Personal Banking

Little Things That Make a Big Difference.

We have several additional products and services for your account to help you manage your finances and make the best decisions, including.

  • Gift and Travel Cards
  • Overdraft Coverage Program
  • Safe Deposit Boxes
  • eStatements
  • Auto-Transfer
  • Night Depository
  • Direct Deposit
  • Online Bill Pay
  • Online Banking

Gift and Travel Cards

Visa ® Gift Card

Looking for the perfect gift? The Visa Gift Card is a great solution.

  • $3.00 per card
  • No need to activate
  • Use anywhere Visa is accepted.
  • Up to 48 month expiration
  • Available from $10 to $500
  • For purchases only, including online and mail orders
  • Cash withdrawals are not allowed

Please visit one of our branches to purchase a Visa ® Gift Card

Visa ® TravelMoney Card

A convenient, flexible and secure card that is accepted at millions of Visa merchants and ATMs around the world. Great for travel expenses and student allowance.

  • $5.00 per card
  • Reloadable. $10-$2,500 per day; card balance not to exceed $10,000
  • Unlimited reloads; $5.00 each
  • Reload from a Legacy Bank account
  • PIN and signature protected
  • Up to 48 month expiration
  • Cash over the counter available from Visa member banks
  • Internet functionality
  • Zero Liability Protection
  • 90-day Consumer Purchase Protection
  • $1,000 Baggage Reimbursement Coverage
  • Worldwide Emergency Assistance Program

Please visit one of our branches to purchase a Visa ® TravelMoney Card.

Overdraft Coverage Program

We know the economy can put you in a tight spot every now and then. We’d like to help. Our Overdraft Coverage Program relieves you of bounced checks, and merchant returned check fees, so you can work on staying in the green.

  • Up to $300 Overdraft Coverage Program limit on checking accounts.

Coverage includes checks, electronic items, point-of-sale transactions and ATM withdrawals up to your Overdraft Coverage Program limit. There are no additional fees associated with the utilization of the Overdraft Coverage Program. You will continue to be charged a $30 fee per item presented when no funds are available in your account. The Overdraft Coverage Program will protect you from merchant returned check fees.

You can use your entire account limit. Once you have exhausted that reserve all items presented may be returned. Note that Legacy Bank returned check fees will count against your available Overdraft Coverage Program reserve. Once you have utilized part or all of your limit, you will be required to bring your account back to a positive balance, (make a deposit), within a 30-day time period in order to retain eligibility.

Not all accounts are eligible for the Overdraft Coverage Program and some restrictions may apply. Legacy Bank is not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. The bank may refuse to pay an overdraft for you at any time. For example, Legacy Bank typically does not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

Please visit one of our branches to sign up for our Overdraft Coverage Program.


Want to receive your statement via e-mail instead of snail mail? It’s really simple, and you’ll save paper in the process. Learn more about it here.


Transfer money from your savings account to your checking account, or the other way around. It’s quick, easy, accessible and convenient.

Night Depository

Just because it’s after hours doesn’t mean you can’t make your deposit. We have Night Depository services at all Legacy Bank locations. See our locations to find out more.

Direct Deposit

You don’t have to make the trip to one of our locations to get your money in your account- you can sign up for a direct deposit. Call us for more information!

Online Bill Pay

Make managing your finances easy with our Online Bill Pay feature! Track and pay your bills right from your computer- save time, money and energy!

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