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FREQUENTLY ASKED QUESTIONS

What would you like to know? Just ask.

Credit unions operate a little differently. Here are just a few of the questions we hear from both members and those who are new to us.

General Questions

Our main office is open Monday through Thursday 9:00 a.m. to 4:30 p.m. and Friday 9:00 a.m. to 6:00 p.m. For our other office hours visit our Branch Locations page.

Yes, we do 1st and 2nd Mortgage Loans, Construction Loans and Home Equity Lines of Credit. For more information call our Real Estate Department at (205) 930-5000 or visit a branch near you. Learn more on our Mortgage page.

Click here to use our online loan application. If you prefer, you can contact our Member Service Center at (205) 930-5000, and we’ll mail or fax you the application; or you can come into any branch and apply in person.

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

We have 8 branches in the Birmingham area. Visit our Branch Locations page for specific addresses.

For your security we require that you notify us in writing. Include your name, account number, new address and signature to authorize a change in your address. Please mail or fax this information to Legacy Community Federal Credit Union, 1400 South 20th Street, Birmingham, AL 35205. Fax: (205) 918-1431.

To change your payroll deduction form, you can ask anyone at our Branch Locations or contact the Member Service Center at (205) 930-5000 or by email [email protected].

Digital Banking Questions

Digital Banking is a convenient deposit service that allows you to use Legacy’s Mobile Banking Application to make check deposits from any location with secure Internet access.

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. Once logged into your Legacy Mobile Application click on the ≡ Menu button in the upper left hand corner. Then choose Deposit. In the upper left hand corner of the deposit screen touch the ⁞ button and select deposit history. Then select the deposit you wish to view.

Yes, immediately after you access Remote Deposit Capture for the first time. 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. Once logged into your Legacy Mobile Application click on the ≡ Menu button in the upper left hand corner. Then choose Deposit. In the upper left hand corner of the deposit screen touch the ⁞ button and select deposit history. This will list all deposits made by RDC and it will show accepted, pending or rejected. You can check your account history to see if a hold was placed on the deposit.

Checks can be scanned into your shares or checking (share draft) accounts.

Only one check can be submitted at a time with Remote Deposit Capture.

Yes. However, 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

Remote Deposit Capture contains copies of checks scanned over the past 90 days. They are available on your Deposit History page.

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

Your Digital Banking session will time-out after 15 minutes of inactivity. Please try to complete your deposit within 15 minutes.

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

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