & print cycle dates for your convenience:
Premier Qualification Cycles PDF

Premier Cash Back Checking


This is not only a FREE checking account but one that pays you for doing things that you’re already doing!

  • No monthly service charges
  • No minimum balance required
  • Free Visa debit card
  • Earn 2% Cash Back on the first $500 of Debit Card purchases (per cycle)
  • Non-Legacy ATM fees automatically refunded up to $20 per cycle (when qualifications are met)

Qualifications to earn 2.00% APY and ATM Refunds


  • Enroll and receive E-Statements
  • Make 12 debit card transactions posted to account (return/refund transactions do not count toward qualifications)
  • Have 1 direct deposit to the account OR 1 automatic payment via ACH (Automated Clearing House) entry
  • Access Online Banking (Legacy Connect) at least once during cycle

Please view & print cycle dates for your convenience:
Premier Qualification Cycles PDF

Student Checking


Student Checking is designed specifically for college students who are looking to step into adulthood on the right foot. While you get started in your career, Legacy will help you build your financial future. 

  • No minimum balance. No monthly fee.
  • FREE ATM access at Legacy and over 30,000 surcharge-free ATM’s and across the U.S. and abroad.
  • Student VISA Credit Card option to help build and establish credit.
  • Oops Forgiveness – 1 waived Overdraft Fee in the first 12 months (Upon request only).

Do you currently attend or are you planning to attend UAB (University of Alabama at Birmingham)? UAB students are eligible for Blazer Banking which has all of the same features and benefits, and more! Check out BLAZER BANKING!

To open any of these checking accounts, visit your nearest branch or apply online.

Lost or stolen card: ATM/Debit Card: 800-910-4801

You can reorder your checks by contacting any of our Branch Locations or by contacting Harland-Clarke Check Reordering.

*APY = Annual Percentage Rate.

Legacy Checking Accounts are subject to Chexsystems approval. 

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Overdraft Protection & Privilege

We offer a variety of Overdraft Protection plans for all our checking accounts. Make sure you never overdraw your checking account ever again.

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