Member FDIC
Equal Housing Lender

  
Checking Services  

We offer a wide variety of checking plans to meet everyone's needs.  Not sure which one is for you? Contact us to learn more.

Legend Club - Our premier account designed for customers that demand more from their checking account.  Free bank stock checks, overdraft protection, unlimited check writing, personal accident insurance, savings club memberships, and hundreds of discounts are only a few of the benefits you will receive with this special account for only one low monthly cost.  If you are aged 60 or better, you will enjoy all the benefits of the Legend Club at a special discounted price!  Click here to learn more

Interest-Bearing Checking - An interest-bearing account available to all consumers that pays a competitive rate of  interest, but requires higher balance levels than Legend Checking. This account has unlimited checkwriting with overdraft privilege available. ATM/Debit card is free. Online banking is free with bill payment option and Legend Club Account benefits and services are available for a low monthly fee. Customers receive an itemized statement with check safekeeping and free check imaging option available. 

Ultimate Checking – Finally, a Free Checking account that pays interest and eliminates all ATM fees!  Get refunds on all other banks' ATM fees and earn from 0.51% APY* up to 5.13% APY on your free checking balance.  No matter if your balance is $2 or $20,000!

Home Free Checking – A FREE non-interest-bearing account available to all consumer account holders. This account has unlimited checkwriting with overdraft privilege available.Online banking is free with bill payment option.  Also available are ATM/Debit card and BanClub options. Customers receive an itemized statement with check safekeeping. 

Checking 60 – An account designed just for customers who are age 60+. This account has unlimited checkwriting with overdraft privilege available. ATM/Debit card is available. Online banking is free with bill payment option. Customers receive an itemized statement with check imaging option available at no charge. Customers also receive personalized bank-stock checks at no charge, upon request.

Money Fund Account – An interest-bearing account for consumers with higher balances which pays a higher rate than offered in Legend Savings.  There is convenient access to funds with limited outside transactions and check writing. Check safekeeping with free check imaging option is available.   

Cash Management Account – The Money Management Account combines liquidity with the earning power of premium rates based on the account balance. The higher the balance, the higher the interest rate.  Account access is limited.   

 

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LEGEND CLUB ACCOUNT  

Features

• Personalized wallet-style, bank-stock checks at no charge.  Duplicate bank-stock checks available at $6/order
• $300 overdraft privilege*
• Unlimited transactions
• Free ATM / Debit Card**
• Monthly Itemized statement
• Credit card registration upon request
• Key-ring registration upon request
• Living Family software, interactive benefits feature
• $10,000 Accidental Death and Disability Insurance
• Prescription, eye-wear, car rental and lodging discounts along with rebate rewards.

Pricing

• $100 minimum deposit to open
• A $25.00 processing fee will be charged to your account for each insufficient check paid / returned
• Basic Plan monthly maintenance fee: $8
• Basic Plan: reduced monthly charges for customers age 60 or above: $4
• Other optional services subject to standard fees

* subject to credit approval    ** Non-Legend Bank ATM's may access a transaction fee

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INTEREST-BEARING CHECKING  
Checking account for those who want full-service checking with interest. 

Features

• $300 overdraft privilege*
• Unlimited transactions
• Low minimum balance requirement
• Automatic savings plan
• Free ATM/Debit Card**
• Legend Club services and benefits available for a monthly fee of $8.  Age 60+ pay $4/month.
• Monthly Itemized statement  
• 1^st Response – 24-hour automated information line
• Free Legend Online Banking with bill payment option***

Pricing

• $100 minimum deposit to open
• A $25.00 processing fee will be charged to your account for each insufficient check paid / returned
• No charge for checkwriting
• No monthly maintenance fee when you maintain a $1,500 minimum daily balance or $3,000 average daily balance
• Monthly maintenance fee if minimum balance not met:  $10.00 (fee does not apply if member of Legend Club Account)
• Other optional services subject to standard fees

Interest Tiers:
0 - 25,000
$25,000 - $50,000
$50,000 and More

* subject to credit approval    ** Non-Legend Bank ATM's may access a transaction fee  *** Bill Payment Option currently available at no charge

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ULTIMATE CHECKING
Finally, a Free Checking account that pays interest and eliminates all ATM fees!  Get refunds on all other banks' ATM fees and earn from 0.51% APY* up to 5.13% APY on your free checking balance.  No matter if your balance is $2 or $20,000!* 

With Ultimate Checking, you'll automatically earn 0.51% APY on your balance, but if you do a few simple things each month, you can earn a much greater bonus rate of 5.13% APY on your balance up to $25,000 and 1.02% APY on the amount of your balance over $25,000.  Plus, if you meet the monthly requirements, you'll also receive automatic refunds of the ATM fees other banks charge.

With Ultimate Checking, you will not need to maintain a minimum balance and you will not be charged any monthly service fees.  And since Ultimate Checking is a free checking account, you'll also get free internet banking and free online bill pay.  

Features

• ATM Fees Refunds*
• 5.13% APY on your balance
• No minimum balance required
• Free internet banking 
• Free Visa Debit Card
• Unlimited Transactions

* No minimum balance required, however you must deposit a minimum of $100.00 to open this account.  Available to Personal Accounts only.  Unlimited check writing.  No monthly service charged when using another bank's ATM machine.  ATM fee refunds are automatic and receipts are NOT required to receive refunds.  If the requirements are met during the statement cycle, 5.13% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 1.02% APY paid on balances over $25,000.  If you do not meet the requirements during the statement cycle, you will receive 0.51% APY on your balance.  Rates as of May 1, 2007 and are subject to change at any time.

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HOME FREE CHECKING

A non-interest-bearing checking account that offers unlimited checkwriting with overdraft privilege available.  

Features

• $300 overdraft privilege*
• Unlimited transactions
• Automatic savings plan
• ATM / Debit Card is Free**
• Free ATM
• Monthly Itemized statement
• 1st Response – 24-hour automated information line
• Free Legend Online Banking with bill payment option***
• Check images are not available on this account

Pricing

• $100 minimum deposit to open

• A $25.00 processing fee will be charged to your account for each insufficient check paid / returned

• Other optional services subject to standard fees  

* subject to credit approval    ** Non-Legend Bank ATM's may access a transaction fee  *** Bill Payment Option currently available at no charge

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CHECKING 60
A basic consumer checking account for customers age 60 and above.

Features

• $300 overdraft privilege* 
• Unlimited transactions 
• No monthly maintenance fee  
• Automatic savings plan 
• ATM / Debit Card is Free**
• Free ATM
• Personalized bank-stock checks available at no charge 
• 1st Response – 24-hour automated information line 
• Free Legend Online Banking with bill payment option***

Pricing  

• $100 minimum deposit to open

• A $25.00 processing fee will be charged to your account for each insufficient check paid / returned

• Other optional services subject to standard fees

* subject to credit approval    ** Non-Legend Bank ATM's may access a transaction fee   *** Bill Payment Option currently available at no charge

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MONEY FUND ACCOUNT   
Legend Bank’s traditional money market account offers great rates and convenient access to funds at any time.

Features

• Interest-bearing, competitive rates are compounded and paid monthly 

• Three Tiers Reward Higher Balance
  $0 - $25,000
  $25,000 - $50,000
  $50,000 and More 

• Unlimited deposits

• Six (6) withdrawals or pre-authorized transfers per statement cycle at no charge (only three may be third-party check)

• Unlimited in-house transactions

• Monthly Itemized statement

• 1st Response – 24-hour automated information line 

• Legend Online Banking

Pricing

• $2,500 minimum deposit to open  

• Maintain a minimum balance of $2.500 or more to avoid a monthly maintenance fee of$10.00

• Additional transactions over six (6) (including ACH items and pre-authorized transfers) are $10.00 per item

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CASH MANAGEMENT ACCOUNT 
The Legend Money Management Account combines the liquidity of a checking account with the earning power of premium rates, based on balances. The higher the balance in the account, the higher the interest rate.

Features  

• Unlimited deposits  

• Competitive interest rates compounded and paid monthly 

• Three interest Tiers Reward Higher Balances:
  $0 - $10,000
  $10,000 - $25,000
  $25,000  - $50,000
  $50,000 - $500,000
  $500,000 and More  

• Up to six (6) in-house, withdrawals per monthly statement cycle at no charge

• Monthly Itemized statement 

• 1st Response – 24-hour automated information line  

• Legend Online Banking

Pricing

• $10,000 minimum deposit to open 

• Maintain the minimum balance of $10,000 or more to avoid the monthly maintenance fee of $10.00

• $10.00 maintenance fee will be assessed if transaction limits are exceeded

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Federal regulations state that we must reserve the right to at any time require that you give seven (7) days prior written notice of any withdrawals on interest bearing accounts.