Personal Banking

Earn Money Just for Saving

With either of our savings account options, you can earn money just for saving! Choose one or both of the options below.

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Interest Earned on Balances
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No Account Fee Options & Free Withdrawal Options
Open Online Personal Banking

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.

Savings Account

Savings Account

  • $100 minimum opening deposit
  • $3 monthly maintenance fee
  • Avoid monthly maintenance fee with $25 minimum balance
  • Three (3) free withdrawals per month (Over three withdrawals – $2 excess debit fee assessed per withdrawal if minimum balance under $2,500)
  • Interest paid on balances of $25 and greater; interest rate is subject to change without notice
  • Interest is compounded daily and credited quarterly
Open Online
Savings Account Deposit Rates
Note: scroll left and right to view full table.
ProductMinimum Opening DepositMINIMUM DAILY BALANCE TO OBTAIN APR/APYInterest RateAPYOpen Acccount
Savings Account$100$25*0.50%0.50%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:

  • The interest rate and APY may change after account opening.
  • Fees may reduce earnings.
  • *Daily balance. The amount of the principle in the account each day.
Savings Account

Health Savings Account

  • $0 minimum opening deposit
  • $5 monthly maintenance fee after the first twelve statement cycles on the account
  • Avoid monthly maintenance fee with $1,000 minimum balance
  • No per transaction fee and 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
Health Savings Account Deposit Rates
Note: scroll left and right to view full table.
ProductMinimum Opening DepositDaily Balances of:MINIMUM DAILY BALANCE TO OBTAIN APR/APYInterest RateAPY
Health Savings Account$0$1,000 - $2,499.99$1000*0.50%0.50%
$2,500 and greater$2500*0.75%0.75%

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:

  • The interest rate and APY may change after account opening.
  • Fees may reduce earnings.
  • *Daily balance. The amount of the principle in the account each day.
  • Disclosure

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

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
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Legacy Bank Can Help You Earn Money Just for Saving!

Visit a nearby branch location to open your personal savings account today.

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