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PERSONAL BANKING


At Malaga, we are committed to providing a personal banking experience that caters to today's busy lifestyle. Our personal bankers can help you find accounts that fit your needs and continue to work with you to realize and achieve your personal financial goals.

Choose from a variety of products and services; from checking accounts to lines of credit and personal loans, our personal bankers are here for you!

Checking, Savings and Money Market Accounts

Accounts Minimum Opening Deposit Check Writing Monthly Service Charge Interest Image Checks Limitations ATM/Debit Card Account Features
CHECKING PRODUCTS
No-Fee Checking $100 Unlimited None No No N/A Yes Online/Mobile Bkg
Bill Payer
E-Statements Required*
1st box of cks Free
Student Checking $100 Unlimited None No No Age 16 requires joint account with parent or guardian. ATM card only Online/Mobile Bkg
Bill Payer
E-Statements Required*
1st box of cks Free
Unlimited Checking $100 Unlimited $7 if balance falls below $500 during the statement period. No Yes N/A Yes Online/Mobile Bkg
Bill Payer
E-Statements
Senior Checking $100 Unlimited None No Yes Age 55+ Yes Online/Mobile Bkg
Bill Payer
E-Statements
1st box of cks Free
Preferred Checking $100 Unlimited $10 if balance falls below $1,000 during the statement period. Yes Yes N/A Yes Online/Mobile Bkg
Bill Payer
E-Statements
Malaga Market $500 6 checks per statement period $5 if balance falls below $10,000 during the statement period. Yes No Limit of 6 third party transfers, of which 6 may be by check, or pre-authorized withdrawals. If limit is exceeded an excess transaction fee of $10 per item will be assessed. ATM card only Online/Mobile Bkg
Bill Payer
E-Statements
Unlimited over the counter withdrawals
SAVINGS PRODUCTS
Cash Management $25,000 N/A $15 if balance falls below $10,000 during the statement period. Yes N/A Limit of 6 third party transfers or pre-authorized withdrawals. If limit is exceeded an excess transaction fee of $10 per item will be assessed. ATM card only Online/Mobile Bkg
Bill Payer
E-Statements
Unlimited over the counter withdrawals
Premier Market $500 N/A $5 if balance falls below $10,000 during the statement period. Yes N/A Limit of 6 third party transfers or pre-authorized withdrawals. If limit is exceeded an excess transaction fee of $10 per item will be assessed. ATM card only Online/Mobile Bkg
Bill Payer
E-Statements
Unlimited over the counter withdrawals
Preferred Savings $100 N/A $3 if balance falls below $200 during the statement period. Waived for minors, seniors, retirement Yes N/A Limit of 6 third party transfers or pre-authorized withdrawals. If limit is exceeded an excess transaction fee of $10 per item will be assessed. ATM card only Online/Mobile Bkg
Bill Payer
E-Statements
Unlimited over the counter withdrawals
* $2 monthly charge for paper statements
For discussion purposes only; complete disclosures provided at account opening.

Online Banking

Malaga Online is designed to help make banking faster, easier, and more efficient.

Gain instant access to your account information from ANYWHERE! Transfer funds between your Malaga Bank accounts, track CD balances and maturity dates, make loan payments, advance your line of credit, pay bills and much more. All this can be done anytime, anywhere, from any Internet connection.

Use key financial tools!
Malaga Online offers the capability to download your online statements directly to Quicken and QuickBooks.

Safe and Secure
Malaga Online allows you to bank with confidence via the Internet through a Secure Socket Layer (SSL) protocol which ensures that all data passed over the Internet is encrypted. Your account information is protected by SSL and your User ID and Password ensure that only you have access.


Bill Payer

It's quick, easy and FREE to all customers.

Pay bills anytime without writing or mailing checks with Malaga's Bill Payer. You can pay bills faster and easier for both one-time and recurring bills, and also store your bill information for use again the next month. For any future payments you only need to input the amount and the payment date.

A computer or electronic device with internet access is all you need! The Bill Payer service is available via Malaga Online.


E-Statements

Reduce paper clutter! Get statements faster! Go Green!

Sign-up to receive your statement electronically and reduce your paper clutter, help the environment and decrease the possibility of mail fraud and identity theft.

With an E-Statement you can view the same information online that appears on your existing paper statement. Once you register, an email notification will be sent when your statement is ready for viewing.

Access your account 24 hours a day from anywhere you have access to the internet. E-Statements are available online for up to 12 months.

It's easy to get started. If you are not already registered for Online Banking, now is the time to log in!

For questions and more information about receiving E-Statements, speak to a customer service representative today.


Mobile Banking

Malaga Online has gone mobile. In addition to being able to access your accounts online 24/7, you can now access them 24/7 from your mobile phone.

With Mobile Banking you can view account information from your web-enabled mobile phone, pay bills, make loan payments, transfer funds and search account history.

Mobile Banking offers security features such as:

  • Password protection and state-of-the-art encryption.
  • Privacy protection. No private data is stored on the mobile device.
  • User verification and authentication technology that ensure you are dealing with Malaga Bank when you use Mobile Banking.

Malaga MoneyPhone

Use the Malaga MoneyPhone from home, the office, a cellular phone, or anywhere else, anytime you need to…

  • Obtain your account balance
  • Know which deposits have posted
  • Know which checks have cleared
  • Transfer funds between accounts
  • Obtain information on your loan
  • Order a statement or re-order checks

The Malaga MoneyPhone gives you access to your account 24 hours-a-day, 7 days-a-week, free of charge.


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Certificates of Deposit

Account Name Minimum Deposit/Balance Deposits Withdrawals Term Features
Fixed Rate CD $1,000 No No (a) 32 Days - 5 Years Select term & interest rate based on amount to invest
IRA CD $1,000 No (c) No (b) 32 Days - 5 Years (excluding liquid accounts Traditional, Roth & Simplified Employee Pension Plans (SEP)

$25 Annual Trustee Fee
Jumbo CD $100,000 No No (a) 32 Days - 5 Years Competitive rates; elect term & interest rate based on amount to invest
Malaga Kids Account No Minimum Unlimited No (a) 1 Year Maximum age to open 17 years; no opening minimum; a free Malaga piggy bank to encourage savings!
3 Month Liquid CD $5,000 Unlimited Limited (d) 3 Months Allows flexibility; unlimited deposits
5 Month Liquid CD $5,000 Unlimited Limited (e) 5 Months Allows flexibility; unlimited deposits

a) Penalty for early withdrawal
b) Exception applies to Required Minimum Distribution (RMD)
c) Exception applies to Annual Contributions
d) 1 penalty-free withdrawal up to 50% of balance during each term (IRA funds excluded)
e) 2 penalty-free withdrawals up to $50,000 combined during each term (IRA funds excluded)

Certificates of Deposit

Malaga offers you the ability to select your own term and interest rate based on the amount you invest. You can choose a term as short as 32 days or as long as five years.

3 Month Liquid CD

This short term account pays certificate of deposit rates, allows unlimited deposits and the flexibility of one penalty free withdrawal of up to 50% of the balance during each term.

5 Month Liquid CD

This short term account pays certificate of deposit rates yet allows you the flexibility of unlimited deposits and two penalty free withdrawals of up to $50,000 combined during each term.

Malaga Kids CD

When you open a kids account, Malaga Bank will give you a piggy bank to get started.

Jumbo CD

This account is ideal for customers looking for a competitive rate on larger balances; available in terms from 32 days to 2 years.

Individual Retirement CD

We offer Traditional, Roth and Simplified Employee Pension Plans(SEP)

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Services

Malaga Bank offers convenient services to meet your personal banking needs.

Electronic Services…secure and convenient

  • Online Banking
  • E-Statements
  • Mobile Banking
  • 24 hour Telephone Banking
  • Bill Payer
  • Direct Deposit
  • ATM and VISA Debit Cards

Financial Services…valuable and affordable

  • Personal Loans
  • Overdraft Lines of Credit
  • Travelers Cheques
  • U.S. Savings Bond Redemption
  • Coupon Redemption
  • Wire Transfers
  • Telephone Transfers

Personal Banking Services…flexible and reliable

  • Safe Deposit Boxes
  • Notary Service
  • Medallion Signature Guarantee
  • Trust Deed Note Collection
  • Night Depository
  • Bank by Mail
  • Photocopying
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Deposit Calculators

These financial calculators require a small download for them to run. This download is safe and secure and only takes a few minutes of your time.

Click on the links below to access the following calculators:

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