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Local decisions by your local bank

Serving our friends and neighbors since 1903


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"We are big enough to serve you, yet small enough to know you."

Welcome to Morganton Savings Bank!

Morganton Savings Bank is Burke County’s only local financial Institution, serving our friends and neighbors since 1903. With some of the strongest levels of capital in the nation and conservative and prudent business practices, Your money is always safe and sound with us.


In consideration of the health and safety of our customers and staff, beginning Thursday, March 26, 2020 our lobby will be open by appointment only.  We take this measure due to directives from State and Federal regulatory agencies.  We will maintain our regular business hours so please utilize our drive-thru for your routine transactions.  Should you need to schedule an appointment call us at 828-437-1426.



Important Notice: Find out how we are responding to the coronavirus.

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The U.S. Secret Service’s Global Investigative Operations Center released an alert warning of the increase in COVID-19 stimulus scams.  These fraudsters pose as U.S Treasury officials and contact potential victims through texts or emails directing them to a website to register to receive a stimulus check. The websites are designed to collect victims’ personally identifiable information, bank account information, email addresses, passwords and more.

The Secret Service expects these and similar frauds to increase over the next several weeks.  Maintain increased vigilance when providing information through a website. The agency reminds the public that official stimulus/relief information regarding COVID-19 will never be sent via text message or on any other messaging platforms.  Consumers seeking information about the stimulus/relief program should contact the specific government agency only through its website for guidance. Do not click on links in text messages or emails.


  • Don't respond to texts, emails or call about checks from the government. Information regarding your payment status can be found at the IRS's Economic Impact Payments Information Page.

  • Ignore online offers for vaccinations and home test kits.  There are no proven treatments or approved home tests available at this time.

  • Hangup on robocalls.  Scammers are using illegal robocalls to pitch everything from low-priced health insurance to work-at-home schemes.

  • Only use official sites to get the latest information on COVID-19.

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 Information link under the About Us tab above.

Mobile Deposit Awareness