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Life Stages

Planting the seeds for your financial future

This person is relatively new to the world of managing money. She could be a college student with a part-time job, someone who just began her first career, or a bride-to-be making marriage plans. In any case, there are some bills to pay and a little bit of disposable income to manage. She is beginning to take on the responsibilities of supporting herself. Immediate financial concerns include paying rent, taking care of bills, and having some money for fun and entertainment.

Accounts to consider

Products and services to consider

  • WinWin Checking
  • Basic Checking
  • Money Market Savings
  • Interest Earning Feature*
  • Direct Deposit*
  • eStatements*
  • VISA® Check Card*
  • eBanking*
  • Bill Pay*
  • Credit Card
  • Consumer Loans
  • ATM Card
  • Telephone Banking

 

 

* Included with WinWin Checking
All checking accounts available as joint accounts.
See account brochures and disclosures for details on Legacy account products.

 

Growing and nurturing your goals and dreams

Someone in this stage of life has made it through the start phase and is now interested in settling down and making smart financial decisions. He has been in a career for a few years and is ready to purchase a house, buy a car, and possibly have some children. Financial concerns include getting a good mortgage rate, car loan rate, and opening some savings accounts for the kids. He is in the process of building his dreams.

Accounts to consider

Products and services to consider

  • WinWin Checking
  • Money Market Savings
  • Interest Earning Feature*
  • Direct Deposit*
  • eStatements*
  • VISA® Check Card*
  • eBanking*
  • Bill Pay*
  • IRAs
  • Student IRA - Education Savings Plan
  • Regular Savings
  • Health Savings Accounts
  • Financial Management Services†
  • Credit Card
  • Consumer Loans
  • Line of Credit
  • Mortgages
  • Real Estate Purchase Loans
  • Construction Loans
  • Safe Deposit Boxes

 

 

* Included with WinWin Checking
† Investment services are not FDIC insured, not guaranteed by Legacy Bank, and could involve possible loss of principal.

 

Enriching accomplished goals and broadening your base

Someone in this stage is perhaps in the best time of her life. She probably has children and a circle of friends, which makes life enjoyable and keeps things interesting. She is gainfully employed and is now seeing the need for retirement planning. Financial concerns may include buying additional vehicles for the kids, paying college tuition, and contributing to retirement plans and IRAs. She may also be looking for ways to invest the money that she has earned so that it will continue to grow. She is trying to tie up loose ends so she can enjoy a secure retirement surrounded with the people and things that she loves.

Accounts to consider

Products and services to consider

  • WinWin Checking
  • Money Market Savings
  • Interest Earning Feature*
  • Direct Deposit*
  • eStatements*
  • VISA® Check Card*
  • eBanking*
  • Bill Pay*
  • CDs
  • IRAs
  • Regular Savings
  • Health Savings Accounts
  • Trust Services
  • Retirement Planning
  • Financial Management Services†
  • Credit Card
  • Consumer Loans
  • Home Equity Line of Credit
  • Safe Deposit Box
  • Travelers Checks

 

 

* Included with WinWin Checking
† Investment services are not FDIC insured, not guaranteed by Legacy Bank, and could involve possible loss of principal.
All checking accounts available as joint accounts.
See account brochures and disclosures for details on Legacy account products.

 

Enjoying the fruits of your labor

This person may be more concerned with how he spends his time than how he spends his money. He has put his time into the work world and is now ready to relax and spend some of the money that he has earned and saved over the years. Retirement has arrived and travel may become high on the priority list, especially to visit his grandchildren. With the age and wisdom that he has gathered in his experiences, he knows that now is the time to think about who he will leave his assets and wealth to when his time on earth is through. Wealth management is a top priority.

Accounts to consider

Products and services to consider

  • WinWin Checking
  • Money Market Savings
  • Interest Earning Feature*
  • Direct Deposit*
  • eStatements*
  • VISA® Check Card*
  • eBanking*
  • Bill Pay*
  • CDs
  • IRAs
  • Regular Savings
  • Trust Services
  • Estate Planning
  • Retirement Asset Management†
  • Credit Card
  • Safe Deposit Box

 

 

* Included with WinWin Checking
† Investment services are not FDIC insured, not guaranteed by Legacy Bank, and could involve possible loss of principal.
All checking accounts available as joint accounts.
See account brochures and disclosures for details on Legacy account products.