FAQs

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General Information

What is my routing number at Legence Bank? Your routing number is 081204867.

How do I reorder checks? You can bring a reorder slip or simply request a reorder at any of our branches. Additionally, you can always use our website to reorder checks or request that we order checks on your behalf.

I recently moved and need to update my contact information with the bank. What do I need to do? We need to have your current address, phone number and email address. If you visit one of our branches, we will ask that you sign a form so that we may update your information. If you call one of our branches, we will mail a form to you. When we receive the signed form, we will be able to update your information.

I recently changed my name. How do I update this? We will need to make a copy of your driver's license reflecting your new name. We will also ask that you and anyone on your accounts sign a new signature card for each affected account.

How do I sign up for direct deposit? This is something you set up with the company that is sending the deposit. You will need to provide the company with your routing number, account number, bank name, and possibly a blank voided check. They will inform you of when you will receive your first direct deposit. If you would like assistance in setting up a direct deposit, simply call one of our Customer Service Representatives.

What is the "qualification cycle" for my Kasasa account? Your qualification cycle runs from the 1st business day of the month through the next-to-last business day of each month. Please note that purchases should post to and clear your account within the qualification cycle time frame to be counted. You will then receive the interest you have earned on the last business day of each month.

I do not have internet access at home, but I would like to stay up on my balances. What options to do I have? You have two great options. Telephone Banking is completely free and allows you to call a toll-free number to retrieve your balance as well as recent activity. Text Banking allows you to text or to receive text alerts which offer your balance as well as recent activity. Legence Bank does not charge for Text Banking with personal accounts. However, you may want to check with your mobile carrier to make sure that you will not incur fees for texting on your cell phone plan. Please contact a Legence Bank Customer Service Representative if you are interested in either service.

I would like to get a new account, but my schedule does not allow me to come into a branch during business hours. What should I do? If you wish to apply for a personal checking or savings account, applying for an account online is a great option. This user-friendly application takes about 10 minutes and will initiate the process of opening your account with our eBranch. To apply online, simply click the Open Now button when viewing the type of account you wish to open.

I want to safeguard myself from identity theft. What are some best practices to protect my identity? Your security is of the utmost importance at Legence Bank. We believe that the best defense against online criminals is for us to keep you as informed as possible. We offer a practical set of tips that can help you protect yourself against identity theft. for more information, simply visit our Fraud Prevention and Security page.

Debit Cards

I just received my debit card. What should I do now? You will need to activate your debit card by calling the toll-free number on the card. You will receive your PIN in a separate mailing in the next 2-3 business days.

I would like to change the PIN on my debit card. How can I do that? Simply bring your debit card into any of our branches to change it to the Personal Identification Number you wish.

I either lost my debit card or it was stolen. What do I do? You should notify Legence Bank as soon as possible in order to close your debit card by calling your local branch or calling 1-800-360-8044. To contact someone after hours, please call 1-800-545-4274 and choose Option 6 for ATM/Card Services.

Should I choose credit or debit when I use my debit card? Legence Bank recommends that you choose credit for all point-of-sale purchases. It is a more secure transaction.

Why do I have a $1.00 transaction on my account? Some merchants will pre-authorize your debit card to ensure that it is a valid account. It is simply a hold on your account. This hold will remain until the merchant submits the actual amount of the transaction and it posts to your account. Once the actual payment posts, typically within 2 or 3 business days, the pre-authorization in the amount of $1.00 will come off of your account.

My debit card was denied for a large purchase, but the funds are available in my account for this amount. What happened? There are limits placed on all debit cards and ATM cards for your security. These limits are set per business day. If you wish to adjust these limits, please call a Customer Service Representative at Legence Bank.

I am traveling out of the country. Should I notify Legence Bank? If you will be using your debit card while you travel far from home, especially if you are traveling internationally, you will need to notify our Operations department of where and which dates you will be traveling.

Online Banking

How can I sign up for Online Banking? You can either come in to any of our branches so that a Customer Service Representative can assist in getting you signed up, or you can click on the Sign Up button on our website's homepage to begin the process. When you finish the online application, you will receive a form in the mail within 2-3 business days. Upon our receipt of that signed form, we will contact you with the credentials you will need to gain access to your Internet Banking.

I am locked out of my Online Banking. What do I need to do? Once you are locked out, you will need to contact the eBranch or a Customer Service Representative in order to be reset. We will assist you in gaining access back into your Online Banking.

What is the difference between my Account Balance and my Available Balance? The Available Balance is the amount of funds available for immediate withdrawal or use. It is the Available Balance, less any withdrawals, plus cash or electronic deposits that are part of the day's activity. Please note that the Available Balance does not reflect outstanding checks or debit items that have not been presented for payment. A penalty may be charged to your account if you draw against unavailable funds. The Available Balance, sometimes referred to as Ledger Balance is the actual balance in your account at the beginning of a specific business day. Available Balance does not include any holds or pending transactions (transactions that have not posted).

What are my options to receive the one-time passcode for the new security measures? You have three options: the six-digit code can be sent by voice call on any phone, by text on a cell phone, or by email.

I don't want to receive a one-time passcode every time I log in to Online Banking on the same computer. What should I do? Once you enter your one-time passcode in the field provided, you will have an option to register your computer or device. We only recommend registering a computer or device if it is yours and it is private. If you register your computer or device, you should not be prompted with a request for a one-time passcode on future logins. If you have registered your computer or device, and you are still prompted to verify your identity, please contact the eBranch for further assistance.

I'm having trouble logging in. What should I do? Should you have any questions or you would prefer to have assistance with your Online Banking login, please don't hesitate to contact Legence Bank's eBranch or a Customer Service Representative by calling your local branch or calling our toll free number at 1-800-360-8044.

I would like to be able to transfer funds between two accounts online. What do I need to do? Please call the eBranch or come in to see one of our Customer Service Representatives. After signing a form, we will set it up so that you will be able to transfer funds between the accounts you wish.

I still get a paper statement but would like to receive it online now. What do I need to do? Simply click on the "Activate eStatements" link on our website's homepage. Once you fill out a short application making your request, we will get the noted statements changed to eStatement.

I would like to change my Online Banking username. How do I do that? Once you are logged in, click on the link in the top right hand corner called "My Profile". There is an option that allows you to change your username. Once you enter your new username, you will begin to use it in every subsequent login.