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Notices & Disclosures

Privacy Policy Statement

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 For your own security, please do not list specific account information.

Privacy Notice
Personal Account Service Charge Schedule
Deposit Agreement
Funds Availability Disclosure
Consent Form for Overdraft Services Disclosure

Mortgage Loan Originators

View a list of our Mortgage Loan Originators and their NMLS identifications.

Information This Site Gathers and How It Is Used

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.

Important Information About Procedures for Opening a New Account

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.

Community Reinvestment Act Notice

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 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.

Card Security Restrictions

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 Transactions greater than $199.99:
Foreign countries

ATM & Point of Sale Transactions permanently blocked by Elan Financial Services:
Saudi Arabia
Internet Gambling
Saudi Arabia (POS)
Ukraine (ATM)
Romania (ATM)
Spain (specific merchants)
North Korea
Brazil (POS)

Other Information

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.