EVERYDAY CHECKING

Your Legacy Everyday Checking account comes with a debit card, no monthly fees, or minimum balance requirement. Plus, get paid up to two days early!**
Everyday Checking meets your everyday spending needs and doesn’t penalize you for using your account how you want.
Benefits of a Legacy Everyday Checking Account:
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.
Everyday Checking Account Details
Legacy Everyday Checking meets your daily spending needs and doesn’t penalize you for using your account how you want.
- No monthly fee checking account.
- No maintenance fee checking account.
- No minimum balance requirements.
- Get paid up to two days early.**
- Free 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.
Find out how Legacy Credit Union can make everyday Alabama life easier and simpler!

Everyday Checking for Youth
Legacy Everyday Checking is for everyone, even those just starting their financial journey. An Everyday Checking account can help children and teenagers learn money management from a young age. Teens 13 and older are also eligible for a Legacy debit card with their Everyday Checking account.
Open an account for your child online to help them learn the basics of money management and get their financial journey started right.

Opening an Everyday Checking Account Is Easy

Apply Online
Enter your details into our secure online application portal to open a checking account and become a member.

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

Enjoy the Features
Start taking advantage of everything this convenient account offers to make your life easier.
★★★★★
“I have been a Legacy member for several years. Great, helpful and very friendly people. I never want to leave Legacy.”
– Ruby H., Birmingham, Alabama
FAQs About Everyday Checking Accounts in Alabama
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+
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 surcharge-free MoneyPass ATMs across the U.S.
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.
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.
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
Contact Legacy Today:
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.
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.
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.
*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.