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Ultimate Checking

Free Checking that pays you 1.50% APY** (In Cash)!

Ultimate Checking is a free checking account that puts 1.50% APY** right in your pocket. After all, it's your cash so you should benefit the most from it. No gimmicks, just you getting the most for your money.

Ultimate Checking

Don't let the Ultimate Checking Account pass you by -- start earning this amazing rate of interest today and get nationwide ATM refunds, with no monthly fees and no minimum balance. Sign up for Ultimate Checking and you won't look at checking accounts the same way again.

  • The 1.50% APY** rate is paid on amounts up to $10,000 when qualifications are met
  • 0.10% APY** for amounts over $10,000 when qualifications are met
  • If monthly qualification cycle requirements are not met, you still earn 0.01% APY**
  • ATM refunds nationwide***
  • No minimum balance required to earn rewards
  • No monthly service fees
  • Free Legend Bank Online and Mobile Banking
  • Online Bill Pay Service Available*
  • Free Visa Debit Card
  • Unlimited Transactions
  • Direct Deposit available
  • Unlimited check writing
  • Free Monthly Electronic Statements
  • FDIC Insured

* Online Bill Pay service is free when 4 or more payments are made per month. A $5 fee will be assessed each month Bill Pay users pay less than 4 payments per month.

Receive these amazing rates when you meet these simple qualifications each cycle:

  • Have at least 12 debit card purchases post and clear per monthly qualification cycle
  • Have one Automatic Payment or Direct Deposit post and clear per monthly qualification cycle
  • Receive your monthly statement electronically (required)

Please note: If you do not meet these qualifications during the monthly qualification cycle, you will not receive ATM fee reimbursements for that time period, but you will earn 0.01% Annual Percentage Yield on your balance. Since it is essentially a free checking account with rewards, no service charge will be assessed if you miss the qualifications. With Ultimate Checking you can bank anywhere in the country without fear of ATM fees. Open an Ultimate Checking account today.

**Annual Percentage Yield (APY) accurate as of 11/22/2012. Minimum to open account is $100. Rate tiers are as follows: 1.50% APY applies to balances of $0.00 to $10,000 and 0.10% APY applies to balances over $10,001 if qualifications are met each qualification cycle. 0.01% APY applies to all balances if qualifications are not met. All balances will earn 1.50% APY to 0.10% APY as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. ATM-processed transactions do not count towards qualifying debit card transactions. Qualifying transactions must post and clear during the qualification cycle. Qualification cycle is a period that ends on the third Wednesday of each month, the beginning of a new cycle begins on the day immediately following the end of the previous cycle. Check card purchase means any PIN or signature based transaction performed at any location other than an ATM. Purchases may take more than three business days to post and clear from the transaction date. Available to personal accounts only. Limit one account per social security number.

***ATM fee refunds only if qualifications are met within qualification cycle.