55 and up
Legacy Checking 55+
Less friction, more respect
For members 55 and up who want banking with less friction. No monthly fee, free checks and cashier's checks, free notary, and a named person on our staff who reviews fraud alerts with you.
- APY
- 0.25%
- Monthly fee
- $0
- To open
- $25
Sample rate · October 2026
What you get
- No monthly fee, no minimums, 0.25% APY
- Free standard checks and cashier's checks
- Free notary and medallion signature services
- Fraud-watch concierge: a named person reviews alerts with you
- Larger-print statements on request, at no extra cost
Best for: Members 55 and up who want banking without nickel-and-dime fees.
| Item | Cost |
|---|---|
| Monthly fee | $0 |
| To open | $25 |
| Standard checks | Free |
| Cashier's checks | Free |
| Notary and medallion signatures | Free |
| Larger-print statements | Free, on request |
Sample figures for a fictional credit union, as of October 2026. APY means annual percentage yield. Rates are variable and can change after the account is opened. Fees could reduce earnings.
Questions
What members ask about Legacy Checking 55+
Still wondering? Read the full FAQ or ask a person.
What is the fraud-watch concierge?
A named member of our staff you can call about anything that looks off: an odd charge, a caller asking for codes, an email that feels wrong. They review it with you and help lock things down.
Can a family member help manage the account?
Yes. You can add a trusted contact, a joint owner, or give someone view-only online access. Each works differently, and we'll explain the choices at any branch.
Do I have to use the app?
No. Branch counters, phone lines, and paper statements all work the same. The app is there if you want it.
Open Legacy Checking 55+ in about ten minutes
Membership starts with a $5 share. Add Legacy Checking 55+ on step two of the application, or open it at any of our five branches.