Welcome, Legacy Bank & Trust Customers!
We’re excited to combine the shared values, missions, and impact of Legacy Bank & Trust with Southern Bancorp, one of America's oldest and most impactful community development banks, to help create more paths to opportunity in the communities we serve.
It's business as usual for now.
Our teams will be working closely together over the next few months to ensure a smooth transition, and until then, you shouldn't expect to see many changes in your normal banking routine. In late 2026, Legacy will begin to transition its brand and systems, expanding access to new banking and service opportunities.
Until then, it’s business as usual for you – your customer experience will remain the same, delivered by the same people you’ve come to know and trust.
FAQs
Will there be any changes to my Legacy bank accounts?
Eventually – but not right now. All of Legacy’s accounts will remain the same until our eventual system conversion in late 2026, at which point your accounts, online & mobile banking, etc., will be converted to a new system and brand.
Please, confirm your current contact information on file with a Legacy Bank team member to make sure you receive relevant information every step of the way.
Will there be any changes to my loan payments or account access?
Accounts, debit cards, online & mobile banking will be converted to a new system and brand in late 2026.
Until notified otherwise, please continue to use your current methods of payment – including checks and debit cards – just as you normally do. Loan payments should also be made as usual. Access to Legacy’s website and mobile app for Online and Mobile Banking will continue as usual.
Will there be any changes at Legacy's bank locations?
The Legacy Bank branch network will eventually convert to a new system and brand. You won’t see changes to signs or materials until late 2026 during our system conversion and rebrand integration. Once combined into one bank, our branch network will span five states and over 60 locations.
I have a loan with Legacy in process. Will it be delayed?
No, Legacy Bank & Trust will continue to operate as usual for the time being, so you should not experience any setbacks or hurdles related to this acquisition.
If you have any questions, concerns, or believe you are experiencing a delay for any reason, please contact your loan officer directly.
How will I be notified of changes that impact me?
We will use all methods of communication to share any changes that impact your banking relationship. Please confirm your current contact information on file with a Legacy Bank team member to ensure you receive relevant information every step of the way. Check this site for updates as we get closer to our system conversion and rebrand.
About Southern Bancorp
History
In 1986, underserved communities across the Mid-South gained an economic development partner when some of the nation’s leading business, political, and philanthropic leaders formed the Southern Development Bank Corporation, now known as Southern Bancorp.
What began as a $10 million investment and a belief that paths to opportunity should be within reach of everyone, regardless of zip code, would eventually spur a movement of mission-focused institutions in communities across the country – Community Development Financial Institutions.
Today, Southern Bancorp is one of the oldest and largest CDFIs in the country, with $2.8 billion in assets, 56 locations across Arkansas and Mississippi, and a growing mortgage team serving the entire Southern region.
Both Southern Bancorp and Legacy Bank & Trust share deep roots in community banking and a strong commitment to serving people and places that traditional banks often overlook. As CDFIs, our institutions have worked tirelessly to create opportunities for individuals, families, and businesses to build wealth and thrive. Bringing our teams together strengthens that mission and expands the impact we can make in your community - and that you can have by banking with us.
Community Impact
Our Stories
Economic opportunity means different things to different people. For some, it means buying a first home after long giving up on the dream of homeownership. For others, it means starting, growing, or saving a business in a community that desperately needs jobs. Others may simply want to get their financial life on track. No matter the zip code, starting point, or financial history, we’re helping our customers turn the dream of economic opportunity into reality.
Stay tuned to this page for more updates and information in the coming months. We are excited to serve you with our mission to be Wealth Builders for Everyone!
Got a question not answered in the information above? Fill out the contact form below and we will get back with you as soon as we can.