Personal Checking Accounts

Free Checking Account with Overdraft Privilege

$100.00 minimum deposit to open account. No minimum daily balance requirement and no monthly maintenance fee. Unlimited withdrawals and checks. Internet Banking and Bill Pay. Debit Card available. $300.00 overdraft privilege available  ($500.00 if you have direct deposit). Maintenance fee waived on new Savings Account for one year with direct deposit. 

Regular Checking

$100.00 minimum deposit to open account. Minimum daily balance requirement is $500.00. A monthly maintenance fee of $9.00 is assessed if your balance falls below $500.00 at any time during the statement cycle. Unlimited withdrawals and checks. Internet Banking and Bill Pay.  Debit Card available. $700.00 overdraft privilege available. Maintenance fee waived on new Savings Account for one year with direct deposit.

Magnolia Rewards Checking

$100.00 minimum deposit to open account. $10 monthly maintenance fee (fee waived with relationship checking-combination of $5,000 in checking, savings or money market accounts). Age 55 or better-monthly maintenance fee is waived. Unlimited withdrawals and checks.  Internet Banking and Bill Pay.  Debit Card available. Competitive interest rate.  (Click here to view our rates.)  Maintenance Fee waived on new Statement Savings or Money Market account for one year. FREE safe deposit box for one year (3x5), then discounted 25% annually. Refer a friend and receive $25 for new relationship established from referral.

Magnolia Total Rewards Checking

$100.00 minimum deposit  to open account. $12 monthly maintenance fee (fee waived with relationship checking-combination of $10,000 in  checking, savings or money market accounts). Unlimited withdrawals and checks.  Internet Banking and Bill Pay.  Debit Card available. Competitive interest rate.  (Click here to view our rates.) $700.00 overdraft privilege available. Plus, enjoy all the benefits of Magnolia Rewards Checking and FREE Cashier's Checks. One FREE box of standard checks annually. FREE safe deposit box (3x5) or $15 credit toward a different size