Online Banking

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Why We're Different

Morganton Savings Bank is Burke County’s only local financial Institution, serving our friends and neighbors since 1903. We are perennially ranked in the top 1% of institutions Nationwide for safety and soundness, a testament to our Conservative business principles and common sense. At Morganton Savings your money is always safe and sound.



Phishing: Important Notice

Morganton Savings will never initiate an email asking you to submit personal information via the internet. We warn you to protect your personal information and be cautious of any email that asks you for such information. For additional information click on the Security Info link.     Security Info



We offer interest bearing and noninterest bearing accounts. We require that you open the account with $100 or more. A monthly service charge of $8.00 will be imposed every statement cycle if the balance falls below $500.00 any one day of the statement cycle. You may avoid this charge by maintaining a $500.00 balance in any other account. Interest rates may change at our discretion, please call for current rates.

money market checking

Our money market account is an interest bearing account, requiring a $2,500.00 minimum balance.  You may make unlimited withdrawals in person.  There is a limit of six (6) transfers per statement cycle by pre-authorized or automatic transfer or by telephone or on-line banking.  If you exceed the limits you are allowed or if your balance falls below $2,500.00, your account will be converted to a regular checking account.


We offer a traditional savings account. We require the account to be opened with $50.00 or more. There is no service charge for an active savings account. Interest is compounded daily and posted to the account quarterly.


Morganton Savings Bank offers a variety of certificates of deposit with maturities that range from 1 year to 5 years. We offer a one time bump rate for our 3 and 5 year CD’s. Please call or come by our office for competitive interest rates. Interest is compounded daily and posted quarterly to your account. This is a flexible yet secure way to invest for your future.