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.
From Susan Ackeridge, Legacy Bank CustomerGetting started was quick, easy and efficient. I even left with a debit card in hand.
Choose the Checking Account for Your Lifestyle— And Get Rewarded!
Free Checking
- $100 minimum opening deposit
- No minimum balance requirements
- No monthly maintenance fee
- No per transaction fee
- Unlimited check writing
- Refer to Fee Schedule for additional fees that may be assessed
- Check printing fees vary by the style of check ordered
- Use your Legacy Bank debit card or show your free Local Legacy reward card to receive discounts at over 100 local businesses!
Shop local. Get rewarded.
Open ANY personal checking account to get Local Legacy discounts at 100+ local businesses.
Get RewardsInterest 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
- Use your Legacy Bank debit card or show your free Local Legacy reward card to receive discounts at over 100 local businesses!
Legacy 55 NOW Checking
- $100 minimum opening deposit
- No monthly maintenance fee
- Earn interest with a daily balance of $500 or higher
- Interest rate subject to change – interest is compounded and credited monthly
- Free checks (select style only)
- Use your Legacy Bank debit card or show your free Local Legacy reward card to receive discounts at over 100 local businesses!
Interest Checking Account Deposit Rates
Note: scroll left and right to view full table.| Product | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| Interest NOW Checking | $1,000 | 0.15% | 0.15% |
| Legacy 55 NOW Checking | $100 | 0.15% | 0.15% |
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.
- A daily balance of $500 must be maintained to obtain the stated APY for Legacy 55 account.
- Interest NOW Checking Disclosure
- Legacy 55 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
- Use your Legacy Bank debit card or show your free Local Legacy reward card to receive discounts at over 100 local businesses!
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 |
|---|---|---|---|---|
| Money Market | $2,500 | Up to $99,999.99 | 0.45% | 0.45% |
| $100,000—199,999.99 | 0.80% | 0.80% | ||
| $200,000 —999,999.99 | 1.04% | 1.05% | ||
| $1,000,000 and up | 1.24% | 1.25% |
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.Customer Resources
Apply for a Debit Card
Follow the link below to apply for a debit card through Legacy Bank.
Download Document
Apply for a Credit Card
Follow the link below to apply for a credit card through Legacy Bank.
Visit Website Access Your Credit Card Statement
Follow the link below to register and access your credit card statement.
Visit Website Personal Check Re-Order
Follow the link below to re-order checks for your personal accounts
Visit Website Switch Kit
Switching to Legacy Bank? Download the document through the link below to make the switch!
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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