Minimum balance requirements vary by account type. Our Essential Checking has no minimum balance requirement. Plus Checking requires $1,500, Premium Checking requires $5,000, and Elite Private Banking requires $25,000. Maintaining the minimum balance helps you avoid monthly maintenance fees.

To set up direct deposit, provide your employer with our routing number (021000089) and your account number found in your online banking dashboard or on your checks. Most employers have a direct deposit form you can fill out. Deposits typically start within 1-2 pay cycles after setup.

Yes! You can open multiple checking and savings accounts to organize your finances. Many customers use separate accounts for bills, savings goals, emergency funds, and daily spending. There are no limits on the number of accounts you can have, and you can easily transfer money between them instantly through online banking.

To close an account, ensure your balance is zero and there are no pending transactions. You can visit any branch with a valid ID, call our customer service at +1 865 283 5354, or submit a request through secure messaging in online banking. We'll process your request within 1-2 business days and send confirmation.

If you overdraft, we offer several protection options. Overdraft Protection links your savings account to cover shortfalls automatically (free). Standard overdraft coverage charges $35 per transaction up to 3 times per day. Premium and Elite members receive 2 fee-free overdrafts per year. You can opt out of overdraft coverage anytime.

Absolutely! Your deposits are insured by the FDIC up to $250,000 per depositor, per account category. We also employ bank-grade 256-bit encryption, multi-factor authentication, real-time fraud monitoring, and biometric security features to protect your accounts and personal information.

If you notice any suspicious activity, immediately call our 24/7 fraud hotline at +1 865 283 5354. You can also freeze your card instantly through our mobile app by going to Card Controls > Freeze Card. We'll investigate the activity and issue a new card if needed, typically within 2-3 business days.

Click "Forgot Password" on the login page and enter your username or email. We'll send a secure reset link to your registered email or phone. For added security, you may need to verify your identity through security questions or a one-time code. The reset link expires after 15 minutes.

Yes! We strongly recommend enabling two-factor authentication (2FA) for enhanced security. You can use SMS codes, email verification, or authenticator apps like Google Authenticator. Enable 2FA in your Profile Settings > Security > Two-Factor Authentication. This adds an extra layer of protection to your account.

Report a lost or stolen card immediately by calling +1 865 283 5354 (24/7) or using the "Report Card Lost/Stolen" feature in your mobile app. We'll deactivate your card instantly and rush a replacement to you within 2-3 business days. Emergency card replacement is available at any branch location.

Domestic wire transfers are $25 for outgoing and free for incoming. International wires are $45 outgoing and $15 incoming. Daily limits are $10,000 for Essential accounts, $25,000 for Plus, $100,000 for Premium, and unlimited for Elite members. Higher limits can be requested through customer service.

Standard ACH transfers take 1-3 business days. Same-day ACH is available for a $5 fee (free for Premium and Elite members). Wire transfers are typically completed within hours for domestic and 1-2 business days for international. Zelle transfers to other participating banks are instant.

Yes! Your Legacy Investment debit card works at millions of locations worldwide wherever Visa is accepted. Essential and Plus accounts have a 3% foreign transaction fee, while Premium and Elite accounts enjoy fee-free international transactions. Remember to set a travel notice in your app before your trip.

Use any Legacy Investment ATM for free nationwide. At non-Legacy ATMs, Essential accounts pay $3 per transaction, Plus accounts get 4 free withdrawals per month, Premium accounts get unlimited free ATM withdrawals nationwide, and Elite members get unlimited free ATM withdrawals worldwide with fee reimbursements.

Yes! You can set up recurring payments for bills, transfers, and loan payments through online banking. Choose the frequency (weekly, bi-weekly, monthly, quarterly, or annually), start date, and end date. You can modify or cancel scheduled payments anytime before the processing date.

Mobile deposits are easy! Open the mobile app, select "Deposit Check," take photos of the front and back of your endorsed check, enter the amount, and submit. Funds are typically available within 1 business day. Daily mobile deposit limits are $5,000 for Essential, $10,000 for Plus, and $25,000 for Premium/Elite accounts.

You can start your loan application online through our Loan Center or visit any branch. For mortgages, you'll need proof of income, tax returns, employment verification, and credit history. Our loan officers will guide you through the process and help you find the best rates. Pre-approval typically takes 24-48 hours.

Credit score requirements vary by loan type. Personal loans typically require a minimum score of 620, auto loans 650, and mortgages 680 for best rates. We also consider your income, debt-to-income ratio, and employment history. Even with lower scores, we may have options available - contact us to discuss your situation.

Yes! We encourage early loan payoff and charge no prepayment penalties on any of our loan products. You can make extra payments anytime through online banking, mobile app, or at any branch. Extra payments go directly toward your principal balance, helping you save on interest and pay off your loan faster.

You can request a credit limit increase through online banking under Card Services > Request Limit Increase, or call +1 865 283 5354. We'll review your account history, payment patterns, credit score, and income. Automatic increases are also considered every 6 months for accounts in good standing.

We offer a wide range of investment options including individual stocks, bonds, mutual funds, ETFs, retirement accounts (Traditional IRA, Roth IRA, 401k rollovers), certificates of deposit (CDs), money market accounts, and managed portfolios. Our investment advisors can help create a personalized strategy based on your goals and risk tolerance.

Investment account fees vary by service level. Self-directed trading has $0 commission for stocks and ETFs. Managed portfolios have advisory fees ranging from 0.50% to 1.25% annually based on account size. Premium and Elite members receive discounted rates and additional free trades. No account maintenance fees for balances over $10,000.

Access your statements anytime through online banking under Documents > Statements. We provide monthly statements for all accounts, available for up to 7 years. You can view, download, or email statements as PDFs. Go paperless to receive statements electronically and help the environment while reducing clutter.

Yes! Our award-winning mobile app is available for free on both iOS (App Store) and Android (Google Play). The app offers full banking functionality including mobile check deposit, bill pay, transfers, card controls, budgeting tools, and biometric login. Rated 4.8 stars with over 500,000 downloads.

Absolutely! Set up customized alerts for low balances, large transactions, deposits, withdrawals, bill due dates, and suspicious activity. Choose to receive alerts via email, SMS, or push notifications. Manage your alerts in online banking under Settings > Notifications & Alerts. Real-time alerts help you stay on top of your finances.

Our customer service team is available 24/7 by phone at +1 865 283 5354. Live chat support is available Monday-Friday 7am-10pm ET and weekends 9am-6pm ET. Email support at grantkelly@legacyinvestmentinternational.com receives responses within 24 hours. Branch hours are Monday-Friday 9am-5pm, Saturday 9am-1pm.

Yes! We have over 200 branch locations nationwide. Use our branch locator tool on the website or mobile app to find the nearest location, view hours, and get directions. Many branches offer extended hours and Saturday service. You can also schedule appointments with specialists for personalized assistance.

Update your contact information anytime through online banking under Profile Settings > Personal Information. You can change your address, phone number, email, and emergency contacts. For security, some changes may require identity verification. You can also update information by visiting any branch with a valid ID.

For business accounts, you'll need: business formation documents (LLC, Corporation, etc.), EIN (Employer Identification Number), business license, ownership information for all parties with 25%+ ownership, and valid government-issued ID for all signers. Requirements may vary by business type - contact us for specific guidance.