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



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



More than checking. Flexibility.

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.

No Monthly Fees
Get Paid Early
No Minimum Balance
40,000+ Fee-Free ATM’s
Security & Control
Instant Issued Debit Card
Mobile Payments
Round-Up Savings > Incentive Savings

Legacy Everyday Checking meets your everyday spending needs and doesn’t penalize you for it. Everyday Checking comes with a debit card, no monthly fees or maintenance fees.


Earn 3.00% APY* on balances up to $15,000
Get Paid Early
No Minimum Balance Fees – ever
40,000+ Fee-Free ATM’s
Security & Control
Instant Issued Debit Card
Mobile Payments
Round-Up Savings >Incentive Savings

Legacy Engage Checking pays you BIG based on your engagement level. With just a few simple steps to meet our monthly qualifications, you will earn up to 3.00% APY* on balances up to $15,000.




Best if you want: A simple and easy checking account that meets your everyday spending needs. A rewarding checking account that pays you BIG based on your engagement level.
Monthly Fee $0 $0

($10 monthly fee if qualifications are not met)

Minimum Balance $0 $0
Dividend Rate
Annual Percentage Yield 3.00% on balances up to $15,000
ATM Fee Reimbursement
Free Bill Pay
Digital Banking
Free Debit Card
Get Paid Early
Legacy Card Control App
Round-Up Savings
Age 60+ gets one free box of checks per year


Opening a Legacy Checking Account is free and takes less than 3-5 minutes. Here's how to apply online:

Visit 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 whenever you need it.

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.

Your Legacy VISA Debit Card comes equipped with the latest EMV chip technology to make your debit card more secure.

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.

If you have misplaced your debit card, you can "freeze" your card in the Legacy Card Control App until found. If you need to report and replace a lost or stolen debit card please contact: 800-910-4801.


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

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Get Started Today

Opening a Legacy Engage Checking Account is free and takes less than 3-5 minutes, with no impact to your credit score. You’ll need to have a few items handy:

  • Government issued ID or Passport with a current address
  • Your physical & mailing addresses
  • Social Security Number for you and any beneficiaries
  • DOB for you and any beneficiaries

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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