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Personal Checking Account Products

“At Legacy Bank I found an account I loved. With so many choices I felt they had created it just for me.”

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At Legacy Bank we exist because we believe great ideas and services change communities. Because we live and work in the cities we serve, our employees are a breath of fresh air from big box banking. A friendly smile and know you by name culture are just part of the positive differences that set us apart in the banking industry.

Bank with Legacy Bank and you will know that your dollars are reinvesting in your community. With over $300,000 this year alone being reinvested in local projects, community improvements, and social growth, you can  be sure your financial partner is here to serve you!

Select a Checking Account

  1. Free
  2. NOW
  3. Advantage
  4. Money Market

Free Checking

Legacy Bank offers free checking.  Our premium account offers no hidden fees, no minimum balance, no monthly service charge, and is loaded with great checking management tools.

Minimum Balance to open: $50

  • No Monthly Service Charge
  • Non-Interest Bearing
  • Legacy Debit Card or Choice Card with MobiMoney and Ampre Rewards
  • Online/Mobile Banking
  • Text and Email Alerts
  • Unlimited Check Writing
  • Checks Safekept 

NOW Checking

Now Checking is Legacy Bank's entry level interest bearing account. This account is perfect for those wanting to earn interest while having complete access to their funds.

Minimum Balance to open: $100

$5 Monthly Service Charge (waived with $1,000 minimum daily balance)

  • Interest Bearing*
  • Legacy Bank Debit Card or Choice Card with MobiMoney and Ampre Rewards
  • Online/Mobile Banking
  • Text and Email Alerts
  • Unlimited Check Writing 
See Rates

Advantage Checking

Advantage Checking is Legacy Bank's signature account.  Built on higher return rates through a tiered system, this account is designed for a sophisticated user that wants to gain higher interest rate based on account balances.

Minimum Balance to open: $1,000

  • No Monthly Service Charge
  • Interest Bearing*
  • Legacy Bank Debit Card or Choice Card with MobiMoney and Ampre Rewards
  • Online/Mobile Banking
  • Text and Email Alerts
  • Unlimited Check Writing 
See Rates

Money Market

Considered the best of all worlds, the Money Market account gives you easily accessible funds that earn more interest than the standard checking account.

Minimum Balance to open: $100

$15 Monthly Service Charge (waived with $3,000 minimum daily balance)

  • Interest Bearing*
  • Online/Mobile Banking
  • Text and Email Alerts
  • 6 preauthorized withdrawals per statement cycle (telephone transfer, checks, debit cards, or similar transaction)
See Rates

 

Personalize Your Checking

When you choose Legacy Bank checking you can opt to personalize your account with a combination of the following options.

  1. Cell Insurance
  2. Roadside Assist.
  3. CyberScout ID Theft
  4. Accidental Death
  5. Choice Debit Card

Cell Phone Insurance

Smartphones are expensive to repair, and the costs add up quickly. Cover you cell phone from breakage or theft with Choice Protection

  • $250 Maximum Coverage per Claim - $500 Maximum Annual Limit
  • Coverage Shared on Joint Accounts
  • Must pay Cell phone bill with a Legacy Bank Checking Account

Roadside Assistance

Roadside assistance services provide real peace of mind 24 hours a day, 365 days a year.

  • 24 Hour Lockout Service
  • 24 Hour Emergency Tire Service
  • 24 Hour Road Service and Emergency Towing

CyberScout ID Theft

  • Helps protect against identity theft during key life stages or events.
  • Provides extensive identity theft resolution support from an assigned personal advocate
  • Automatically included in Choice Protection no enrollment required

Accidental Death and Dismemberment

  • Accidental death and dismemberment insurance, also known as AD&D insurance, is supplementary coverage that offers extra protection for you and your family. Greatly ease your financial burden in the event of a death or dismemberment resulting from and
  • Provide payment of benefits in the event of death or loss of one or more bodily parts as the result of an accident.

Choice Debit Card

  • Card On/Off Switch - Remotely activate or deactivate your Legacy Bank Choice Card with a single touch. Flip the card switch to off and in real-time all transactions will be declined even on Internet purchases. Status can instantly be turned back on with MobiMoney App.
  • Location Sensitivity - Limit transactions to an area or region, including international transactions for higher security.
  • Mobile Alerts - Get an instant notification when a transaction is processed or an unauthorized attempt is made with your debit card.

 

LEARN MORE TODAY

Call Today: 719-829-4811

Sometimes nothing beats a one-on-one conversation about your personal needs. Contact us now and we are happy to visit personally about your individual needs.

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*Ask about our current interest rates