In a perfect world, you wouldn't need access to your accounts at all hours. But the truth is, life is complicated, things don't always go the way you want, and you need your Credit Union to be there for you anytime - even in the middle of the night. With these services, you can rest easy knowing you're never alone again. We're here to help whenever you need us.

Mobile Banking


Mobile Banking is Magnolia Federal Credit Union's FREE service that gives you true, on-the-go access to your accounts letting you manage your money from your cell phone or web enabled mobile device.

To use Mobile Banking, you must have a NetTeller Online Banking ID and password. If you are not signed up for NetTeller Online Banking, click here and click the "Not at User? Click here to enroll" link or email a Member Service Representative at

Magnolia's Mobile Banking service features several different platforms:

Mobile Web--type on your web enabled mobile device

iPhone App--download the FREE "Magnolia FCU Mobile Banking" App from Apple's App Store

Blackberry Shortcut--type on your web enabled Blackberry and click "download"

Android-- Magnolia FCU Mobile Banking is available to android users in the Play Store

Text Banking (SMS-based)--To use Text Banking, you must register your mobile phone number associated with your account. Click here to register your mobile phone.

NEW Mobile Check Deposit-- deposit checks from anywhere using our new Sprig App, available for iPhone and Android. Visit to learn more.

NEW P2P Payments - Have you ever wanted to send money to a friend or family member in the simplest, quickest way possible? With just their name, credit union and email address or mobile number, you can send money online or with your mobile device using Sprig. Download Sprig to your Iphone or Android mobile device or visit to learn more.


With Mobile Web, Blackberry Shortcut, and iPhone App you can:

  • Check balances and review transaction history on checking, savings and loans
  • View cleared checks
  • Transfer funds between your Magnolia accounts
  • Make loan payments
  • Advance your line-of-credit
  • Find Magnolia branch locations, ATMs and Share Branches
  • Review Magnolia's current rates


While there is no fee to use Magnolia's Mobile Banking service, you may be charged access or text message fees depending on your service plan. Check with your mobile service provider for details on specific fees and charges.

Text Message Commands

The following text message services are available:

Mag Bal - for balances for each open share account

Mag Hist - for the last 3 transactions for each open share account

Mag Holds - for current holds on your checking account

Mag CMD - for a list of available commands

Mag STOP - to unsubscribe from the text message service

Once you've registered your cell phone, simply send your choice of commands above to '21443' for up-to the-minute account information.


Mobile Banking is brought to you in partnership with MShift, Inc (, and allows access to your Magnolia account from any web-enabled mobile device. Mobile Banking requires the same secure login information that is used to login to Online Banking. PIN numbers are never stored at any stage. Your data is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway, MShift's servers, and Magnolia's web servers is encrypted using the Secure Socket Layer (SSL) layer. Mobile Banking has a built-in Session Time-Out after 5 minutes of user inactivity. This prevents someone from picking up a Magnolia member's wireless device and accessing their accounts if they forget to logout from their previous session.

    All terms and Conditions applicable to Online Banking apply to use of Mobile Web.