1 /5 Mark Hollingsworth: REALLY disappointed with this bank. Magnolia penalizes their new customers right from the get-go. New customer deposits are held for 9 days even if youre deposit check is on a local bank that funds can be verified by telephone, but this bank wont do that but rather sit on your funds in their general account accruing interest. If you call customer service, youll speak with voice mail and your call / message wont be returned and youll be forced to call again in a day or so only to be greeted with voice mail once again. (Happened three times in a week). It seems that if one employee is out sick than the whole bank branch (Milledgeville) comes to a stop business or customer service wise and the customer service rep that you do speak with one day is no longer employed the next. I dislike huge corporate banks and wanted to do business with a small local bank, but Magnolia is hamstrung by their own policies and employees. The Red flags were apparent when I had to wait for 30 minutes prior to opening a new checking account due to employees being out to lunch at 2:00 pm in the afternoon but the customer service rep Macy was pleasant, so I overlooked it at the time. One-week later Macy is no longer employed @ Magnolia dooming any hope of continuity that I could have had representative wise at this bank. Ill be cashing out of Magnolia and going elsewhere.