Rates & Fees
For current deposit rates in the Wichita area, please call (316) 260-3711. For current rates in the Pratt area, please call (620) 672-6421.
Fees
Deposit Account Schedule of Fees and Charges
Effective January 14, 2026
| Schedule | Fees & Charges |
|---|---|
| Account closing within 6 months of opening | $25.00 per account |
| ATM transactions at Non-Legacy Bank locations | $2.00 per transaction |
| Bags - Legacy Bank Zipper Bag | $5.00 per bag |
| Duplicate Statements (mailed to multiple addresses) | $5.00 each per month |
| Cashier’s Checks (excluding Legacy 60 Customers) | $5.00 per check |
| Coin Counting - Customers (for 30 days or mo) | Free |
| Coin Counting - Non Customers | 10% fee of coin counted |
| Coin & Currency Orders - Consumer Accounts | Free |
| Coin & Currency Orders - Cash Intensive Commercial Accounts | $300.00 per month |
| Collections (Incoming & Outgoing) | $25.00 per item |
| Debit Card Replacement | $10.00 per card |
| Dormant Account (no contact or activity for 12mo. or more) | $5.00 per month if balance falls below $25.00 |
| Foreign Items Deposited | $5.00 per item |
| Foreign Currency Orders - Customers | $20.00 per order |
| Garnishments | $25.00 per order |
| Return Item Charge** | $30.00 per item |
| Night Depository Locked Bag or Courier Locked Bag | $30.00 per bag |
| Night Depository - Keys | $20.00 per key; first two at no charge |
| Night Depository - Key Replacement | $20.00 per key |
| Notary Service - Customers | Free |
| Notary Service - Non Customer | $10.00 per item |
| Medallion Stamp Transaction - Customers (for 12mo. or more) | $25.00 each transaction |
| Overdraft Charge** | $30.00 per item |
| Continuous Overdraft Charge - Commercial Accounts only | $10.00 per business day beginning on the 5th consecutive business day that your account is overdrawn $1,000.00 |
| Photocopy (black & white) | $0.25 per copy |
| Quick Print History | $1.00 per request |
| Research Charge / 1 hr Minimum | $25.00 per hour |
| Returned Deposited Item | $5.00 per item |
| Safe Deposit Box Drilling | $250.00 per box |
| Safe Deposit Box Lost Key Charge | $20.00 per key |
| Safe Deposit Box Late Fee | $5.00 after 30 days delinquent |
| Special Account Handling | $20.00 per month |
| Special Cutoff Statement | $15.00 per statement |
| Stop Payments & Renewals | $30.00 per item |
| Tax Levy | $25.00 per order |
| Temporary Checks | $2.00 per printed sheet (4 checks) |
| Transfer Services (Automated) | |
| - Periodic/Recurring Transfer | Free |
| - Transfer Charge - Insufficient Funds Transfer | $3.00 per transfer |
| - Transfer Charge - Maintenance Transfer | $3.00 per transfer |
| Wire Transfer - Incoming | $15.00 per request |
| Wire Transfer - Domestic - Outgoing | $20.00 per request |
| Wire Transfer - International - Outgoing | $50.00 per request |
* Applies to commercial customers under account analysis
** Return Item Charge and Overdraft Charge includes all items created by
check, in-person withdrawal, ATM withdrawal or other electronic means. Charges apply to all checking and savings accounts. $150.00 daily Overdraft Charge Cap (excludes Returned Item charges) per account; applies to Consumer Accounts only. Continuous overdraft charge applies to commercial accounts only.
Safe Deposit Box Fees
Annual pricing below is for new Safe Deposit Boxes.
| Size | Fee |
|---|---|
| 3 x 5 | $18 |
| 4 x 5 | $20 |
| 5 x 5 | $25 |
| 3 x 10 | $30 |
| 4 x 10 | $35 |
| 5 x 10 | $40 |
| 5 x 10 | $50 |
| 10 x 10 | $60 |
| Replace Lost Key | $20 |
| Lock Replacement / Drilling | $150 |