Personal Online Banking FAQ

The information below is designed to answer questions about online banking including: what system and software settings are required; how to access online banking for the first time; and how you can continue to quickly and conveniently manage your finances online.

Online Help Topics

How To Use Online Banking

Online Banking System and Software Requirements

Online Banking is optimized for use with certified/recommended browsers. If you use a different browser than listed below, you may not be able to take full advantage of all the features of our site. Beta versions of browsers and operating systems are not recommended or supported.

View individual settings for recommended browsers:

Test Browser Compatibility

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Recommended Operating Systems

            • Windows® Vista
            • Windows 7® SP2
            • Windows 8®
            • Windows 10®
            • Mac OS X 10.5 (Leopard™)
            • Mac OS X 10.6 (Snow Leopard™)
Mobile App Devices

Apple: iOs 7 or greater


  • Lollipop 5.0
  • Kit Kat 4.4
  • Jelly Bean 4.1 – 4.3

Beta systems for Apple or Android devices are not supported.

For Mobile Deposit Capture:
  • iOS 7 and greater
  • Android OS 4.1 and greater

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            • Cookies Session Enabled
            • JavaScript Permanent Enabled
            • Minimum Screen Resolution* should be 1028 x 768 pixels
            • Adobe Acrobat Reader should be Version 9.x or higher
            • Adobe Flash Player should be Version 10 or higher

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Online Banking

If you have verified the browser version and settings and checked the common login issues, and checked the website/online banking functions, but are still experiencing a problem, please contact us at 972-758-5000.

Online Bill Pay

Only technical support issues should be reported. To close your Bill Pay Account, please contact us at 972-758-5000.

How to Access Online Banking

Access your account in 4 easy steps:

  1. Access the home page at and locate Online Banking log in box on the right side of the page. 
  2. Type your User ID in the boxes provided. If you need assistance, contact one of our customer service representatives. Do not use hyphens or spaces.
  3. Enter your password you set up when you registered in the box labeled Password. 
  4. Select the "Access Your Account" button.

First time users will click on the "Register for Online Banking" link located below the user ID and password fields. All you need to register is your personal information and email address.

Once you submit your registration you will receive two emails. The first will confirm your application and the second will inform you when your access is complete.

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Maintaining Your Online Banking Options

To request a change listed below simply log into your online banking. From the home page click on the "My Settings" link in the top right hand corner. From the pop up box, you can update any information on your Online Banking profile:

            • Change your Username
            • Change your Online Banking Password
            • Change email address
            • Update your Security Options
              (This allows you to choose the channel/avenue of how you retrieve your One-Time Passcode, Username, or Password).
            • Rename your accounts
            • View/Edit Alert Preferences

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FREE Online Statements

Q. How do I sign up?

A. Simply log onto Online Banking and click on the Additional Services tab and choose "Statements & Order Checks Orders." Select the desired account in the Online Statement drop-down box. You will then be directed to complete online statement registration. Your online statement enrollment PIN is: LTB1963.

Q. How much does the new Online Statement option cost?

A. Just like the paper statement that is mailed to our customers each month, our online statement option is free.

Q. What is the difference between the Online Statement option and the account history that I can currently see in Online Banking?

A. The account history that you currently see in Online Banking is provided as a tool to help you reconcile your accounts and can also be downloaded into several different money management programs.

The history is also updated daily to provide you an up-to-the-minute view of what has and has not cleared your account. However, the Online Statement provided is an exact copy of the printed version you are currently receiving in the mail at the beginning of every month. It is also available online for a longer time frame. It is the official record of the account and is considered legal proof of your account.

For example, you could print a copy of your Online Statement to use when making application on a mortgage loan. The account history you have in Online Banking cannot be used as proof of your account.

Q. If I am a registered Online Banking user, am I automatically signed up to receive the Online Statement?

A. No. The statement will be available to only those customers that select that option.

Q. So how can I sign up for this service?

A.Once you log onto Online Banking and select "Additional Services" from the menu, choose "Statements & Order Checks Orders" You will then be directed to complete online statement registration.

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Q. Can an employee of LegacyTexas set this up for me?

A. No. Only you can set this up. There is no way for an employee to start this service for you.

Q. Do I need any special software to view the new Online Statement?

A. Yes. Adobe Acrobat Reader is required. If Adobe Acrobat Reader is not already on your computer, you can download it for free. The link is available on the online statement page for downloading.

Q. Once I'm signed up, how do I view my monthly statements online?

A. You will simply need to select "Additional Services" and choose "Statements & Online Check Orders" within Online Banking to view your statement. Your statement will usually be available within the first three business days of the month. No more waiting until the middle of the month for the paper statement! And, if you would like, we can even notify you by email when the statement is available for viewing. To enroll for email notifications, select "Notification Preferences" while viewing your available statements. 

Q. How many statements will be available for viewing?

A. Since the online statements only begin when you register for the service, there are no past statements available for viewing. However any statement delivered after your sign up date will retain online for 18 months before purging.

After that time, you may get a printed copy of your statement for a fee by visiting a bank location or calling our Customer Service Center at 972-578-5000.

Q. Can I print or download my statements for my records?

A. Yes. You will have the choice of printing your statements or downloading them to a disk or your computer hard drive.

Log-off Online Banking

Select "Log Out" at the top right corner of your screen. This feature signs you out of Online Banking and returns you to the home page and is a recommended security feature. This step will protect you from someone else accessing your account while your computer is unattended before your session times out.

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Online Forms

Need to change your address or place a stop payment? You no longer need to visit a bank to initiate these transactions. Simply log-on to Online Banking to access the following:

            • Account Closure Request
            • Bill Pay  Service Cancellation
            • Cancel Online Statements
            • Change of Address Request
            • Debit Transaction Dispute
            • Domestic Wire Transfer Request
            • External Loan Payment Authorization
            • Fraudulent Debit Card Transaction
            • HELOC Withdrawal Request
            • Loan Payoff Request
            • Stop Payment Order
            • Customer Account Maintenance
            • Ordering Checks
            • Overdraft Protection Changes
            • Loan Payment Changes

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Quicken/Quick Books Downloads

You can download your current transactions into a Personal Financial Management application such as Quicken and Quick Books. There are two ways to download these files once you are logged into Online Banking.

Manually uploading data

  • Login to online banking
  • Select the specific account under ‘My Accounts’
  • Ensure the date range you wish to export is displayed
  • Select ‘Export’ to the top right of the historical data.

Once you have used the drop down menus to select your preferences, click the Export button to save the formatted file. You will need to check with your software support or help information to determine the file type it will accept.

Utilizing Direct Connect

To have transaction history automatically link into a Personal Financial Management application such as Quicken and Quick Books you will need to utilize the Direct Connect functionality. A unique password will need to be created by you within your Online Banking Access prior to first setting up Direct Connect. To enroll is this service complete the following steps:

  • Login to your Personal Online Banking
  • Hover over ‘Additional Services’
  • Select the ‘Connectivity for Quicken and QuickBooks’
  • Complete the self-guided registration process.

Once a unique direct connect password is created you may complete the following steps to link your LegacyTexas Direct Connect Access to either Quicken or QuickBooks.

Quicken (Version 2014 or newer)

  • Within Quicken Select ‘Tools’ followed by ‘Add Account’…
  • Select the account type (Checking, savings etc.)
  • Type ‘LegacyTexas – DC QFX’ (If two results populate select the bottom option)
  • Enter your LegacyTexas Online Banking Username and the unique password created by you
  • Select ‘Connect’ 
  • Enter your Intuit ID 
  • Select ‘Finish’

QuickBooks (Version 2014 or Newer)

  • Open your QuickBooks® software and choose Banking > Online Banking > Set Up Account for Online Services.
  • Select your QuickBooks® account that will connect to LegacyTexas from the dropdown menu and click Next.
  • Choose ‘LegacyTexas – DC QFX’ (If two results populate select the bottom option) and then click Next.
  • Select the Direct Connect option and click Next.
  • Select Yes, my account has been activated for QuickBooks® online services and click Next.
  • Enter the Customer ID (your Online Banking Username) and Password (The passcode you created as direct above) and click Sign In.
  • Select the account you want to integrate into your QuickBooks® software. QuickBooks® will connect securely to our server to download bank data for the selected account.
  • Click Finish after the download completes. You have successfully integrated Online Banking with your QuickBooks® software.

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Processing Transfers

When you transfer money online, your transfer will take place immediately during regular business hours provided there are no holds on your accounts and the funds are available for transfer. Transfers done after hours will show up in your account immediately but will not be effective until the next business day.

For example, if you make a loan payment at 10:00 p.m. on Thursday evening, the payment will be credited to your loan on Friday.

If you attempt to transfer more than the available balance, you will receive an error message with the reason identified.

A transaction results page with a reference number will be displayed after you process the transfer. This page will include the date the transaction will be posted as well as the previous and new balances in each account. We suggest printing this page for your records.

We also allow you to process transfer both to and from your LegacyTexas and other financial institution accounts. This feature can be accessed by selecting ‘external transfers’ once logged into online banking. Certain transaction limits may apply.

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Share Access with Others

You may elect to allow additional users access to your personal online banking. This can be done from within your online banking by selecting "Additional Services" followed by "Share access with others."

  • When adding an authorized user you will be promoted to select which specific accounts, features, and bill pay transaction limits are being authorized for the user.
  • You may remove or update the shared access at any time. You may also assist the added user with resetting their password if needed as well. Simply select ‘Option’ next to the authorized users name in order to perform maintenance.

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View Recent Transaction History

Once you have logged into Online Banking, click the Account Access option. To view detailed account activity, including deposits, withdrawals, and transfers, just click the corresponding account title from the Account Summary page.

Transactions will post in pending mode until the next business day. That means on the day of transaction you will see Pending Credit for deposits, and Pending Debit for some withdrawals. Then the next business day you will see the full transaction description.

LegacyTexas provides access to account information in between the printing of regular statements. Once the statements are available to customers, the information begins to condense and purge to make room for the new transactions.

Although some older information may appear, it may be in a condensed format in preparation for purging. If condensing has occurred, instead of individual transactions, there could be several transactions listed for the total amount. Accounts with less transaction history may span a longer time frame available for viewing and/or download.

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Block pop-up windows

            • It is recommended that Block pop-up windows be turned OFF because Internet Banking utilizes pop-up windows (e.g. Printer Friendly window, etc.).

NOTE: Block pop-up windows can also be turned on/off from the Safari menu.

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Common Issues

Refer to the list below for answers to common Online Banking issues:

If you have not logged into Online Banking for 6 months or longer, your account has reverted back to New User status. You must register again to login.

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User ID or Password Issues:

Using hyphens or spaces when entering user ID

Position of the Caps Lock key—user ID and passwords are case sensitive

You will need to disable any save password function you have turned on in order to log in to Online Banking. This includes any “save password” software or “save password and functions” entered in the browser.

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System Issues:

            • Your accessing it from work and are on a LAN (Local Area Network) that does not allow secure page access. (Firewall permissions only given for regular Internet Access and not Secure Page Access.)
            • There may be phone problems or line noise on phone system.
            • The end user is using an old or unsupported browser.
            • The browser is not configured to accept all cookies.
            • The browser is not configured to use Java/Java scripting.
            • The bookmark may be out of date.

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Cookies are small pieces of information that a server gives to a user and then the user provides back to the server on subsequent pages, actions or visits. There are two types of cookies:

            • Persistent cookies which expire on a specific date
            • Session cookies which end when the session is ended

The use of cookies within Online Banking is necessary for the security of your account and is required for access. LegacyTexas uses cookies to authenticate your identity. There are a number of cookies within the secured site so you may want to turn off your cookie alert during your Online Banking session. Settings for cookies are unique to each browser but generally can be found in the Options or Preferences section.

Some browsers offer an option that allows you to accept only the cookies being sent back to the originating server. Enabling this function will allow you to have a user session without all the cookie alerts.

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Download to PFM Software

From anywhere within Online Banking, you can download your transactions into a Personal Financial Management application such as Quicken. This process will help eliminate entering some of the information manually into your software.

LegacyTexas provides access to account information in between the printing of regular statements. Once the statements are available to customers, the information begins to condense and purge to make room for the new transactions.

Although some older information may appear it may be in a condensed format in preparation for purging. If condensing has occurred, instead of individual transactions, there could be several transactions listed for the total amount. Accounts with less transaction history may span a longer time frame available for download.

There are two ways to download these files into your PC. The first, and easiest, option is available on the bottom of the Account History screen. The Quick Export function allows the user to select specific date range to download for that account.

*Although some older information may appear it can be in a condensed format (instead of individual transactions there is one amount) in preparation for purging.

Use the drop down menu to select the format compatible with your PFM software. By clicking on the Export Account button at the bottom of the screen this will download the transactions and the date range currently shown on the screen.

The other method for exporting your financial data is by clicking on the Account Export link right under the Account Summary tab in Online Banking. This option will allow you to select the account you would like history on, as well as the date range preferred.

Once you have used the drop down menus to select your preferences, click the Download Data button to save the formatted file on your PC.

LegacyTexas stores up to approximately 3 months of data, depending on the account activity, in Online Banking for your access. Both of these methods will allow you to save the formatted file which may be imported into your PFM software.

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All of your accounts (both with LegacyTexas and at other financial institutions) may be combined to view and budget within your LegacyTexas login by utilizing FinanceWorks. You may take a tour on how to use FinanceWorks by selecting ‘Manage Money’ followed by ‘Account Overview’ and then selecting ‘tour’ to the top right.

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