Basic Checking (Share Draft) Account


With our Basic Checking (Share Draft) Account, you will receive unlimited check writing and no minimum balance requirements. There are no monthly service fees, and you have the availability of a Debit Card at no cost to you. If you request a replacement card, there is a $10 fee (no fee for fraud or expired cards). Our Basic Checking Account gives you the freedom to manage your finances the way you want, with the tools you need right at your fingertips. With these tools, your finances are available to you 24 hours a day, seven days a week. We also offer early direct deposit.

*The only costs associated with your share draft account is the cost of your checks and any overdraft fees you may incur as the result of overdrawing your account. Please be assured we will work with you in attempting to avoid overdraft fees.

 Online Banking and Mobile Banking with Mobile App

 Our Online Banking system and our Mobile Banking app allow you to see your account information and perform Your Legacy transactions at any time. These tools are available on any PC, Smartphone, or Tablet and are some of the added benefits for Your Legacy members, with no extra fees to you.

  • Check your balances.
  • Transfer money between Your Legacy accounts.
  • Make Your Legacy loan payments.
  • Mobile check deposit E-Statements

Online Services: 

Pay your monthly bills with Bill Pay

Manage your Personal Finances with My Money. Electronically consolidate your personal finances all with one tool. You can check saving and checking accounts from multiple financial institutions, mortgages, car loans and more.

Early Direct Deposit:

When we receive your direct deposit information from your employer (or anyone), we will make your money available to you, up to two days early. It’s that simple. No signing up for anything, if we receive your information, you will automatically receive your pay early. This also includes any ACH credit file that we receive, it does not have to be just payroll transactions.

My Money Quick Start Guide


Plus, you will have access to your accounts with over 5,600 other Credit Unions who participate in the CO-OP Shared Branches program throughout the entire U.S. Find a participating branch near you CO-OP Shared Branching.

Click the button below to look at all of our Share Account options!