Personal Checking

 

Magnolia Checking

Basic checking account

  • Minimum deposit to open $100.00
  • Only $7.00 monthly maintenance fee if daily balance falls below $100+
  • Write as many checks as you like, no limit or additional fees
  • Free Automated 24 Hour Customer Service
  • Free Notary Public

 + Additional options to avoid the monthly maintenance fee

  • Conduct 6 or more debit card purchases and/or payments from this checking account.
  • Provide proof of enrollment in high school, college, or technical/vocational college and be of 24 years of age or younger
  • Linked to a Magnolia Platinum or Magnolia Centennial Checking Account.

Magnolia Bronze

An account for everyone

  • Minimum deposit to open $100.00
  • Only $6.00 monthly maintenance fee if daily balance falls below $500.00
  • Fee of $0.25 for each debit transaction if daily balance falls below $500.00
  • EMV MasterMoneyTM Debit Card Available1
  • Free Instant Debit Card Alerts
  • Free Online Banking and Mobile Banking
  • Free Mobile Check Deposit Available
  • Free Online Bill Pay
  • Free E-statements
  • Free Automated 24 Hour Customer Service
  • Free Notary Public

Magnolia 50+

Free checking that earns interest for customers 50 and over

  • Minimum deposit to open $100.00
  • No monthly maintenance fee
  • Write as many checks as you like, no limit or additional fees
  • Competitive interest rate on daily balance of $1000.00 or over*
  • Free EMV MasterMoneyTM Debit Card
  • Free Instant Debit Card Alerts
  • Free Online Banking and Mobile Banking
  • Free Mobile Check Deposit Available
  • Free Online Bill Pay
  • Free E-statements
  • Free Automated 24 Hour Customer Service
  • Free Notary Public

Magnolia Platinum

A checking account that earns interest

  • Minimum deposit to open $100.00
  • Only $8.00 monthly maintenance fee if daily balance falls below $2500.00
  • Write as many checks as you like, no limit or additional fees
  • Higher interest rate with daily balance of $2500.00 or more, the higher your balance, the higher your rate*
  • Free EMV MasterMoneyTM Debit Card
  • Free Instant Debit Card Alerts
  • Free Online Banking and Mobile Banking
  • Free Mobile Check Deposit Available
  • Free Online Bill Pay
  • Free E-statements
  • Free Automated 24 Hour Customer Service
  • Free Notary Public
  • Free additional Magnolia Checking account with no monthly maintenance fee2
  • See a CSR for a list of additional benefits

 

Magnolia Centennial

An account for the customer interested in higher interest rates

  • Minimum deposit to open $100.00
  • Only $25.00 monthly maintenance fee if daily balance falls below $5000.00
  • Write as many checks as you like, no limit or additional fees
  • Higher interest rate with daily balance of $5000 or more -- the higher your balance, the higher your rate*
  • Free EMV MasterMoneyTM Debit Card
  • Free Instant Debit Card Alerts
  • Free Online Banking and Mobile Banking
  • Free Mobile Check Deposit Available
  • Free Online Bill Pay
  • Free E-statements
  • Free Automated 24 Hour Customer Service
  • Free Notary Public
  • Free additional Magnolia Checking account with no monthly maintenance fee2
  • Bank of Eastman/Magnolia State Bank Credit Card with no annual fee available3
  • See a CSR for a list of additional benefits

 

*We may change the interest rates on our checking accounts that earn interest at any time at our discretion.  See a CSR for more details.

1Certain restrictions apply; see a CSR for more details.

2Customer must ask for the monthly maintenance fee to be waived for a Magnolia Checking account; customer may only have fee waived on one Magnolia Checking account on which they are an owner or co-owner.

3 Annual Percentage Rate (APR) varies based on credit worthiness, certain restrictions may apply.  Please see a Credit Card Specialist to apply and for more details.

Offer good on personal accounts only; business and corporate accounts do not qualify for these plans.  Bank rules and regulations apply.