Legacy Bank offers a choice of checking accounts. Read through our selection of accounts and decide which fits you best. We have no fees checking and checking accounts with accidental life insurance attached.

Features:

Some or all of our personal checking accounts include the following features:

Monthly Statements

Checking account statements are mailed monthly with images of your checks and deposits. Each statement gives a detailed report of your monthly activity. If you choose, we can also combine your savings account statement on your monthly checking account statement.

eStatements

An e-Statement is an electronic version of your paper statement with check images. E-Statements reduce the risk of identity theft and are offered at no additional charge. Customers must be enrolled in internet banking or business banking. E-Statements will be available for checking and savings statements. We want to make your life a little easier. That’s why we offer a variety of innovative banking services.

Regular Checking

This account will help you take care of a household, paying bills and depositing paydays. You may add accidental death insurance coverage on this account.

• Debit Card
• $3 monthly service fee
• Maintain a Passbook Savings Account with a balance of $2,500 to avoid the monthly service fee
• A monthly service fee of $3 waived if you are a senior citizen and tell us, or if you are a nonprofit organization
• An activity fee of $0.10 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 20 during a statement cycle. (This fee waived for senior citizens and nonprofit organizations.)
• Obtain Accidental Death Insurance with an In-Club fee, your account will be charged as listed should you want such coverage:
  • Basic: Coverage: $10,000 | In-Club Fee: $4
  • Personal: Coverage: $20,000 | In-Club Fee: $5
  • Family: Coverage: $30,000 | In-Club Fee: $6

Hometown Personal Checking

• Must be individually owned account (joint or single)
• No minimum balance
• Debit Card access
• No activity fee
• No maintenance fee

NOW Account (Negotiable Order of Withdrawal)

Earn interest on individual checking account by maintaining an average daily balance of $500. (This account is not available to partnerships or corporations.) You may write unlimited checks a month, with an activity fee imposed as stated below.

• Debit Card
• $500 minimum deposit to open account
• Interest is earned on the average daily balance and is compounded and credited to your account monthly if you maintain a minimum average daily balance of $500
• Monthly statements with images of checks and deposits
• Current deposit rates for NOW accounts
• A maintenance fee of $3 will be imposed every statement cycle if the balance in the account falls below $500 any day of the cycle. This fee is not imposed to senior citizens or nonprofit organizations.
• An activity fee of $0.10 will be charged for each debit transaction in excess of 20 during a statement cycle. This fee does not apply to senior citizens or nonprofit organizations.
• Obtain Accidental Death Insurance with an In-Club fee, your account will be charged as listed, should you want such coverage:
  • Basic: Coverage: $10,000 | In-Club Fee: $4
  • Personal: Coverage: $20,000 | In-Club Fee: $5
  • Family: Coverage: $30,000 | In-Club Fee: $6

Personal Money Market

This account is for customers with little check writing needed (3 per statement cycle) and for those that need a place to earn interest on larger balances. A two-tiered balance interest-earning account, $2,500 – $4,999 and over $5,000.

• Debit Card access
• Monthly statements with images of checks and deposits
• $2,500 minimum deposit to open the account
• $2,500 minimum monthly cycle balance to avoid a $5 maintenance fee
• Interest is earned on the average daily balance and is compounded and credited to your account every month as long as your average daily balance is $2,500 or more

Transaction limitations: Transfers from a Personal Money Market Deposit account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six per statement cycle. An activity fee of $1.00 will be charged for each debit transaction (check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle.

Dormant Accounts

A $10 fee is assessed to dormant accounts with a balance under $50, the fee is assessed on a semi-annual basis. The dormant fee applies to checking/demand deposit accounts and passbook and/or statement savings.

An account becomes dormant if for twelve months you have made no deposit to the account.

Withdrawals on Interest Bearing Accounts

Legacy Bank may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your Notice of Penalty for early withdrawal.

Overdraft Advantage

Ask us about “Overdraft Advantage”, a service offered to personal checking account holders. With proper approval you can take advantage of this valuable service. If you are in good standing with your account history and have limited overdrafts, you may be eligible to have a $300 overdraft limit. You can protect your reputation should you write an over-drafted check, the payee will not know that you had insufficient funds, if approved, the item will be paid. Overdraft Advantage costs nothing unless you use it. The Bank will charge a standard fee of $35 per item paid (this will be deducted from your overdraft limit). It is the discretion of the Bank on items paid. Should you stay over-drafted and do not make deposits, the Bank may not pay additional insufficient items.

Stop by any of our locations to ask us about “Overdraft Advantage” and pick up a form to get started!