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.

Checking Accounts

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

Checking Account FAQ

What types of checking accounts does Legacy Credit Union offer?

Legacy Credit Union offers two checking account options to fit different needs. Our Engage Checking Account is a high-yield account that rewards members with dividends when monthly qualifications are met, such as logging in to digital banking, posting a direct deposit, and using a Legacy debit card. We also offer Everyday Checking, which provides full-service checking with no monthly maintenance or low-balance fees, but does not earn dividends.

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.

Does Legacy offer special accounts or benefits for UAB students?

Yes. Legacy Credit Union is the Official Credit Union of UAB and offers UAB students access to our full-service Everyday Checking Account. Students may also apply for a Student VISA Card to help establish credit, along with car loans and other financial services designed for student needs.

How do I access my accounts through digital banking?

You can access your accounts anytime by logging in through the Legacy Credit Union website or by downloading the Legacy mobile app from the Apple App Store or Google Play.

What are the benefits of opening a checking account with a credit union?

Credit unions are member-owned financial cooperatives, which means profits are returned to members rather than outside shareholders. As a result, members typically enjoy fewer fees, lower charges, and better dividend rates compared to traditional banks.

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.

Are my funds in a checking account insured?

Yes. Funds in a Legacy checking account are insured by the NCUA up to $250,000 per account, just like all other eligible credit union deposit accounts.

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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