This Web site is the official site of Legacy Bank. Questions and comments regarding site contents may be directed to:
Legacy Bank
PO Box 21688
Oklahoma City, OK 73156-1688
We can be reached via email at info@legacybank.com. For your own security, please do not list specific account information.
Privacy Notice (PDF)
Privacy Notice (HTML)
Personal Account Service Charge Schedule
Business Account Service Charge Schedule
Deposit Agreement
Funds Availability Disclosure
Consumer Consent Form for Overdraft Services Disclosure
Reconciliation Form
This site collects IP addresses and/or domain names any time a page is requested from the server. This information is used to analyze site traffic. The URL of a referring Web page also may be logged for the same purpose.
If you send us email, your return address will be displayed in the header we receive. We will use this information to respond to your inquiry and we may keep your message as a record of our contacts. We will not share that information with outside companies or agencies unless it is necessary for us to do so in order to respond to your email or to carry out a request contained therein, or unless we are required to do so by law or court order.
Legacy Bank reserves the right to introduce new services or practices that may require a change in this policy. We are committed to updating our privacy policy promptly to keep you informed on how we use information you give us.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Under the Federal Community Reinvestment Act (“CRA”), the Federal Deposit Insurance Corporation (“FDIC”) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.
Your involvement is encouraged.
You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA performance evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.
At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination by the FDIC in that quarter. This list is available from the Regional Director, Division of Supervision and Consumer Protection, FDIC, 1601 Bryan St., Dallas, Texas 75201. You may send written comments about our performance in helping to meet community credit needs to Ms. Carrie Sides, c/o Legacy Bank, P.O. Box 1038, Hinton, Oklahoma 73047 and the FDIC Regional Director, 1601 Bryan St., Dallas, Tx 75201. You may also submit comments electronically through the FDIC’s Web site at www.fdic.gov/regulations/cra. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.
You may ask to look at any comments received by the FDIC Regional Director. You may also request from the FDIC Regional Director an announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of Midstate Bancorp, a bank holding company. You may request from the Assistant Vice President – Applications, Federal Reserve Bank of Kansas City, 1 Memorial Drive, Kansas City, MO 64198-0001, an announcement of applications covered by the CRA filed by bank holding companies.
Under the Federal Community Reinvestment Act (“CRA”), the Federal Deposit Insurance Corporation (“FDIC”) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.
Your involvement is encouraged.
You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA performance evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.
At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination by the FDIC in that quarter. This list is available from the Regional Director, Division of Supervision and Consumer Protection, FDIC, 1601 Bryan St., Dallas, Texas 75201. You may send written comments about our performance in helping to meet community credit needs to Ms. Carrie Sides, c/o Legacy Bank, P.O. Box 1038, Hinton, Oklahoma 73047 and the FDIC Regional Director, 1601 Bryan St., Dallas, Tx 75201. You may also submit comments electronically through the FDIC’s Web site at www.fdic.gov/regulations/cra. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.
You may ask to look at any comments received by the FDIC Regional Director. You may also request from the FDIC Regional Director an announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of Midstate Bancorp, a bank holding company. You may request from the Assistant Vice President – Applications, Federal Reserve Bank of Kansas City, 1 Memorial Drive, Kansas City, MO 64198-0001, an announcement of applications covered by the CRA filed by bank holding companies.
For your security the following card blocks are in place. Should you need assistance or to place a travel notification, please contact us.
ATM & Point of Sale Currently Blocked by Fiserv, Inc.:
All OFAC-sanctioned countries
Ukraine
Russia
For your own security when e-mailing through this site, please do not list specific account information.
Legacy Bank is not responsible for any information provided on external websites.
Transparency in Coverage Final Rule Fact Sheet (CMS-9915-F) | CMS
E-statements will be available online through the customer's eBanking and mobile banking accounts. The customer has the responsibility to inform us of changes in their e-mail address.
A consecutive days overdraft fee will be assessed for negative ledger balances after a one-week grace period. This fee applies to overdrafts created by check, in-person withdrawal, or any other electronic means.
The interest rate and APY on this account may change at any time at the bank's discretion. Interest is calculated using the daily balance method which applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the collected balance which includes funds for which we have received credit - no later than the business day we receive credit for the deposit of your non-cash items (i.e. checks). Interest is paid, compounded, and credited monthly. If you choose to close your account, any interest accrued but not yet paid is forfeited.
The Annual Percentage Yield of 2.00% and corresponding interest rate of 1.98% are effective as of 4/22/2025. For current interest rates, Annual Percentage Yields, and other account information, visit our Rates page. No maintenance service charge will be charged on this account. See Personal Account Service Charge Schedule for a complete listing.
Monthly account statements will be available online through the customer's eBanking account or mobile banking app.
Customers are responsible for informing us of changes in their e-mail address and mobile number.
Customers who opt to receive paper statements will be charged a fee of $5.85 per month.
A consecutive days overdraft fee of $4.85 per day will be assessed for negative ledger balances after a one-week grace period. This fee applies to overdrafts created by check, in-person withdrawal, or any other electronic means.
See Personal Account Service Charge Schedule for a complete listing of fees.
There is no minimum deposit to open, however there is a $20.00 minimum to earn interest. Interest is earned on balances at several tiers.
You must maintain a minimum of $20 to earn interest. Interest is earned on daily collected balances.
There is a $3.35 per month maintenance service charge if the balance falls below $20.00.
Statements
All consumer checking accounts receive a monthly statement and all consumer savings accounts receive a quarterly statement.
Interest Calculation and Crediting
On all interest-bearing accounts, interest is calculated using the daily balance method which applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the collected balance - which includes funds for which we have received credit - no later than the business day we receive credit for the deposit of your non-cash items (for example, checks). Interest is paid, compounded, and credited monthly.
Closing the Account
If you close your interest bearing account, any interest accrued, but not yet paid, is forfeited.
Fees and Charges
See Personal Account Service Charge Schedule for a complete listing.
There is no minimum deposit to open. You must maintain a minimum balance of $250.00 to earn interest. Interest is earned on daily collected balances.
There is a $3.35 maintenance service charge if the balance falls below $250.00.
Statements
All consumer checking accounts receive a monthly statement and all consumer savings accounts receive a quarterly statement.
Interest Calculation and Crediting
On all interest-bearing accounts, interest is calculated using the daily balance method which applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the collected balance - which includes funds for which we have received credit - no later than the business day we receive credit for the deposit of your non-cash items (for example, checks). Interest is paid, compounded, and credited monthly.
Closing the Account
If you close your interest bearing account, any interest accrued, but not yet paid, is forfeited.
Fees and Charges
See Personal Account Service Charge Schedule for a complete listing.
Annual Percentage Yields (APY) and corresponding interest rates quoted here are accurate as of June 10, 2025. The interest rate and APY on this account may change at any time at the bank's discretion.
Statements
Bear Club Savings accounts receive a quarterly statement electronically. Statements will be available online through the customer's eBanking account. The customer has the responsibility to inform us of changes in e-mail address.
Interest Calculation and Crediting
Annual Percentage Yields (APY) and corresponding interest rates quoted here are accurate as of June 10, 2025. If the account requirements noted below are met, an APY of 2.76% with corresponding interest rate of 2.73% will be paid on balances from $0-$5,000. The portion of balances from $5,000.01-$10,000 will earn an APY of 1.74% with corresponding interest rate of 1.73%. The portion of the balance above $10,000 will earn an APY of 1.23% and interest rate of 1.23%. For example, the effective APY on $15,000 would be 1.91%. The interest rate and APY on this account may change at any time at the bank's discretion. Interest is calculated using the daily balance method which applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the collected balance which includes funds for which we have received credit - no later than the business day we receive credit for the deposit of your non-cash items (i.e. checks). Interest is paid, compounded, and credited monthly. If you choose to close your account, any interest accrued but not yet paid is forfeited.
The Bear Club Savings account is a special account that can be opened for children that are age 17 and below. This account changes to a Regular Savings account on the owner's 18th birthday.
Requirements to Earn Stated APY
In order to earn the stated APY in this account, the following requirements must be met. (1) A valid e-mail address must be provided within 30 days of opening the account in order to receive statements electronically. (2) Customer must sign up for eBanking within 30 days of opening the account. If these requirements are not met, the account will revert to a Youth Savings account.
Closing the Account
If you close your interest-bearing account, any interest accrued, but not yet paid, is forfeited.
Fees and Charges
See Personal Account Service Charge Schedule for a complete listing.
Only one account per account owner may be opened and maintained without regular direct deposit to the account.
Annual Percentage Yields (APY) and corresponding interest rates quoted are accurate as of January 1st, 2025. Interest rates may change at any time at the bank's discretion.
Monthly Statements
All Win/Win Money Market accounts receive a monthly statement electronically. A monthly e-mail notification will be sent to the e-mail address provided by the customer. Statements will be available online through the customer's eBanking and mobile banking accounts. The customer has the responsibility to inform us of changes in their e-mail address.
Interest Calculation and Crediting
Tier 1 – Pay up to 7.00% APY on balances from $0–$25,000
Tier 2 – Pay 4.00% APY on balances from $25,000.01–$100,000
Tier 3 – Pay 0.02% APY on balances over $100,000
The APY earned on Tier 1 depends on your POS (point-of-sale) transactions during the month. Annual Percentage Yields (APY) and corresponding interest rates quoted here are accurate as of January 1st, 2025. If the account requirements noted below are met, the following APY and corresponding interest rates will be paid on balances $0 to $25,000:
APY of 7.00% with a corresponding interest rate of 6.79% if POS transactions total $7,000 or more.
APY of 6.00% with a corresponding interest rate of 5.85% if POS transactions total $6,000 to $6,999.99.
APY of 5.00% with a corresponding interest rate of 4.89% if POS transactions total $5,000 to $5,999.99.
APY of 4.00% with a corresponding interest rate of 3.93% if POS transactions total $4,000 to $4,999.99.
APY of 3.00% with a corresponding interest rate of 2.96% if POS transactions total $3,000 to $3,999.99.
APY of 2.00% with a corresponding interest rate of 1.98% if POS transactions total $2,000 to $2,999.99.
APY of 1.00% with a corresponding interest rate of 1.00% if POS transactions total $1,000 to $1,999.99.
APY of 0.50% with a corresponding interest rate of 0.50% if POS transactions total $500 to $999.99.
The portion of balances from $25,000.01–$100,000 will earn an APY of 4.00% and interest rate of 3.93%. The portion of the balance above $100,000 will earn an APY and interest rate of 0.02%. For example, the effective APY on $120,000 would be 2.92% with $2,000 of POS transactions posted during the month.
The interest rate and APY on this account may change at any time at the bank's discretion. Interest is calculated using the daily balance method which applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the collected balance which includes funds for which we have received credit – no later than the business day we receive credit for the deposit of your non-cash items (i.e. checks). Interest is paid, compounded, and credited monthly. If you choose to close your account, any interest accrued but not yet paid is forfeited.
Requirements to Earn Stated APY
In order to earn the maximum APY for balances in this account, the following requirements must be met:
A minimum of 12 Legacy Bank VISA® Check Card transactions totaling a minimum of $500 must be recorded for the statement period for POS (point-of-sale) transactions for the purchase of goods or services. Each of the minimum required 12 transactions must be received and posted during the statement period regardless of when the actual purchase took place. ATM transactions are considered separate from POS transactions.
A valid e-mail address must be provided in order to receive monthly statements electronically.
Customer must sign up for eBanking within 30 days of opening the account.
If the account requirements are not met, an APY of 0.02% will be paid on the entire account balance.
Requirements to Receive ATM Fee Reimbursement
Non-Legacy ATM surcharge fees will be reimbursed up to $3 per transaction up to 6 times per month, and the Legacy ATM transaction fees will be refunded, provided that the withdrawal is a minimum of $100 and the requirement of 12 POS transactions totaling a minimum of $500 for the statement period has been met. On withdrawals of an amount less than $100, no fee or surcharge will be reimbursed.
Minimum Balance Information
This account requires a $100 minimum opening balance. There is no minimum balance to earn interest. Current customers may switch from their current account to this account without regard to the minimum balance requirement.
Fees and Charges
For current rates, Annual Percentage Yields, and other account information, call 405-748-2535 or check rates at www.legacybank.com/rates. No maintenance fee will be charged on this account. See "Personal Account Service Charge Schedule" for a complete listing.
Annual Percentage Yields (APY) and corresponding interest rates quoted are accurate as of January 1st, 2025. Interest rates may change at any time at the bank's discretion.
Statements
All Square One accounts receive a monthly statement electronically.
A monthly e-mail notification, text alert, or push notification will be sent to the e-mail address or mobile number provided by the customer.
Statements will be available online through the customer's eBanking account, or on the mobile app.
The customer has the responsibility to inform us of changes in their e-mail address and mobile number.
Money Jar Cash Back
Cash back will be paid at the following amounts for point-of-sale transactions using your Legacy Bank VISA® Debit card.
Transactions of $10.00 to $24.99 earn 10 cents cash back.
Transactions of $25.00 to $99.99 earn 25 cents cash back.
Transactions of $100.00 or more earn one dollar cash back.
Cash back will not be paid on ATM transactions or refunds.
Rewards are paid and credited monthly. If you choose to close your account, any rewards accrued but not yet paid will be forfeited.
Minimum Balance
There is no minimum balance required to open the account.
Current customers may switch from their current account to this account without a minimum balance requirement.
Other Services
VISA® Debit card – no fee
eBanking – no fee
Mobile banking – no fee
Bill Pay – no fee
Electronic statement and check images – no fee
ATM transactions at Legacy Bank ATMs – no fee
ATM transactions at hundreds of other locations identified in the Legacy Mobile App – no fee
Deposit using Mobile banking on your smartphone – no fee (your carrier might charge fees for text and data)
For a more complete list of other account services, please refer to our account fee disclosure statement and deposit agreement.
Mobile Deposit involves a two-year agreement at $50 per month. A one-time $500 installation / set-up fee includes software, hardware, and a two-year maintenance plan.
If a two-year agreement is not right for your company, Legacy Bank also offers you the option of purchasing the hardware at the bank's cost. Under this option, you are responsible for purchasing your own maintenance plan. The monthly charge for this option is $50.
Privacy Policy | Terms and Conditions | Disclaimer | Disclosures | Sitemap
