Legends Bank Instant Issue Debit Card

At a glance

One of our most popular products, the Legends Bank debit card doubles as an ATM card and a debit card. As an ATM card it can be used at hundreds of thousands of ATM machines worldwide. As a debit card it can be used at any merchant accepting Visa or MasterCard, acting as an "electronic checkbook" in place of paper checks. These cards can be instantly issued at most of our locations.

(after hours) call 1-800-383-8000 immediately.

Best For

A debit card can be used in conjunction with any of our personal accounts, including Preferred Checking, Free Checking, VIP and VIP Plus accounts.


As an ATM card, use it free at any of Legends Bank's drive up ATM machines at the Belle, East Linn, Jefferson City, Loose Creek, Owensville, Rolla, Taos, Union and Westphalia branches, and at the bank's walk up ATM machines in the Bland K&M Country Store, State Technical College of Missouri Activity Center, and Linn Thriftway supermarket. The card is also accepted at hundreds of thousands of other ATMs worldwide.

As a debit card, use it for purchases at any merchant accepting MasterCard or Visa. No more having to provide ID when trying to make a purchase out of town. The transaction is automatically deducted from your checking account, and there are no fees for these types of transactions.

Debit cards can be issued instantly at our Linn, Jefferson City, Owensville, Rolla and Union locations. Want to support your local school? Ask us about our school spirit card selection where you can support your local school with a $5.00 fee that will then be remitted to that school.

Minimum Balance



The debit card is free. Legends Bank assesses a fee of $1.00 each time you use your card at a non-Legends Bank ATM. There is no charge for using the card at an ATM owned by Legends Bank, or for using the card as a debit card at a merchant location.

Travel Tips

If traveling outside your area but yet within the United States, watch your smartphones for messages from Shazam in case there is a purchase made with your bank issued debit card that is in question. Shazam will want verification that the purchase was made by you. Please respond. If traveling outside the United States, contact any of our ten locations prior to departure so that we can add a note to your account for reference if any purchases are in question. #travelsafe

Shazam brella™

SHAZAM brella is a fraud transaction alerting, balance monitoring and ATM locator application. And, you can use this app to block and unblock your card with our transaction control feature!  Learn more about Shazam brella!

Commonly Asked Questions and Answers

Q: What is a debit card?

A: Its a debit card that essentially operates as an electronic checkbook at any merchant accepting Visa®/MasterCard®. It also doubles as an automated teller machine (ATM) card for making deposits, withdrawals, or transfers between your checking and savings accounts.

Q: Is a debit card a credit card?

A: No. As a debit card, it automatically deducts purchases from your checking account rather than adding to the balance on a line of credit.

Q: Why have a debit card?

A: Worldwide convenience! Use it at any location accepting Visa/MasterCard. That's millions of merchants across the world. No need to carry checks or worry about them getting lost or stolen. Plus you have ATM access 24-hours a day in thousand of locations.

Q: How do I keep track of purchases?

A: Merchants will give you a receipt for your purchase just as they normally would. Plus, each purchase will be detailed on your monthly checking account statement. ATMs will provide transactions receipts. Be sure to record these transactions in your check register.

Q: With a debit card, do I still need a credit card?

A: Yes, if you prefer to buy on credit or if you want to spread out the payments. A debit card will not allow making payments over time, the amount is deducted immediately from your checking account.

Q: Can I link my savings account to my debit card?

A: Yes and no. You can access your savings account via ATMs. However, all purchase transactions will be posted to your checking account.

Q: How safe is a debit card?

A: Quite safe. To use your card, you must use your personal identification number (PIN) for ATM and POS transactions. A lost or stolen card is of no value to another person as long as they don't know your PIN number. At merchants accepting Visa/Mastercard, the transaction is completed by your signature.

Q: How do I use my debit card?

A: When making a purchase at the Visa/MasterCard location, just present it to the merchants as you would a credit card. For ATM transactions, simply follow the instructions on the terminal.

Q: Do I pay interest or finance charges on my purchases?

A: No, because debit card purchases are posted to your checking account. You are not making a credit purchase subject to finance charges. The only fees may be those associated with your ATM card usage.

Q: What happens if I lose my debit card?

A: Contact us immediately. That's all there is to it. We'll handle all the details.

Q: How do I sign up for debit card?

A: Just complete and return the simple application. And, be sure to call us if you have any other questions.