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Personal Checking Accounts

At Magnolia Bank, enjoy flexible checking account options and benefits tailored to fit your needs and lifestyle.

Our Checking Accounts

Simple Checking

Enjoy the ease of banking made simple.
  • Minimum opening deposit of $50
  • No minimum daily balance requirement
  • No monthly service fee
  • Up to 20 checks and withdrawals per statement period (excess item fee charged per check above initial 20 permitted)
  • Monthly statement without check images
  • Online banking, online bill pay and mobile banking

Mobile Checking

An account solution tailored to fit your busy lifestyle.
  • Minimum opening deposit of $50
  • $500 minimum daily balance requirement
  • $5 monthly service fee if daily balance falls below required daily minimum at any time during the statement cycle
  • Unlimited withdrawals and checks
  • Magnolia Bank fee waived at non-Magnolia Bank ATMs
  • Reimbursement of first five ATM surcharges of up to $25 per statement cycle
  • Online banking, online bill pay and mobile banking
  • eStatements at no charge / $5 paper statement fee

Interest Checking

A premium account solution that pays interest.
  • Minimum opening deposit of $50
  • $10,000 minimum daily balance requirement
  • $10 monthly service fee if daily balance falls below required daily minimum at any time during the statement cycle
  • Monthly service fee waived with relationship banking – must maintain minimum daily balance in combined checking or savings
  • Service charge waived for account owners 62+ and for full time students under 23
  • Online banking, online bill pay and mobile banking

Renew Checking

An account for those customers looking for a second chance.
  • Minimum opening deposit of $50
  • No transaction limits
  • $10 monthly service fee per statement cycle
  • Monthly service fee reduced to $8 per statement cycle with direct deposit
  • Online banking, online bill pay and mobile banking

Call us for more details

Watch & Learn

Additional Services

Person viewing a laptop for online banking.

Online Banking

Enroll in online banking and enjoy features that matter to you. See statements, monitor activity, pay bills, view checks or transfer funds in just a few clicks.
Debit Cards from Magnolia information

Debit Cards

Shop securely with a Magnolia Bank Debit MasterCard in-stores, online or at access eligible ATMs.
Woman viewing an eStatement on her laptop

eStatement

Switch to paperless statements and receive your statements online with an easy, worry-free statement reminder via email. With paperless statements, you can access your statements sooner from virtually anywhere using Online Banking.
Mobile phone to check the Magnolia Bank app

Magnolia Bank Mobile App

Securely access your accounts from virtually anywhere with the app. Just download the app on your mobile device and sign in using your same magnoliabank.com Access ID and password. Check balances, monitor activity, pay bills, deposit checks or transfer funds at the touch of a finger.
Image of credit cards

Credit Cards

Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, Magnolia Bank makes choosing the right card easier than ever.
Customer paying for an item with your mobile wallet on their phone

Mobile Wallet

Store your Magnolia Bank debit card virtually on your smartphone using a mobile wallet service such as Google Pay, Apple Pay and Samsung Pay. Using the app is convenient, user-friendly and secure while offering touch-free checkout in stores and online.