Compare our Personal Checking Account Options

All LegacyTexas checking accounts are only $100 to open, plus they come with a host of extras.


Account Types:Maximum Checking

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Money Market Checking

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Free Checking

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Is it right for you? Free checking and money market all rolled into one convenient, free account. Earn a competitive rate just by keeping a minimum balance. Just the basics.
Minimum Opening Deposit $100 $100 $100
Balance or Activity Requirements Monthly direct deposit or one online bill payment per month¹. No minimum balance required. No monthly service charge. Keep a combined daily balance of $3,000 to avoid $12 monthly service charge.4 No minimum balance required. No monthly service charge.
Interest2 Interest paid on deposits per balance tier. Calculated on daily balance and paid monthly:
  • Up to $24,999 (1.00% APY) 
  • $25,000 to $99,999 (0.25% APY)
  • $100,000 and over (0.25% APY)
Tiered account. Calculated on daily balance and paid monthly:
  • Up to $2,499 (0.02% APY)
  • $2,500 - $7,499 (0.05% APY)
  • $7,500 - $49,999 (0.10% APY)
  • $50,000 - $249,999 (0.25% APY)
  • $250,000 and over (0.35% APY)
Balance or Activity Required to Earn Premium Interest 15 debit card transactions per month and eStatements.  - -
Free Unlimited ATMs5 Yes - -
Free Checks Yes Yes -
Free Online Banking and Free Bill Pay Yes Yes Yes
Free MasterCard Debit Card with Legacy Rewards Yes Yes Yes
Free Text Message Banking3 Yes Yes Yes
Free Mobile Banking with Mobile Deposit Yes Yes Yes


Invest in Your Health

If you have a high deductible health plan, our Health Savings Account (HSA) is a great way to set aside money for medical costs. You’ll earn interest on funds set aside for qualifying expenses and receive tax-free benefits on HSA contributions.

  • Instantly access your funds with a Health Savings Debit Card
  • Open your account with as little as $100
  • Earn interest on balances of $5,000 or more
  • HSA can be funded by your employer

Use for qualifying expenses such as hospital stays, prescriptions, office visits, dental procedures, glasses/contact lenses and more.

To open an account, stop by a branch near you

Open Maximum Checking Today

This free account only requires a $100 opening deposit and either a monthly direct deposit or just one online bill payment per month.

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Still Have Questions? 

Not able to find what you're looking for? No problem. Let us talk it over with you and see what we can do to open an account to fit your needs. 

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