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Simple. Easy. Convenient.

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 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.

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!

A man uses his laptop and debit card to manage his finances with an Everyday Checking Account.

Opening an Everyday Checking Account Is Easy

Apply Online

Apply Online

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

Access Your Account

Access Your Account

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

Enjoy the Features

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
  • One Free Box of Checks per year for members age 50+

We do charge a fee for certain transactions that fall outside everyday banking, including stop payments, debit card replacements, and wire transfers. You can ask for a complete 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 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:

Contact Legacy Today:

Get Pre-Approved
Call: 205-930-5000
Contact Us

More Legacy Accounts for You to Consider

Engage Checking

Earn 3.00% 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.

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