• Serving our community since 1940

    Serving our community since 1940

    Great rates, fewer fees, and the hometown touch.
  • Meet Will!

    Meet Will!

    Are you Will(ing) to spend 5 mins with our new friend Will? He’s here to help you complete your will. Don’t delay, use Will be Done today! Read More
  • Six Locations To Serve You!

    Six Locations To Serve You!

    Jamestown * Lakewood * Randolph * Frewsburg * Panama * Read More
  • Member owned and not for profit

    Member owned and not for profit

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Our Checking Accounts feature:

  • No Monthly Fees
  • No Per Check Fees
  • No Minimum Balance
  • No Strings!
  • ATM and VISA Check Card Available (no fee)

Compare us with other "free" checking offers . . . we will never require a minimum balance or direct deposit. As long as you maintain your account in good order, the only thing you might pay for is your actual checks!

Order Checks Online from Legacy

We are ordering checks from Legacy Member Services. If we have already ordered Legacy checks for you, you can click on the icon below to go directly to Legacy's check reorder website.

online reorder legacy

If you have not received checks from Legacy before, or if your name or address has changed since your last order, you can order checks from any of our offices in person (except the Jamestown Drive-Thru Office).

Everyday use of your checking account is fee-free as noted above.

However, there are certain circumstances which will result in a charge:

  • Return Fee for non-sufficient funds - $27.00
  • Return of deposited check - $20.00
  • Stop Payment request (includes money orders and ACHs) - $15.00
  • Copies of checks - $2.00 each
  • ATM Cards - $25.00 fee for overdrawing an account using your ATM card.
  • VISA Check Cards - First VISA Check Card is free, replacement VISA Check Cards are $5.00
  • VISA Check Cards - $25.00 fee for overdrawing an account using your VISA Check card.
  • Excessive Overdraft Transfer Fee - $25.00 per transfer after 6 transfers per month from savings
  • Dormant Account Fee (per year, after two years inactive) - $10.00

For additional fees that may apply see "Rates & Fees" at the top of the page.


Main office: 915 E. Second Street
Jamestown, NY 14701
(716) 483-1650

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