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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. 



UAB Student? Get fired up about becoming a Legacy member for life.

Joining Legacy is an amazing way to get started in your financial life, with all the benefits a college student needs.

  1. FREE Everyday Checking.
  2. FREE ATM access at Legacy and more than 40,000 surcharge-free ATMs across the U.S. and abroad.
  3. No Minimum Balance. No Monthly Fee.
  4. We’re local. Your money stays in your community.
  5. Special perks, such as our Student VISA Credit Card or College Graduate Car Loan.


That’s what Legacy is all about. Our accounts are designed with students in mind to give you a solid start on building your financial future.

Legacy Account Features

Everyday Checking Account


To open a Legacy Everyday Checking account, visit your nearest branch or apply online.


To report a lost or stolen debit card: 800-472-3272


Share Account (Savings)

  • Only $5 to open a basic Savings Account
  • No Monthly Fees

To open a Legacy account, visit your nearest branch or apply online.


Student VISA Credit Card

  • $500 credit limit with no annual fees
  • 12.90% APR**
  • No credit history is required for this special account***

To open a Legacy Student VISA Credit Card, visit your nearest branch or apply online

 **APR = Annual Percentage Rate. Subject to approval. See credit union for details.
***Applicants under 19 must have a parent/guardian co-signer.



What you need to know.

Legacy Credit Union is the Official Credit Union of the University of Alabama at Birmingham and is committed to serving UAB Students during their time at UAB and beyond graduation into every stage of life.

In order to view account information through online banking, you will need to be a joint on the account and have access to your student’s online username and password.

Make deposits at over 5,000 nationwide CO-OP Shared Branches, or directly to the Credit Union by mail. Some parents choose to designate an amount of their paycheck to be directly deposited into the student’s account as a monthly allowance. Wire transfers are another option for fast transfers of cash.

Legacy Community Federal Credit Union is the Official Credit Union of UAB and offers exclusive benefits to UAB students. We are a member owned, not-for-profit financial cooperative that serves as a trusted alternative to traditional for-profit banks. Simply put: fewer fees, better rates, and personal service.

With Joint Ownership, parents have full access to the account. Joint owners are held financially responsible for any defaults or overdrafts. As a joint owner, parents are eligible for a VISA Debit Card, which can be used to make deposits.

A local account allows easy access to their money and personalized problem solving if needed. Experts agree this is important in putting money management skills into practice and establishing good credit. If the bank isn’t local, students can quickly rack up foreign ATM fees and surcharges by using machines outside of their bank’s network. Legacy has two branches near UAB in Downtown Southside, and 7 more in the metro Birmingham area.

Here are some of the ways you can transfer funds if you’re a joint on your child’s account:

  • Transfer funds online from a non-Legacy financial institution (check with your financial institution to see if this is an option and what the associated costs might be).
  • Make a transfer from your Legacy account to your child’s account (online, in-person, by mail).
  • Set up cross-account deposit access (note, you won’t be able to view your child’s account information) or 360 account access (allowing you to deposit AND view your child’s account information). These options have to be set up ahead of time by calling one of our Call Center Representatives at 205.930.5000.
  • Wire money to your student’s account.
  • Set up direct deposit transfers to your student’s account from your paycheck (if direct deposit is available from your employer).
  • Make a deposit at over 5,000 CO-OP Shared Branches nationwide.
  • Make a deposit at over 40,000 MoneyPass ATMs nationwide. If you’re not a joint owner, you can transfer funds via:
  • Mail in a check (made payable to your child’s full name as it is listed on the account);Send to: Legacy Community Federal Credit Union P.O. Box Birmingham, AL
  • Call 205.930.5000 and do a cash advance deposit by phone (fees may apply).
  • Add your child as a “Payee” in your financial institution’s Bill Pay.
  • If your financial institution offers POP Money (a.k.a. “Pay Other People”), Legacy Credit Union account holders can receive POP Money transfers.
  • Make a deposit at a CO-OP Shared Branch(cash deposits only).
  • Set up cross-account deposit access. Note: This will allow you to deposit into your child’s account but not view the account information. This has to be set up ahead of time. Please call one of our Call Center Representatives to get this set up at 205.930.5000.
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