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 E Checking
- Electronic statement required
- Must enroll in eStatements within 60 days or account will be converted to Interest Checking
- $100 minimum opening deposit
- No monthly maintenance fee
- No minimum balance requirement
- Unlimited check writing
Interest Checking
- $500 minimum opening deposit
- $10 monthly maintenance fee
- Avoid monthly maintenance fee:
- $500 minimum balance or
- Primary account owner is age 60+**
- Unlimited check writing
- Interest paid on balances $1,000 and greater; interest rate is subject to change without notice
- Interest is compounded and credited monthly
Interest Checking Account Deposit Rates
Note: scroll left and right to view full table.| Product | Minimum Opening Deposit | MINIMUM DAILY BALANCE TO OBTAIN APR/APY | Interest Rate | APY | Open Account |
|---|---|---|---|---|---|
| Interest Checking | $500 | $1000* | 0.25% | 0.25% | Open Online |
The interest rates (APR) and annual percentage yields (APY) stated on this website are accurate as of today. The interest rates and annual percentage yields for the accounts depend upon the applicable rate tier. The interest rates and annual percentage yields for these tiers may change at any time without advance notice. For the most current rate and yield information please call us at (316) 260-3711 or refer to the Truth in Savings Account Disclosure (TISA) provided to you at the time of account opening.
Please note:
- Fees may reduce earnings.
- *Daily balance. The amount of the principle in the account each day.
- **The primary account owner is the first listed owner on the most recent account signature card or the most recent account statement.
Money Market Account
- $2,500 minimum opening deposit
- $10 monthly maintenance fee
- Avoid monthly maintenance fee with $2,500 minimum balance
- Six (6) free withdrawals per month (Over six withdrawals – $10 excess debit fee assessed per withdrawal)
- Interest paid on balances of $2,500 and greater; interest rate is subject to change without notice
- Interest is 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: | MINIMUM DAILY BALANCE TO OBTAIN APR/APY | Interest Rate | APY | Open Account |
|---|---|---|---|---|---|---|
| Money Market | $2,500 | $2,500 - $99,999.99 | $2500* | 0.60% | 0.60% | Open Online |
| $100,000 - $199,999.99 | 1.00% | 1.00% | Open Online | |||
| $200,000 - $999,999.99 | 1.24% | 1.25% | Open Online | |||
| $1,000,000 and greater | 3.44% | 3.50% | Open Online |
The interest rates (APR) and annual percentage yields (APY) stated on this website are accurate as of today. The interest rates and annual percentage yields for the accounts depend upon the applicable rate tier. The interest rates and annual percentage yields for these tiers may change at any time without advance notice. For the most current rate and yield information please call us at (316) 260-3711 or refer to the Truth in Savings Account Disclosure (TISA) provided to you at the time of account opening.
Please note:
- Fees may reduce earnings.
- *Daily balance. The amount of the principle in the account each day.
Free Services to all accounts: Instant Issue Debit Cards at account opening, Card Valet (Debit Card management app), 55,000 surcharge FREE ATMs, Online Banking, Mobile Banking, Bill Pay and Mobile Check Deposit
Additional Free 60+ Benefits: “Legacy 60” Wallet Checks available for all checking accounts and Cashier Checks for all accounts
All accounts are subject to charges listed on our fee schedule
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.
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