Everyday Checking

Benefits of Legacy Everyday Checking

Forget About Confusing Fees

Pay no monthly account fees and 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 excess amount into your Incentive Savings account.

Get a Debit Card Instantly

Local members get an Instant-Issued debit card and can immediately begin using it when opening an account in one of our branches. No waiting on the mail to deliver!

Enjoy Free Digital Banking

Free use of online and mobile banking, always.

Account FAQs

What fees does this account have?

Everyday Checking is designed to make it easier for you to do your everyday banking without penalties. That’s why we offer:

No Monthly Fees
No Minimum Balance Requirements
Free Debit Card for All Members Aged 13 and Up
One Free Box of Checks per year for members age 60+

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.

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Do I need to use a Legacy ATM to avoid out-of-network fees?

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

What Digital Banking services do you offer?

You can use a range of Digital Banking services with your Everyday Checking account.

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 quickly enable and disable transactions and set alerts and spending limits.
Leave your wallet at home and add your card to your 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.

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Can I link my checking account with a savings 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 Everyday Checking to your Incentive Savings Account.

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

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Where can I find a Legacy branch to open an account or do in-person banking?

We have branches throughout the Greater Birmingham area:

MAIN OFFICE: 1400 20th St South, P.O. Box 55377 Birmingham, AL 35255
Alabaster: 810 Colonial Promenade Pkwy, Alabaster, AL 35007
Baptist Health System – Princeton: 833 Princeton Ave SW Suite 109, Birmingham, AL 35211
Chace Lake: 1880 Chace Dr., Hoover, AL 35244
Meadowbrook: 200 Corporate Ridge, Birmingham, AL 35242
Homewood: 47 W Oxmoor Rd, Birmingham, AL 35209
Huffman: 9825 Parkway E, Birmingham, AL 35215
Trussville: 6001 Service Rd, Birmingham, AL 35235
UAB: 1920 4th Ave S, Birmingham, AL 35233

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More Legacy Accounts for You to Consider

Engage Checking

Earn 2.00% APY* and get ATM fee refunds based on your account engagement – all you have to do is meet our simple monthly qualifications.

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.

**Get paid up to 2 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 2 days earlier than the scheduled payment dates.