Checking Accounts

Checking Options Comparison Chart

Most Popular
Debit Card
Online Banking
Bill Pay
Refund all ATM Fees  
Fraud Monitoring
No Minimum Balance Requirement
Unlimited Check Writing
Earns Interest
Two Boxes Free Checks per year  
Paper Statements Available  
Monthly Service Fee None

more info

more info

Legacy Reward

Put your money to work! If you are looking for a totally FREE account that provides high interest returns on your money combined with refunded ATM fees nationwide, Legacy Bank and Trust’s Legacy Reward Checking Account is the option for you.  

  • Earn 4.0% APY* on balances up to $10,000! Plus, earn .05% APY on balances over $10,000
  • ATM fees will be refunded monthly.  Any ATM, anywhere nationwide. 
  • No monthly service fee or minimum balance to maintain
  • Free e-statements
  • Free debit card
  • Free online and mobile banking capabilities as well as free online bill-pay
  • Free fraud monitoring

Qualifying is simple:

  • $25 opening balance
  • Have at least one automatic payment or direct deposit post and clear each statement cycle
  • Requires online banking and e-statements
  • Minimum of 16 debit card transactions per monthly statement cycle

* Annual Percentage Yield. Earn .05% APY on entire balance if monthly transaction requirements not met. APY is accurate as of 02/23/2018. Rates subject to change after account opening. Fees could reduce earnings on account.

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Legacy Prosper Checking (Age 50+)

Finally a totally FREE checking account with all the perks!  Legacy Prosper Checking gives you all the bells and whistles of a typical checking account, but we also throw in FREE CHECKS!  This account is exclusively for our customers over the age of 50.  Enjoy, you’ve earned it. 

  • Earns interest
  • No monthly service fee
  • Free checks – Up to two boxes per year
  • Free debit card
  • Free paper or e-statements
  • Free online and mobile banking capabilities as well as free online bill-pay
  • Free fraud monitoring
  • $25 opening balance

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Legacy Rebuild Checking

At Legacy Bank and Trust we believe everyone deserves the opportunity to have a checking account.  Legacy Rebuild Checking is available for those who are not eligible for our other checking accounts due to past credit or account issues.  Please call or stop by your nearest Legacy Bank and Trust location and speak to one of our friendly associates for details on this account. 

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Debit Alerts Program

Help keep your account secure! Receive a text message or email when your debit card is used for:

  • Purchases over a selected amount
  • International purchases
  • Online purchases
  • Declined purchases

Click here to take advantage of our Debit Alerts Program!

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