Personal Banking

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
From Susan Ackeridge, Legacy Bank Customer Getting started was quick, easy and efficient. I even left with a debit card in hand.
Personal Personal Banking

Choose the Checking Account for Your Lifestyle— And Get Rewarded!

Relationship Checking Account

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

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!

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Interest Earning Checking Accounts

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.
ProductMinimum Opening DepositInterest RateAPY
Interest NOW Checking$1,0000.05%0.05%

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:

Money Market Checking Accounts

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.
ProductMinimum Opening DepositDaily Balances of:Interest RateAPY
Money Market$2,500Up to $99,999.990.15%0.15%
$100,000—199,999.990.17%0.17%
$200,000 —999,999.990.20%0.20%
$1,000,000 and up0.25%0.25%

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.
Personal Banking

Customer Resources

discount Switch Kit

Switching to Legacy Bank? Download the document through the link below to make the switch!

Download Document

discount Personal Check Re-Order

Follow the link below to re-order checks for your personal accounts

Visit Website

discount Access Your Credit Card Statement

Follow the link below to register and access your credit card statement.

Visit Website

discount Apply for a Credit Card

Follow the link below to apply for a credit card through Legacy Bank.

Visit Website

discount Apply for a Debit Card

Follow the link below to apply for a debit card through Legacy Bank.

Download Document

Legacy 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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