Legacy Apex Credit Cards, Bank, and Loans - Personal and Business

Expect more from your checking.

Open an online account with no monthly fees.

What's a Checking® account?

A fee-free online checking account you can use anytime, anywhere.


Online and mobile checking


To keep or open the account


Fee-free Legacy Apex® and Allpoint® ATMs

Bring balance back to your checkbook.

No Fees Icon


Go ahead, read the fine print. Zero fees and your first checkbook is free.

No Minimums Icon

No minimums

Open an account and start earning interest no matter what your balance is.

Free ATMs Icon

Free ATMs

Use over 39,000 Legacy Apex or Allpoint ATMs at zero cost.

Mobile Deposit Icon

Mobile Deposit

Deposit your checks from your phone. No professional photography skills required.

Online Bill Pay Icon

Online Bill Pay

Pay your bills online with the option to set up automatic payments.

Overdraft Options Icon

Overdraft Options

There are overdraft options you can choose from when you spend more than you have.

A checking account that gives back.

Earn interest each month just by having money in the bank.

Account Balance Annual Percentage Yield (APY)
$0 - $49,999.99 0.20%
$50,000 - $99,999.99 0.75%
$100,000 or more 1.00%

APYs are variable and effective as of 5/11/2018.

"I learned the magical unicorn of fee-free banking truly does exist. I love how easy it is to pay bills, deposit, and transfer money online. I even receive free ATM withdrawals at many convenient locations."

Hannah D., Saint Peter, MN

Stop paying money to use your money.

Fee-free means fee-free. Withdraw funds at any Legacy Apex or Allpoint ATMs with no penalty and enjoy no foreign transaction fees.

Make every day feel like payday.

With an online checking account, your money is always just a click away. Send cash and pay bills from your tablet, desktop or smartphone.

Finally, a checking account that's as mobile as you are.

Download our top-rated app.

Track your spending on-the-go. Use our mobile app to transfer money, deposit checks, and manage accounts.

Bank securely.

Even if you lose your phone, you'll always know where your money is. Sign in on any device with SureSwipe® access and see all transaction details.

Make mobile deposits.

Upload photos of your check to make a deposit from your phone.

Get instant alerts and messages.

Stay updated on your account activity with text alerts and avoid overdrafting with balance notifications.

Learn More

Checking: 101

Unlock everything you need to know to open a Checking account today. For answers, just click the arrow next to each question below.

  • What is an online checking account?

    Checking is a checking account that comes with everything you need and not everything you don't. Pay your bills, get cash, make deposits, and transfer money-all without the extra monthly fees and extra trips. You can open and manage your account securely by logging in on your phone or computer, instead of waiting for the bank to open first. And if you ever need help with your account, a real person is just a phone call away.

  • How can I manage my money if it's all online?

    You can make deposits and transfers using the Legacy Apex mobile app, one of our deposit-taking ATMs, or by mailing in a check for deposit. To withdraw cash, just use your debit card wherever MasterCard® is accepted or at any of our 39,000+ ATM locations. If you need paper checks, you can order your first checkbook for free through your online account. After that, you'll get 50 checks for just $5 every time you reorder.

  • How do I earn interest?

    If your online account balance is $49,999.99 or less, you'll earn an annual percentage yield of 0.20%. If your balance is between $50,000-$99,999.99, you'll earn a 0.75% APY on your entire balance, and if your balance is $100,000 or more you'll earn a 1.00% APY on your entire balance.

  • But where are the fees?

    Nope, still no hidden fees. Using a Legacy Apex Checking account is fee-free, but let's be totally upfront here: there may be some things you want or need to do with your account that will result in charges. If you overdraft on credit, request overnight check delivery, overnight delivery of a replacement card, a stop payment, or write a rejected check, there will be potential charges for these extra services.

  • What if I overdraft my account?

    We've got you covered. You have four options to choose from: Auto-Decline, Next Day Grace, Overdraft Line of Credit, and Free Savings Transfer.

    • Auto-Decline: we'll generally decline all transactions that would take your account into overdraft.

    • Next Day Grace: we'll pay for the overdraft transaction and you'll get one business day to add more funds to your account to cover the balance.

    • Overdraft Line of Credit: you'll pay 12.75% interest on the amount you overspend. Annual Percentage Rate (APR) Variable and Effective 03/22/2018.

    • Free Savings Transfer: automatically transfer funds from your Savings account to take care of what you owe.

  • What about my debit card?

    In order to get you faster access to your money, we'll expedite your new Checking MasterCard® Debit Card by FedEx®, which will arrive in 1-3 business days after you sign up. Once you receive your card, you'll be able to use it anywhere MasterCard® is accepted, including any ATM that has the Allpoint® or MasterCard® symbols on it.

  • Can I open a Checking account at a Legacy Apex® branch?

    Life doesn't just happen within business hours. That's why Checking and other accounts are online-only-so that you can bank on your schedule. While accounts can't be opened at a Legacy Apex branch, they still come with awesome free digital tools (and a top-rated mobile app) to help you manage your money, anytime, anywhere. If "anywhere" does happen to be near a Legacy Apex branch, stop by to learn more about additional banking options only available at our branch locations.

Find an ATM or Legacy Apex Café near you.

When you need us, we'll be there. Make deposits and withdraw cash at a Legacy Apex ATM near you or experience banking reimagined at a Legacy Apex Café.

Already in the neighborhood?

These products are available online, on your phone, and in Legacy Apex Cafés. If you live near a Legacy Apex location, find the Legacy Apex near you or talktalk to a Legacy Apex associate to learn more about our branch products.

See what other Legacy Apex customers are saying.

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"It was a pleasant surprise to find a bank that actually paid interest on any balance without any fees. I found it way better to earn...monthly interest, rather than paying monthly fees of $10 or more for not maintaining a minimum monthly balance."

Daniel N., Villa Park, IL

"My account allows me to manage my finances wherever I go. It's a click away on my table or smartphone. And for the rare times I need to check to be sent, I can mail one (without a stamp) from the account."

Keight P., Irvine, CA

"I work hard for my money-and a $10 or $12 dollar maintenance fee per month adds up. [With Legacy Apex], online banking is free, bill pay is free, and transferring between accounts is easy and free."

Wendy K., Potomac Falls, VA

For certain banking products we offer, fees assessed at any ATM within the United States and at some ATMs located outside the United States will be reimbursed within 5 business days, up to $15 per statement period.

At certain ATMs owned and operated by Legacy Apex Bank located in gaming establishments and at certain other non-branch locations having no Legacy Apex signage, you may be charged a fee up to $4.99 for each cash withdrawal. The amount of the fee varies by location and will be displayed on the ATM screen. You will be given an opportunity to cancel the transaction before the fee is imposed. Fees could reduce earnings on the account.

Based on a 4.6/5 star customer rating on the Google Play Store and a 4.5/5 star customer rating on the Apple App Store as of 02/05/2018.

Questions? Get real answers, from real people.

Phone, social media, Morse code (okay maybe not Morse code). Talk to a Legacy Apex associate today-no SOS required.