Skip links

Engage Checking, a High-Yield Checking Account

Earn 3.00% APY* on up to $15,000 each month that you’re actively engaged with your account. Plus, there’s no minimum balance and no monthly fee**!

A man smiling after opening a high-yield checking account with Legacy Credit Union.

Benefits of an Engage High-Yield Checking Account:

Forget about confusing fees

Pay no monthly account fees** and there are no minimum balance requirements.

Access 40,000+ fee-free ATMs

Avoid out of network ATM fees. With Legacy, you get access to 40,000+ fee free ATM’s. Use the map in your Legacy app to find the closest fee-free ATM near you.

Get Your Money Faster

Get your direct deposit or payroll in your account up to two days early.

Stay In Control

Can’t find your debit card? No worries. Easily disable transactions in the Legacy Card Control App. No need to call us or explain. If you end up needing to replace your card, just let us know!

Check Deposits Are Easy

Use remote deposit in the Legacy Digital Banking App to deposit checks without visiting a branch.

Save Effortlessly

Round up any debit card transactions to the dollar and we will automatically transfer the amount in excess to your Incentive Savings account.

Use Your Debit Card Immediately

With Instant-Issued debit cards for those local, you can begin using your debit card right away. No waiting on the mail to deliver!

Enjoy Free Digital Banking

Free use of online and mobile banking, always.

Details About Our Engage High-Yield Checking Account

Why leave your checking account funds sitting there doing nothing when they could be earning you interest?

  • Earn 3.00% APY* on your account balance of up to $15,000 when you meet our simple criteria:
    • Be enrolled and log in to Digital Banking at least once each month, whether Online or Mobile.
    • Have at least $500 in payroll or direct deposits each month.
    • Post at least 20 debit card transactions each month.
  • No monthly fees**
  • No minimum balance requirements
  • Get paid up to two days early
  • Free instant-issued debit card
  • Use Mobile Wallet and mobile payment platforms including Apple Pay and Google Pay.
  • Use Mobile Deposit to deposit checks without visiting a branch.
  • Use the Legacy Card Control App to enable and disable transactions, set alerts, and more.
  • Access to over 40,000+ MoneyPass surcharge-free ATMs, plus Legacy ATMs.
  • You can choose to grow your savings whenever you use your debit card.
  • We can round up to the dollar and transfer the difference to your Incentive Savings Account.

Choose this account if you want to be rewarded for living your busy, successful Alabama life.

A happy woman uses her phone and debit card synced with her Engage Checking Account.

Legacy Credit Union High-Yield Checking Account Rates

Type Term/Amount APY*
Engage Checking Up to $15,ooo.oo** 3.00%
$15,000.01 or More** 0.00%
When Monthly Qualifications Aren’t Met 0.00%

The Application Process for Engage Checking Is Simple

Apply Online

Apply Online

Enter your details into our secure online application  portal to open a high-yield checking account.

Access Your Account

Access Your Account

Use Mobile or Online Banking to see your new account and set up any deposits or payments.

Unlock Benefits

Unlock Benefits

Enjoy all the rewards that come with this account simply for doing your regular transactions.



“I’ve been a member for over 25 years and I haven’t found any reason to leave. Friendly staff and outstanding service. I’ve always been treated fairly and they are a big part of my banking needs. Keep up the good work.”

– John F., Birmingham, Alabama

FAQs About Our Engage Checking Account

Engage Checking lets you earn interest on your balance while paying fewer fees so more money stays in your pocket. That’s why we offer:

  • No Monthly Fees**
  • No Minimum Balance Requirements
  • Free Instant Issued Debit Card
  • One Free Box of Checks per year for members age 50+

We do charge a fee for certain transactions that fall outside your regular banking needs, including stop payments, debit card replacements, and wire transfers. You can ask for a full list of fees anytime!

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.

No, you can enjoy the convenience of ATM services by using a free Legacy ATM plus over 40,000 MoneyPass ATMs across the U.S.

Your Engage Checking Account is highly compatible with a range of Digital Banking services:

  • Access and manage your accounts using Online Banking or our Mobile App.
  • Stay in control of your account with the Legacy Card Control App, which lets you easily enable and disable transactions, and set alerts and spending limits.
  • Leave your wallet at home and add your card to Mobile Wallet.
  • Use a range of mobile payment platforms including Apple Pay and Google Pay.
  • Take a photo of your checks using the Mobile Deposit feature and quickly gain access to your funds.
  • Set up Bill Pay to automatically or manually pay your bills.
  • Set up Direct Deposits to receive your paycheck and Payroll Deductions to have funds go automatically to your savings or another account.

Yes, you can grow your savings as you spend with our Incentive Savings program. Every time you swipe your debit card, we can round up to the nearest dollar and transfer the round-up from your Engage Checking to your Incentive Savings Account.

In your Incentive Savings Account, you can earn up to 5.00% APY* on the first $1,000.

We have branches throughout the Greater Birmingham area:

Reach Out to Legacy:

Call: 205-930-5000
Contact Us

More Great Legacy Account Options

Everyday Checking

This is the no-frills account to handle your everyday needs with no minimum balance and no monthly fee. Plus, get paid up to two days early.

Learn More

Incentive Savings

Earn 5% APY* for your first $1,000! Saving is easier than ever. Simply round up your debit card purchases to the next dollar and transfer it to your high-yield savings account.

Learn More

Investment Accounts

Take your savings to the next level. Enjoy competitive rates, flexible terms, and the peace of mind of having your funds federally insured.

Learn More

*APY = Annual Percentage Yield.

** no monthly fee applies when qualifications are met. Monthly qualifications are:

  • Be enrolled and log in to Digital Banking once per month, whether Online or Mobile.
  • Have at least $500 or more in payroll or direct deposits each month.
  • Post at least 20 debit card transactions each month.
Return to top of page

New Member?
Forgot Password?