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Help Center

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Frequently Asked Questions

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Account Management

Legacy Bank Mobile App/Online Banking

Debit Cards

Fraud Protection

Tax Questions

General Information

Account Management

What is the bank's routing number?

103104887

Where can I find my account number?

Give us a call at 405-748-2535, and we can relay this information to you. Additionally, you can look at the top of your monthly statements. If you don't receive paper statements, you can still view your statements in the mobile app or in online banking.

I need cash. What ATMs can I use?

You can use any Legacy Bank or Transfund ATM for free. You can also use our ATM search tool on our website.

How do I update my contact information?

Use the Legacy Bank Mobile app or online banking to send us a secure message. You can also give us a call or stop by one of our locations. Be sure to include your current phone number and e-mail address.

I've legally changed my name. How do I update my account?

To update your name in our system, we will need a color copy of your new ID or any documentation (marriage license, passport, divorce decree or other court order) showing your name change.

Can I open an account online?

Sure! It takes just a few minutes to open a checking or savings account online. You just need to be at least 18 years old. Open your account online here.

How do I order more checks?

Click here to order more checks from Harland Clarke. If you address is not correct on your current checks, please contact us at 405-748-2535.

How do I get a new debit card?

Stop by one of our locations, and in usually just a few minutes, we can have a new one printed and ready to go. You can also give us a call at 405-748-2535.

Why is my debit card not working?

There could be a few different reasons:

  • If the merchant has a chip-capable terminal, ensure you're inserting the card.
  • If you're making an international purchase, we do have card blocks in place. You can call us to get that block temporarily lifted.
  • If you're traveling and have not notified us, our Fraud Prevention Services may have flagged your card for unusual activity.
  • You may be going over your daily point-of-sale limits. You can call us to raise that limit as well.

I'm in a tight financial situation. What can I do?

Contact us regarding your account as soon as possible. We understand that life happens, and depending on the situation, we can try to help you in a few different ways.

Do I qualify for a loan with Legacy?

When making a decision on a loan, we consider several factors like credit, collateral, job history and income, etc. Click here to fill out an application to see if you qualify.

I'm traveling soon. Do I need to let the bank know?

If you are traveling out of state or country, please let us know. You can send us a secure message using the mobile app or online banking or give us a call at 405-748-2535. Here's a quick list of what we need to know while you're away:

  • Dates you'll be travelling
  • The location (state/country) that you'll be visiting
  • A good phone number to reach you if necessary
  • The cards you'd like access to when traveling

Legacy Bank Mobile App/Online Banking

How do I get the Legacy Bank Mobile app on my mobile device?

Select the link of the version appropriate for the mobile device on which you would like to install the app on the Legacy Bank Mobile page.

What are the benefits of the Legacy Bank Mobile app?

  • Deposit checks right from your phone
  • Transfer money between your Legacy Bank accounts
  • Set up customized alerts for everything from specific deposit amounts made to specific debit transactions
  • View your statements

Why won't my login credentials for the mobile app work when I try to log in to online banking on my computer?

We are sorry for the trouble, but for now, you must use separate login information for the mobile app and online banking.

How do I get Face ID/Touch ID or Fingerprint Authentication to work for the mobile app?

  1. Make sure Face ID, Touch ID, or Fingerprint Authentication is enabled in your device's settings app.
  2. Then, go to the Settings screen in the Legacy Bank Mobile app, and enable these two items:
    • Remember Username
    • Enable Face ID, Touch ID, or Fingerprint Authentication

I have enabled Face ID/Touch ID already, but the Face ID/Touch ID button is not displaying after opening the app. What do I do?

  1. Make sure you have an active Internet connection.
  2. Once connected completely close out of the app and re-open it.
  3. Make sure that the username field has an input and the checkbox next to it is checked.

I get the message "An unexpected error has occurred." when trying to log in. What do I do?

Make sure you have an active Internet connection. Go into your device's settings app; and enable Wi-Fi, or allow the Legacy Bank Mobile app to connect to the cellular network with Wi-Fi disabled. Using a VPN may also cause a connection issue. To make sure you can connect to our server, type https://go.legacybank.com/v2 within your Safari or Chrome browser. You should see the word "Hello" if you have a successful connection.

I have forgotten my login ID. What do I do?

You can call us at 1-800-687-9688 to reset your username and/or password.

I have been locked out of the system due to entering the wrong username or password too many times. How do I unlock my account?

You can call us at 1-800-687-9688 to unlock your account.

One of my accounts isn't showing up on my mobile app.

Double-check to make sure the account isn't minimized or collapsed. You should see a + symbol if it is collapsed. If you still cannot find your account on the app, send us a message or give us a call, and we can add your account in a few minutes.

How do I set up custom alerts?

  1. Select Notifications from the main menu.
  2. Select the type of notification from the list.
  3. Select the account(s) for the notification.
  4. Enable Text Alerts or Push Notifications.
  5. Enter any additional information required.
  6. Select Add.

How should I endorse checks when using mobile check deposit?

Sign the check with the following:
"For Mobile Deposit Only"
"Account #" + (Your Account Number)
(Your Signature)

How will I know my deposit was successfully received?

You will receive an email notification upon receipt.

How long do I have to keep my checks after they are successfully deposited?

You will need to securely store the original paper check for 60 days.

How will I know if Legacy approved and deposited my check deposit?

When your check deposit is processed and successfully posted, the transaction will display in your online account activity. Also, if you have enabled deposit notifications for the account, you will receive a notification.

Having trouble getting the mobile app to accept a deposit? Here are a few things you can try.

  • Turn your camera flash off and make sure you don't have any shadows on the check.
  • Use a solid color background that contrasts with the check color.
    • Marble tabletops or wood grain tabletops have been known to cause problems.
    • If you have a light-colored check, use a dark background.
  • Hold the camera parallel to the item, and match the check inside the guidelines on your screen.
  • The check should lay as flat as possible with no folds.
  • You may place a dot in each corner of the check about the size of an eraser.
  • Make sure to correctly endorse checks for mobile deposit

What if I submitted a deposit for the wrong amount?

There is no need to resubmit. If you entered the wrong amount for the deposit, we will correct it. This may result in a longer review and processing time.

Are there limits to how much I can deposit using the mobile app?

There are currently no limits as to how much you can deposit using the mobile app. Depending on the amount and the check itself, it may be subject to an extended hold.

Can I deposit a check with my mobile device if I log in to online banking through legacybank.com?

No. You can only make a remote check deposit with your mobile device using the Legacy Bank Mobile app.

Why does it take longer for some deposits to show up?

Sadly, it does take a little longer to process paper checks.

  • Checks deposited via mobile deposit after 3:00pm Monday through Thursday won't be posted to your account until mid-morning the next day.
  • Checks deposited via mobile deposit after 3:00pm on Friday won't normally get reviewed until Monday morning, since the bank check clearing system shuts down over the weekend. The clearing system is also closed on federal holidays.
  • You might check to see if your paycheck or recurring payments can be direct deposited into your account. This will give you quicker access to your funds, sometimes two to three days sooner.
  • The first time you deposit from a source, it will be subject to more careful scrutiny and will take a little longer to show in your account balance.

What should I do if I selected the wrong account for deposit?

You can transfer the funds using the mobile app. You may have to wait to do the transfer until all deposited funds are available.

Can I re-deposit a returned check through the mobile app?

No. Do not re-deposit a returned check using the mobile app. We can assist you at one of our Legacy locations.

Debit Cards

Why does it take so long for some transactions to clear?

Unfortunately, Legacy has no control over when a merchant or individual processes a check or debit card transaction. We post all transactions, both debit and credit, immediately when they are received. Some merchants hold their VISA transactions for a period of time before sending them through the network which causes a delay in posting. Other merchants submit each transaction as it occurs, so you may get an alert of a transaction on your account almost instantly. Merchants have up to 180 days to complete transactions.

What is a debit?

A debit is a transaction that decreases the balance of your account.

What is a credit?

A credit is a transaction that increases the balance of your account.

I have a bill pay question. What should I do?

You can just call our bill pay help line at 1-855-344-4902.

Fraud Protection

What do I do if I believe my debit card is lost or stolen?

If you lost your card or if you notice unauthorized transactions, call us immediately at 1-800-264-5578.

Should I choose credit or debit when paying with my debit card?

You can actually use either option; however, we encourage you to use your debit card as Credit to protect your PIN. If you have set up alerts through our mobile app, you will get a text message each time your card is used. Pay attention to those alerts, and let us know immediately if you get an alert of a fraudulent transaction. Because you let us know immediately, we can refund your loss once you file a claim with us.

What if there are transactions on my account that I do not recognize?

Contact us regarding your account as soon as possible, so we can shut down your debit card or freeze your account if necessary. We always encourage our customers to attempt to contact the merchant as well – you may have forgotten about a purchase you made, or the merchant may be willing to refund you.

Tax Questions

Do I get a 1099 from the bank?

If you received $10.00 or more in interest from us, you will receive a 1099. If you earned rewards from a Square One account, you will not receive a 1099 for those earnings, because rewards are not taxable income to you.

I misplaced the tax form you sent me or did not get one I was expecting to receive.

Just send us a secure message through the mobile app or online banking. You can also give us a call. Currently, these forms are not available online or through the mobile app.

General Information

Are you hiring?

We are always looking for the next great Legacy employee. Click here to see our current openings and to view our application.