First Bank Legacy Checking
First Bank Legacy Checking
in Checking Accounts from First Bank · Member FDIC

First Bank Legacy Checking

in Checking Accounts from First Bank · Member FDIC
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Cashback Rewards N/A
APY (Annual Percentage Yield) 0.01%
Monthly Fee $0 - $8.95
Minimum Balance to Avoid Monthly Fee N/A

First Bank Legacy Checking Review

First Bank Legacy Checking is offered by First Bank, a bank founded in 1906 and based in Creve Coeur, MO. First Bank Legacy Checking are available in 3 states across the USA.

Key Takeaways

  • Low APY. The maximum annual percentage yield for this account is only .01%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $8.95.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Bill pay. Pay your bills to practically anyone in the United States through First Bank.

First Bank Legacy Checking Pros & Cons

Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No signup bonus.
  • Only available in 3 states.
  • Monthly service charge.

First Bank Legacy Checking FAQ

Are checking accounts from First Bank federally insured?

Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #12229). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does First Bank Legacy Checking offer?

First Bank Legacy Checking Rates & Terms
APY (Annual Percentage Yield) 0.01%

First Bank Legacy Checking offers an APY of .01% (APY stands for annual percentage yield, rates may change).

What are the account minimums for First Bank Legacy Checking?

First Bank Legacy Checking requires a minimum initial deposit of $100 to open an account.

First Bank Legacy Checking Minimums
Minimum Opening Deposit Starting at $100
Minimum Combined Balance to Avoid Monthly Fee $5,000

What fees does First Bank Legacy Checking charge?

This account charges a monthly service fee of up to $8.95.

First Bank Legacy Checking Fees
Monthly Fee $0 - $8.95
Bank Teller Fee $0
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Cashing Fee $0

What features and perks does First Bank Legacy Checking offer?

This account includes the following features:

  • Fraud monitoring - First Bank Legacy Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - First Bank Legacy Checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Message From First Bank Legacy Checking

You're at the age when you want to do things your way. Whether you prefer paper or the electronic era, you'll benefit from all our money-saving features. Our account for the over-60 crowd offers a lot of options. You can send out paper checks or make electronic payments. You can get monthly statements in the mail or view them online. As for our other free services and attractive interest rates - well, there are some things everyone can agree on.

Legacy Checking! Everything you need to make the most out of life. Earn interest on account balances. Save with free checks and digital services. Enjoy convenience of electronic Bill Pay.


  Available in 3 states
  • California
  • Illinois
  • Missouri

Feature Breakdown

Minimum Opening Deposit Starting at $100
Minimum Combined Balance to Avoid Monthly Fee $5,000
Monthly Fee $0 - $8.95
Bank Teller Fee $0
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Cashing Fee $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card
  • Branch Access
  • Member FDIC
  • Check Writing
APY (Annual Percentage Yield) 0.01%

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