Running a small business can feel a lot like spinning plates: you’re managing payroll, monitoring customer satisfaction, tracking expenses, and making big-picture decisions, all at once. It’s fast-paced, hands-on, constantly evolving, and without the right banking tools, it can feel entirely overwhelming. At Legacy Bank, we work with local business owners every day, and we’ve seen firsthand how the right banking support can make a world of difference. Whether you’re just getting started or looking to scale, we’re exploring the must-have banking tools every small business should have in its corner!

Personalized Customer Service

Let’s face it; nobody likes getting stuck in a loop of automated menus when you have pressing business to take care of. For small businesses, having a go-to person at your bank—someone who actually knows your name and understands how your business operates—can be a game-changer. Whether you’re applying for a loan, setting up merchant services, or have a quick question about your account, that personal connection saves time and cuts through confusion. When selecting the right bank for your small business, look for institutions that strike a balance between digital convenience and genuine human support. This way, there’s always a real person you can call when things get complicated.

At Legacy Bank, we’re committed to providing you with the best customer service to meet your business’s banking needs. Contact us online or visit us in person at your nearest Legacy Bank branch location!

Direct Deposit

Payday shouldn’t be a hassle for you or your team. With direct deposit, you can skip the paper checks and transfer salaries directly into employees’ bank accounts, reducing administrative overhead. Beyond saving time, direct deposit can help you stay organized as a business owner. With a clear digital trail for every payment, you can better budget, manage your books, and prepare for tax season.

Business Credit Cards

Business credit cards are more than a payment tool—they can help manage cash flow and build creditworthiness. By using a dedicated card for business purchases, you can easily track spending, separate expenses, and simplify your tax filings. When used strategically, a business credit card can help you establish a strong credit history, which can be beneficial when applying for a loan or exploring new financing options in the future. And depending on the card you choose, you may even earn cashback rewards or travel perks (all of which you can reinvest in your business!).

Apply for a business credit card through Legacy Bank!

Merchant Services

When choosing a banking partner for your business, it’s important to find one that offers more than just the basics, and at Legacy Bank, we go a step further. By partnering with Fitech by Deluxe, we’re able to deliver comprehensive payment solutions tailored to your needs. Fitech is a leading payment technology provider, offering secure, PCI-compliant hardware, software, and gateways that enable you to process transactions in-store, online, and on the go. Whether you need a simple countertop terminal or a full-scale point-of-sale system, our solutions scale with your business and include valuable features like next-day funding, EMV and tokenization security, and award-winning 24/7 customer support. With a single management platform, you can streamline operations and access built-in payment processing designed for a wide range of industries, including:

• Churches and Nonprofits
• eCommerce
• Retail
• Restaurants
• Medical Salons and Spas

Learn more about Legacy Bank’s comprehensive merchant services!

Online Banking Tools

Being able to monitor your business finances from anywhere isn’t just convenient, it’s essential. A strong online banking platform gives you the freedom to check balances, transfer money, and track spending anytime, whether you’re at your desk or on the go. Digital tools, such as remote deposit capture, online bill pay, and card control, are designed to help you stay organized while saving time. Plus, with built-in security tools, you can feel confident knowing your financial information is well-protected. When it comes to your business, choose a bank that provides you with the control and flexibility to manage your money your way.

Find out how Legacy Bank’s digital tools can help boost your business!