How do I open a Legacy Checking Account and get a Debit Card?

Opening a Legacy Checking Account is free and takes less than 3-5 minutes. Visit legacycreditunion.com and select JOIN on the home page. Take a few moments to enter your personal info and complete the enrollment. Once the enrollment is completed, we'll send a Legacy VISA Debit Card in the mail to the address you provided or you can pickup an Instant-Issued VISA Debit Card in any of our convenient branches. Your new debit card typically arrives by mail in 7-10 business days. Download our mobile banking app, and log in. You can also login to online banking at legacycreditunion.com whenever you need it.

How old do I need to be to open an Everyday Checking account and have a Legacy Debit Card?

You can be as young as 13 years old! You must have a joint owner if you are under 18 years old. The joint owner does not have to be a Legacy member.

Does the Legacy Debit Card have a chip?

Your digital wallet services as a 'tap to pay'.

How many ATMs accept the Legacy Debit Card?

You can get cash at more than 40,000+ fee-free ATMs via the MoneyPass Network. Otherwise, out-of-network ATM withdrawal fees may apply. If you have an Engage Checking Account, ATM fees will be refunded up to $6/month when qualifications are met.

What if my Legacy Debit Card is lost, stolen, or misplaced?

If you have misplaced your debit card, you can 'freeze' your card in the Legacy Card Control App until found. Call (800)-910-4801 or 1-800-847-2911.

How can I get paid up to two days early?

You can get paid up to two days early with every direct deposit. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment dates.

Spend

Checking

Earn dividends with our Engage Checking Account, or keep things simple with no-nonsense Everyday Checking — both with fewer fees and full digital access.

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Credit Cards

Tap the spending power you deserve with a fixed-rate VISA® credit card — low APR, no annual fee, and rewards on eligible purchases*.

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UAB Students

The Official Credit Union of UAB, offering Blazers low-fee checking and a Student VISA® Card designed to help build credit responsibly.

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Digital Banking

Bank anytime, anywhere with Legacy's online and mobile banking to manage accounts, pay bills, and move money with ease.

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Let Us Help You Build a Legacy of Your Own

At Legacy Credit Union, we’re focused on building long-term relationships and providing the quality banking tools our members need to succeed today and thrive in the future.

Friendly, Local Advice

Guidance you can trust from local financial professionals who understand where you are and where you want to go.

Full Suite of Products

A full range of financial tools to support every stage of your journey — from checking and savings to loans, credit cards, and investing.

Member Benefits

As a Legacy Credit Union member, you get access to exclusive discounts, buyer programs, fraud protection, and additional member-only perks.

Lower Borrowing Rates

Because we’re member-owned, we’re able to offer lower loan rates on auto loans, home loans, credit cards, and more.

Higher Savings Rates

Earn more on your money with higher savings rates and investment options designed to help you build a more secure future.

Fewer Fees

As a member-owned financial cooperative, we keep costs low with fewer fees and lower charges than many traditional banks.

It's easy to join.

Step 1

Check You're Eligible

You're eligible if you live, work, worship, or attend school in Jefferson, Shelby, Blount, St. Clair, Walker, Chilton, Coosa, Cullman, Talladega, or Bibb county.

Step 2

Open a Share Account

With a deposit of just $5, you can open a savings account and become a member-owner of the credit union.

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Step 3

Enjoy Legacy Benefits

Enjoy full access to Legacy's financial products and services, plus exclusive member benefits and local support from our team.

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Get Started

Daily Banking FAQs

What banking services does Legacy Credit Union Offer?

Legacy Credit Union offers a full range of personal financial services, including checking and savings accounts, credit cards, loans, and digital banking tools to help you manage your money with ease.

Does Legacy offer tools to help me manage everyday spending?

Yes. Legacy provides debit cards, credit cards, and digital banking tools that make it easy to track spending, pay bills, and stay in control of your finances.

What are the benefits of banking with a credit union?

As a member-owned financial institution, Legacy Credit Union returns profits to members through fewer fees, better rates, and personalized service compared to many traditional banks.

What can I do with Legacy’s digital banking tools?

With online and mobile banking, you can check balances, transfer funds, pay bills, deposit checks, and manage your accounts anytime, anywhere.

How do I become a member of Legacy Credit Union?

Becoming a member is easy. If you live, work, worship, or attend school in eligible counties, you can join by opening a share savings account with a $5 deposit.

Is my money safe with Legacy Credit Union?

Yes. Legacy Credit Union is federally insured by the National Credit Union Administration (NCUA). Funds held in Legacy deposit accounts are protected by NCUA insurance.

What credit card options does Legacy Credit Union offer?

Legacy Credit Union offers members a VISA Platinum Preferred Card featuring a low fixed-rate APR*, a 2.99% introductory APR for the first six months, free balance transfers, and no annual or cash advance fees.

More Ways to Reach Your Financial Goals

Auto Loans

Get behind the wheel of a new or used vehicle with affordable vehicle financing. Legacy Credit Union auto loans offer great rates, flexible terms, and no fees.

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Incentive Savings

Need a little help with saving? Incentive Savings rounds up spending to the next dollar and deposits the difference in your savings account.
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Personal & Lifestyle Loans

Get the cash you need to turn your plans into reality. Our Personal and Lifestyle Loans offer easy access to affordable credit so you can make things happen.

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Routing #: 262086561

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