Personal Checking Accounts That Work for You
From no balance requirements or maintenance fees to accounts that generate interest on your balance, we have personal checking account options that work for you.
Why Bank With Legacy
Open an Account Online
Required Information
Before proceeding, ensure you have the below information. Please keep in mind that, due to security reasons, once you start the process, you will not be able to return to previous steps to revise your information.
- Address, phone number and email address
- Social Security number, date of birth and identification, such as a driver’s license, state-issued identification or a passport
- Mother’s maiden name
- Employment status
- Funding for the new account (You will need the account number and routing number of another bank account or a debit/credit card.)
Important information about procedures for opening a new account: To open an account, you must be at least 16 years of age, must be a Kansas resident and cannot be a resident alien. If you do not meet these requirements, you may still open an account in person at any Legacy Bank location or by calling us at 316‑260‑3711. Some accounts may not be eligible to open online.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What that means to you: when you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask you to send us a copy of your driver’s license or other identifying documents.
Free Checking
- No minimum balance requirements
- No monthly maintenance fee
- No per-transaction fee
- Unlimited check writing
- Free E-statements required
- Instant issue debit cards
- 55,000 surcharge-free ATMs
- Refer to Fee Schedule for additional fees that may be assessed
Interest NOW Checking
- $1,000 minimum opening deposit
- No monthly maintenance fee if minimum daily balance is $1,000 or higher
- $8 monthly maintenance fee if minimum daily balance falls below $1,000
- Interest rate subject to change – interest is compounded and credited monthly
- Interest is paid on all balances
Interest Checking Account Deposit Rates
Note: scroll left and right to view full table.| Product | Minimum Opening Deposit | Interest Rate | APY | Open Account |
|---|---|---|---|---|
| Interest NOW Checking | $1,000 | 0.25% | 0.25% | Open Online |
The annual percentage yields (APY) are accurate as of today and are subject to change without notice. The annual percentage yield on all Time Deposits with a term length indicated in a range of days/months is calculated on the maximum term length for that particular deposit.
Please note:
- The interest rate and APY may change after account opening.
- Fees may reduce earnings.
- Interest NOW Checking Disclosure
Money Market Account
- $2,500 minimum opening deposit
- No monthly maintenance fee if daily balance is $2,500 or higher
- $8 monthly maintenance fee if daily balance is lower than $2,500
- Six checks per month allowed, a $10 charge will be assessed per withdrawal after six
- Interest rate subject to change, compounded and credited monthly
Money Market Checking Account Deposit Rates
Note: scroll left and right to view full table.| Product | Minimum Opening Deposit | Daily Balances of: | Interest Rate | APY | Open Account |
|---|---|---|---|---|---|
| Money Market | $2,500 | Up to $99,999.99 | 0.60% | 0.60% | Open Online |
| $100,000—199,999.99 | 0.75% | 0.75% | Open Online | ||
| $200,000 —999,999.99 | 1.00% | 1.00% | Open Online | ||
| $1,000,000 and up | 2.23% | 2.25% | Open Online |
The annual percentage yields (APY) are accurate as of today and are subject to change without notice. The annual percentage yield on all Time Deposits with a term length indicated in a range of days/months is calculated on the maximum term length for that particular deposit.
Please note:
- The interest rate and APY may change after account opening.
- Fees may reduce earnings.
- Disclosure
From no balance requirements or maintenance fees to accounts that generate interest on your balance, we have personal checking account options that work for you.
Note: scroll left and right to view full table.From Susan Ackeridge, Legacy Bank CustomerGetting started was quick, easy and efficient. I even left with a debit card in hand.
Help Center
Deciding what to do with your money doesn’t have to be overwhelming. Check out our Help Center for
free resources and answers to the most common questions!
Customer Resources
Switch Kit
Switching to Legacy Bank? Download the document through the link below to make the switch!
Download Document
Personal Check Re-Order
Follow the link below to re-order checks for your personal accounts
Visit Website Access Your Credit Card Statement
Follow the link below to register and access your credit card statement.
Visit Website Apply for a Credit Card
Follow the link below to apply for a credit card through Legacy Bank.
Visit Website Apply for a Debit Card
Follow the link below to apply for a debit card through Legacy Bank.
Download DocumentLegacy Bank Has Personal Checking Account Options That Work For You!
Visit a nearby branch location to open your personal checking account today.
View Locations