Convenience Services

Online Banking

If you already have an account, you can enroll in Online Banking to view the balance, history and activity in any of your checking, savings, CDs, IRAs and loan accounts. You can also transfer funds, pay loans and reorder checks all from the comfort of your home.

Magnolia State Bank’s Online Banking is completely confidential and secure. Advanced security features such as security firewalls, password verification and encryption systems monitor your account, allowing access only with your personal ID and password (which you control).

You can access our online banking by using the following link or log in at the top of any page on our website.

Online BillPay

Skip the lines and the paperwork and enjoy some free time with Online BillPay. With BillPay, you can pay and receive your bills anytime, anywhere, online - directly from our online banking system. OBP is simple, fast and completely secure. With a simple click you can set automatic payments and schedule reminders so you will never pay another late fee. And best of all, there is no pre-funding! Get current payment information anytime you need it. All transactions are protected against unauthorized transactions and late-payment related charges. Guaranteed.

Enjoy your freedom with Online BillPay!


Eliminate the need for paper. Receive your checking and savings statements electronically.

With eStatements, you can access up to 18 months of statement history. You also have the ability to print and/or save the statement to your computer. Each month you will receive an email notification when your eStatement is available for viewing. You can access your statement securely using your online banking username and password. Once you have signed up for eStatements, you will no longer receive a paper statement. If at any time you would like to cancel your eStatement subscription, just let us know and we will switch you back to a paper statement.

Mobile Banking

Enjoy all of the benefits of Online Banking anywhere you go!

You can manage your account via text, mobile browser or a downloadable app. You can check your account balances and view activity, transfer money between accounts, pay bills on the go, change and cancel bill payments, and locate ATM and Branch locations. Mobile Banking is secure and easy to use and available to online banking users.

Download our free app and have access to your account any time of the day or night.

If you have an Android tablet, you can download the MSB application by clicking here.

Mobile Wallets

At Magnolia State Bank, we are always looking forward to the future of banking, and that future is here! In today’s payment industry, you have a variety of options when it comes to how to make a payment, and now we’re adding a couple more convenient options. Mobile Wallets such as Apple Pay® and Android Pay™ represent what could be the future of the payment industry and we’re ready for that future. Click the appropriate link below to learn more about these types of Mobile Wallets and how to use them with your Magnolia State Bank Visa® credit cards and MasterCard® debit cards.

Apple Pay®

Easy, Convenient & Secure
With Apple Pay®, you can make purchases at participating merchants with virtual cards on your iPhone® & Apple Watch®¹. Not only is Apple Pay a convenient alternative way to pay while out and about, it also allows you to receive the benefits and protection your card currently offers.

Simply add your Magnolia State Bank debit or credit card to the Wallet app on your iPhone. When shopping, look for participating merchants with the Apple Pay logo or the Contactless Symbol.

You can always manage your cards in Apple Pay on your iPhone by adding or removing cards at any time. To review your recent card activity, simply access your online banking or mobile banking app.

Your security is important to us
When you make purchases using Apple Pay and your Magnolia State Bank debit or credit cards, your full card numbers are never shown to the merchant². Also, if you ever misplace your iPhone, it’s simple to use Apple’s Find My iPhone to promptly put your device into Lost Mode to lock or completely erase your device, further protecting your financial security.

What are you waiting for? There’s no cost to create your virtual card or to use Apple Pay³, so let’s get started today.

¹Available on iPhone 6, Apple Watch, iPad Air 2 and iPad Mini 3. See Apple site for complete list.
²MasterCard & Visa will process your transactions in a similar manner as they do with your physical card, however most merchants will not have access to your physical card number but will receive a virtual card number. Some merchants require the actual card number for certain real-time decisions.
³Regarding fees: Any standard wireless carrier charges may apply. Any standard charges with the use of your actual debit and/or credit card also apply to your virtual card(s).

Apple, the Apple logo, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are a trademark of Apple Inc.

Android Pay™

Tap & pay with your phone to make everyday purchases using Android Pay.
Use your Magnolia State Bank debit or credit card by adding it to nearly any Android phone¹. You can then use your phone anywhere contactless payments are accepted by looking for participating merchants with the Android Pay logo or Contactless Symbol.

Android Pay uses a virtual card number to help keep your account information secure. Most merchants will never see your full card number when you make a purchase².

It’s as easy as 1, 2, 3 to use!

  • Add your Magnolia State Bank debit and/or credit card to the Android Pay app.
  • When paying at a merchant that accepts contactless payments, simply unlock your device, hold it near the contactless terminal and follow the prompts.
  • You can add or remove cards anytime by managing your cards inside the app.
Why wait? There’s no cost to create your virtual card or to use Android Pay³, so let’s get started today.

¹Android Pay is available for any NFC- and HCE-enabled Android device running KitKat 4.4+.
²MasterCard & Visa will process your transactions in a similar manner as they do with your physical card, however most merchants will not have access to your physical card number but will receive a virtual card number. Some merchants require the actual card number for certain real-time decisions.
³Regarding fees: Any standard wireless carrier charges may apply. Any standard charges with the use of your actual debit and/or credit card also apply to your virtual card(s).

Android and the Android Logo are trademarks of Google Inc. The Android Robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.

Telephone Banking

Your account information is just a phone call away. Safely access and monitor your Magnolia State Banks' accounts 24/7 using your phone. You may call 478-374-4663 or toll free 1-800-339-1437 to access your accounts.

  • Access your accounts wherever you are
  • Check account balances
  • Review your transactions
  • Verify checks posted and deposits received

Remote Deposit Capture

Remote Deposit Capture is a service that electronically submits your business’ bank deposits using a bank provided desktop scanner. It eliminates the need for regular trips to the bank by allowing you to simply scan the checks that you would normally take to the bank for deposit. The scanned checks are then securely sent to us electronically for processing.

Why Choose Remote Deposit Capture?
Remote Deposit Capture can help you create efficiencies and increase cash flow.

  • Deposits made before 5:00 PM EST are credited the same day with next day availability.
  • No need for deposit tickets - reduced manual effort and increased quality of deposit preparation saves overhead.
  • Eliminates the cost and liability of regular trips to the bank to deposit checks.
How Do I Get Started?

1. Let us know how you plan to use the scanner
  • How often will you be making remote deposits (daily, weekly, etc.)?
  • How many checks do you anticipate scanning in this time frame?
  • How much do you estimate the total dollar amount each deposit?
  • Which account(s) will the checks be deposited into?
2. We will use the provided information to prepare the Remote Deposit Capture agreement for your business. Once it has been completed, we will call you in to go over the prepared agreement, you'll sign and provide contact information for the individuals who are authorized to use the scanner.

3. We will schedule a date and time for someone from our IT team to come to your business to verify you have the appropriate hardware and security, set up your scanner, and give a basic training to the employees who will be completing the remote deposits.

What Do I Do with the Checks Once They've Been Scanned?

To prevent fraud, we ask you to store all original checks in a safe, locked, secure location for at least sixty (60) days after they have been processed by Remote Deposit Capture.

Who Do I Contact If I Have Questions About Remote Deposit Capture After Installation?

Contact our RDC team to help you with any questions related to Remote Deposit Capture at 478-374-3418 or email us at

The monthly maintenance fees associated with Remote Deposit Capture will be included in your monthly analysis statement; however, balances may offset the monthly fee.

ACH Origination

ACH Origination is when a business initiates electronic payment to or from multiple people or businesses at one time and the funds are directly deposited or withdrawn from their account. Each group of people that money is distributed to or from at one time is considered a "batch".

Some examples include:

  1. Payroll
  2. Employee reimbursements
  3. Vendor payments

How does it work?

Step 1: Let Us Know
  • Who you are planning to pay or pull payments from via ACH?
  • How many people?
  • An estimate of how much and how often (once a month, once a week, etc.).
Step 2: Approval & Agreements
The requested activity is reviewed and approved by a loan officer. ACH agreements are prepared accordingly. If you are withdrawing payment from others (for membership fees, etc.), you will need to obtain proper authorization. Sample authorization forms are provided in the ACH agreement.

Step 3: Upload a File of ACH Transactions
Once the signed ACH agreement is received, ACH Origination is added to your Online Banking under the Cash Management Tab and we set up your security token. You upload a file with the ACH batch details by 3:00 p.m. two days prior to when the items should be paid (Example – if you want expenses reimbursed on Friday, you would need to submit and verify the batch by 3:00 p.m. on Wednesday). This can be a NACHA file exported from your accounting system, an excel spreadsheet, or manually typed entries (one time) set up to be recurring.

Step 4: Verification
Verifying each batch is an important security step we take to protect your account. You can either fax us a verification document (a template is provided) or call us to verify a batch.

Step 5: Transactions Completed
The funds are withdrawn from your account 2 business days prior to the effective date. Recipients receive their funds on the effective date.

There are fees associated with ACH Origination which may be offset by balances in a Commercial Analysis Account. For more information about ACH Origination, contact at 478-374-3418.

Positive Pay

If check fraud keeps you up at night, then Positive Pay may be a good option to consider for your business. Positive Pay is a check reconciliation service available through our online banking platform that compares your business’ issued checks with your daily in-clearing checks and notifies you if there are any discrepancies. This optional service provides a strong defense against check fraud.

How does Positive Pay work?

  1. Your company imports a file containing the checks issued prior to distributing
  2. The checks are compared against your company file looking for a match in check serial numbers and amounts
  3. Checks that do not match become suspect and are manually examined for encoding or misread errors
  4. Suspect checks are reported to your company online and the company advises us how to proceed (pay or not pay)
Additional fees may apply with this service. Contact us to sign up or learn more about Positive Pay: 478-374-3418

Wire Transfer

If you need to securely send funds to another person or business quickly, a wire transfer¹ may be a good option. Wire transfers allow you to move money electronically from one person to another, domestically or internationally, directly from your account to their account. To initiate a wire transfer from your Magnolia State Bank account, contact your local branch.

¹Additional fees may apply for wire transfer services.

EMV MasterMoney Debit Card

With Magnolia State Bank’s EMV MasterMoney™ Card, paying for the things you want and need just got a whole lot easier. The EMV MasterMoney™ Card, which bears the MasterCard® symbol, is a “debit” card – a card you use like a check for your purchases.

With your EMV MasterMoney™ Card, the funds are automatically deducted from your checking account, eliminating the need to use cash, to charge, or to write checks! And since MasterCard® is accepted at more than 12 million locations worldwide, your card can be used to shop, eat, travel, buy a concert ticket, go to the dentist... whatever!

MasterMoney™ shopping is safer than cash and simpler than checks! It has all the benefits of using a credit card without a credit card statement at the end of the month. Your EMV MasterMoney™ debit card is also usable at an ATM to withdraw cash when you need it. So, if you don’t already have an EMV MasterMoney™ Card, drop by your closest Magnolia State Bank branch today.

This new card available from Magnolia State Bank provides you with an enhanced level of security. Every time you use your card at a chip-enabled terminal, the embedded chip generates a one-time use code which is virtually impossible to duplicate and helps in reducing card not present fraud, the most prevalent type of fraud in the United States. When using your card at a merchant that has a chip-enabled terminal, simply insert your card into the terminal with the chip facing up when prompted to pay and leave it in place until the transaction is complete and the terminal prompts you to remove your card. You may be asked to input your pin during the transaction or to sign your receipt afterwards, this will depend on the merchant. If the merchant does not yet accept chip-enabled cards, simply swipe your card as you normally would and complete your transaction. You have all the same benefits and security of our previous cards with an additional layer of security to give you more peace of mind when it comes to your everyday purchases at a chip-enabled terminal. For your convenience, you will find below a three-step guide to how to use your new EMV chip card.

PLEASE NOTE: There is a cross border charge for any debit transactions performed in another country. Please see your CSR or review your statement for more details.

To report a lost or stolen debit card, call 1-800-500-1044 or your local branch.

Instant Debit Card Alerts

With real-time text alerts sent to your phone, you can quickly detect and stop fraudulent use of your debit card. Once enrolled, you will receive a text message anytime your MasterMoney™ Card is used. To sign up or if you have any questions, call your local branch.

PLEASE NOTE: This is a text communication. The following may apply.

  • Message frequency varies by account
  • Message and data rates may apply
  • Text HELP to 72586 for help
  • Text STOP to 72586 to cancel
Participating carriers include AT&T, Sprint, T-Mobile, Verizon Wireless, Boost, Virgin Mobile, MetroPCS, Alltel/AWCC, Cricket, Google Voice, and U.S. Cellular.

SecurLock Equip

SecurLock™ Equip gives you the ability to control how, when and where your payment cards are used. A simple and secure way to protect yourself and your loved ones from fraudulent transactions. SecurLock™ Equip provides real-time transaction alerts for a whole new level of control.

Prepaid Cards

The Magnolia State Bank Prepaid Visa Card is the perfect solution for your needs – it can be used everywhere Visa Debit Cards are accepted!¹

Benefits include:

  • Acceptance – The card is welcome at millions of locations worldwide, including retail stores and online.
  • Fits any budget – You choose the amount you want to load - to the penny.
  • Safer than cash – Unlike cash, it can be replaced if lost or stolen.
Some applications for the Prepaid Visa Card are as follows:

Gift Cards
  • Great for gifts
  • NOT reloadable
  • Offered to both customers and non-customers (cash only)
  • Minimum age is 13
  • Must put a minimum of $10.00
  • Has a maximum amount of $1000
Reloadable Prepaid Cards
  • Great for parents with teens
  • Great for online shopping
  • Minimum age of 16
  • Up to two (2) backup cards (Min. age 13)
  • Personalized card (for primary owner)
  • Must put a minimum amount of $10
  • Maximum balance is $10,000
  • Maximum reload of $5,000
Travel Cards
  • Great for Magnolia Partners
  • Chip Cards
  • Minimum age of 16
  • Up to two (2) backup cards (Min. age 13)
  • Must put a minimum amount of $100.00
  • Maximum balance is $10,000
  • Maximum reload of $5,000
To purchase a Visa Prepaid Card, visit any of our branch locations.

Cards must be registered at in order to be FDIC insured. Reloads are available through direct deposit (free) or Western Union, MoneyGram, and Green Dot (3rd party fees apply.) Daily spending limit is $2,500.00. ATM limit is $500.00 and 3 ATM transactions per day.

¹The Visa Gift Card can be used at over twenty million locations worldwide wherever Visa debit cards are accepted. Following 13 consecutive months of inactivity, a monthly fee of $4.95 will be applied to any remaining balance. Funds do not expire. The card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc.

Merchant Services

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