Maggie Walker
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Maggie Lena (née Draper Mitchell) Walker (July 15, 1864 – December 15, 1934) was an American businessperson and teacher. In 1903, Walker became both the first African-American woman to charter a bank and the first African-American woman to serve as a bank president. As a leader, Walker achieved successes with the vision to make tangible improvements in the way of life for African Americans. Disabled by paralysis and a wheelchair user later in life, Walker also paved the way for people with disabilities. Along with her leadership of the Independent Order of St. Luke, Maggie Walker was also involved with the
NAACP The National Association for the Advancement of Colored People (NAACP) is an American civil rights organization formed in 1909 as an interracial endeavor to advance justice for African Americans by a group including W. E. B. Du&nbs ...
,
The National Association of Colored Women The National Association of Colored Women's Clubs (NACWC) is an American organization that was formed in July 1896 at the First Annual Convention of the National Federation of Afro-American Women in Washington, D.C., United States, by a merger of ...
, the
National Urban League The National Urban League (NUL), formerly known as the National League on Urban Conditions Among Negroes, is a nonpartisan historic civil rights organization based in New York City that advocates on behalf of economic and social justice for Afri ...
and
National Negro Business League The National Negro Business League (NNBL) was an American organization founded in Boston in 1900 by Booker T. Washington to promote the interests of African-American businesses. The mission and main goal of the National Negro Business League w ...
, and the United Order of Tents. Walker's restored and furnished home in the historic
Jackson Ward Jackson Ward, previously known as Central Wards, is a historically African-American district in Richmond, Virginia, with a long tradition of African-American businesses. It is located less than a mile from the Virginia State Capitol, sitting ...
neighborhood of
Richmond, Virginia Richmond ( ) is the List of capitals in the United States, capital city of the Commonwealth (U.S. state), U.S. commonwealth of Virginia. Incorporated in 1742, Richmond has been an independent city (United States), independent city since 1871. ...
has been designated a National Historic Site, operated by the
National Park Service The National Park Service (NPS) is an List of federal agencies in the United States, agency of the Federal government of the United States, United States federal government, within the US Department of the Interior. The service manages all List ...
.


Childhood

Maggie Lena Draper was born on July 15, 1864, the daughter of Elizabeth Draper and Eccles Cuthbert. Her mother, a former slave, was an assistant cook at the Van Lew estate in Church Hill of
Richmond, Virginia Richmond ( ) is the List of capitals in the United States, capital city of the Commonwealth (U.S. state), U.S. commonwealth of Virginia. Incorporated in 1742, Richmond has been an independent city (United States), independent city since 1871. ...
, where she met Cuthbert, an Irish American journalist for the ''
New York Herald The ''New York Herald'' was a large-distribution newspaper based in New York City that existed between 1835 and 1924. At that point it was acquired by its smaller rival the '' New-York Tribune'' to form the '' New York Herald Tribune''. Hi ...
'', based in Virginia. There is no record of a marriage between Draper and Cuthbert. Draper was employed by
Elizabeth Van Lew Elizabeth Van Lew (October 12, 1818 – September 25, 1900) was an American abolitionist, Southern Unionist, and philanthropist who recruited and acted as the primary handler of an extensive spy ring for the Union Army in the Confederate ca ...
, an abolitionist and philanthropist who had been a spy for the Union during the
Civil War A civil war is a war between organized groups within the same Sovereign state, state (or country). The aim of one side may be to take control of the country or a region, to achieve independence for a region, or to change government policies.J ...
(1861–1865) in the
Confederate A confederation (also known as a confederacy or league) is a political union of sovereign states united for purposes of common action. Usually created by a treaty, confederations of states tend to be established for dealing with critical issu ...
capital city of Richmond. Draper married William Mitchell, a butler at the Van Lew estate, soon after Maggie Walker's birth. In 1870, Maggie's half-brother, Johnnie Mitchell was born to Elizabeth and William Mitchell. After William Mitchell became headwaiter at the Saint Charles Hotel, the Mitchell family moved to their own home on College Alley off Broad Street, near Miss Van Lew's home, where Walker and her half-brother Johnnie were raised. The house was near the First African Baptist Church which, like many black churches at the time, was an economic, political, and social center for the local black community. After the untimely death of William Mitchell, Walker's mother supported her family by working as a laundress. Walker attended the newly formed
Richmond Public Schools Richmond Public Schools is a public school district located in the independent city of Richmond, Virginia. It is occasionally described locally as Richmond City Public Schools to emphasize its connection to the independent city rather than the ...
and helped her mother by delivering clean clothes. When she was fourteen years old, Walker joined the local council of the Independent Order of St. Luke. This fraternal organization was originally established as a burial society in 1867 in
Baltimore Baltimore is the most populous city in the U.S. state of Maryland. With a population of 585,708 at the 2020 census and estimated at 568,271 in 2024, it is the 30th-most populous U.S. city. The Baltimore metropolitan area is the 20th-large ...
, Maryland by Mary Prout. The Independent Order of St. Luke ministered to the sick and aged, promoted humanitarian causes, and provided long-term economic and social support in the post-slavery, Reconstruction-era United States by acting cooperatively to provide African Americans with access to education, healthcare, banking, and insurance, among other services. Walker graduated from the
Richmond Colored Normal School Armstrong High School, part of the Richmond Public Schools, is a high school located in Richmond, Virginia, United States, with grades 9–12. The school was founded in 1867 as the Richmond Normal and High School by the Freedmen's Bureau and was ...
in 1883, part of the segregated Richmond public school system. The black students were to receive diplomas in a church, while white students would walk in a theater. The black seniors protested at the split graduation and the choice of a church as their venue, and their principal informed them they could only combine events if seating was segregated. The students decided to graduate from their school's auditorium, and attendee
Wendell Dabney Wendell Phillips Dabney (4 November 1865, in Richmond, Virginia – 3 June 1952, in Cincinnati) was an influential civil rights organizer, author, and musician as well as a newspaper editor and publisher in Cincinnati, Ohio. He wrote various books ...
claimed that this was "the first school strike of Negroes in America." Ten students graduated from the Richmond Colored Normal School that year, including Walker, Dabney, and businessperson
Mary Burrell Mary Elizabeth Cary Burrell (August 1865 – ) was an American educator and businessperson. She is known for being a school teacher and for working for causes like women's suffrage. Early life Burrell was born in August 1865 in Richmond, Virgini ...
.


Teaching career

After graduating high school, she taught for three years at her former school, the Valley School, also known as the
Lancasterian School The Monitorial System, also known as Madras System, Lancasterian System/Lancasterism or the Bell System of Instruction, was an education method that took hold during the early 19th century, because of Spanish, French, and English colonial education ...
for a wage of thirty-five dollars a month. Her employment ended once she was married, in accordance with school policy against employing married women.


Women's Union

While working at Valley School, she also worked part-time as an insurance agent with the Woman's Union and took night classes in accounting. The Woman's Union (WU) was a cooperative organization of women engaged in businesses to meet the needs of Richmond Virginia's black community.


Independent Order of St. Luke

After leaving her teaching position in 1886, Walker devoted herself to the Order and rose steadily through its ranks. She served in numerous capacities of increasing responsibility for the Order, from that of a delegate to the biannual convention to the top leadership position of Right Worthy Grand Secretary in 1899. Walker saved the Independent Order of St. Luke from the brink of collapse after the financial mismanagement of its previous leader, William Forester, doubling the number of members within her first year at the top. Walker's social change activities with the Independent Order of St. Luke demonstrated her keen consciousness of oppression and her dedication to challenge racial and gender injustice. A pioneering insurance executive, financier and civic icon, she established the Juvenile Branch of the Order in 1895 while serving as grand deputy matron.E. B. Brown, Womanist Consciousness: Maggie Lena Walker and the Independent Order of Saint Luke, Signs, 14, 3 (1989), 610–633; Gertrude Woodruff Marlowe, A Right Worthy Grand Mission: Maggie Lena Walker and the Quest for Black Empowerment (Washington, DC: Howard University Press, 2003). This branch encouraged education, community service, and thrift in young members. Maggie L. Walker served as the leader of the order until her death in 1934. Soon after, Walker's daughter-in-law, Harriet N. F. Walker, took over her position and led the order until 1957.


''The St. Luke Herald''

In a 1901 speech at the convention for the Independent Order of St. Luke, Walker proposed that the order should create a newspaper for publicizing its actions. In March 29, 1902, she published the first issue of ''The St. Luke Herald,'' a newspaper for the organization. She was motivated by the need to draw attention to black issues in the community and increase communication for the Order. The first issue decried Jim Crow laws, a discriminatory justice system, and the restriction of public school privileges. The paper included a section for children, letting them publish letters to "The St. Luke Grandmother" and publishing her advice. Walker was the journal's editor for over 30 years. The newspaper began as a weekly publication, edited and printed from the order's office headquarters. By 1916, it had 4,000 subscribers, and by 1929 it became Richmond's most popular black weekly newspaper, surpassing the ''
Richmond Planet ''The Richmond Planet'' was an African American newspaper founded in 1882 in Richmond, Virginia. In 1938, it merged with the '' Richmond Afro-American''. History The paper was founded in 1882 by thirteen former slaves - James H. Hayes, James ...
'' with 30% of black families in Richmond subscribed to the ''Herald''. The paper suffered due to the
Great Depression The Great Depression was a severe global economic downturn from 1929 to 1939. The period was characterized by high rates of unemployment and poverty, drastic reductions in industrial production and international trade, and widespread bank and ...
, adapting to become the monthly ''St. Luke Fraternal Bulletin'' and decreasing its journalism. National black weekly newspapers like the ''
Chicago Defender ''The Chicago Defender'' is a Chicago-based online African-American newspaper. It was founded in 1905 by Robert S. Abbott and was once considered the "most important" newspaper of its kind. Abbott's newspaper reported and campaigned against Jim ...
'' and the ''
Norfolk Journal and Guide The ''New Journal and Guide'' is a regional weekly newspaper based in Norfolk, Virginia, and serving the Hampton Roads area. The weekly focuses on local and national African-American news, sports, and issues and has been in circulation since 19 ...
'' filled a similar role in journalism and activism for the ensuing decades.


Establishment of the St. Luke Penny Savings Bank

In 1903, Walker chartered the St. Luke Penny Savings Bank. She wanted to help finance black home ownership and turn saved cents into dollars for black people. Walker served as the bank's first president, which earned her the recognition of being the first African-American woman to charter a bank in the United States. Charles Thaddeus Russell was Richmond's first black architect and he designed the building for Walker. The St. Luke Penny Savings Bank's leadership also included several female board members. Walker provided children's savings initiatives through the bank, giving children in Richmond's Jackson Ward cardboard boxes for saving pennies. She let them open bank accounts when they had saved a dollar, and claimed that many had saved $100–400 during this time. By 1920, Walker claimed that the bank had helped 645 black families completely pay off their homes. Walker was bank president through two mergers, retiring to chairman of the board of directors due to poor health in 1932. Eventually, the bank was renamed to The Consolidated Bank and Trust Company, which grew to serve generations of Richmonders as an African-American owned institution.


Community involvement

Walker volunteered for a number of organizations related to education and racial equality. She established and maintained a Community House in Richmond, helped recruit and keep a visiting nurse, and advised the Piedmont Sanitorium for black people with
tuberculosis Tuberculosis (TB), also known colloquially as the "white death", or historically as consumption, is a contagious disease usually caused by ''Mycobacterium tuberculosis'' (MTB) bacteria. Tuberculosis generally affects the lungs, but it can al ...
in
Burkeville, Virginia Burkeville is an incorporated town in Nottoway County, Virginia, Nottoway County, Virginia, United States. The population was 432 at the 2010 census. The source of the town name is disputed. The town is located at the crossroads of U.S. routes U ...
. She handled the funds for the National League of Republican Colored Women and participated in women's suffrage and voter registration campaigns, and helped form the Virginia Lily-Black Republican Party. She ran unsuccessfully for Virginia's superintendent of public instruction at one point. Walker served in many other organizations: * Council of Colored Women (founder, president) * NAACP Richmond Branch (cofounder) * Negro Organization Society of Virginia (vice-president) *
NAACP The National Association for the Advancement of Colored People (NAACP) is an American civil rights organization formed in 1909 as an interracial endeavor to advance justice for African Americans by a group including W. E. B. Du&nbs ...
(board member) *
National Urban League The National Urban League (NUL), formerly known as the National League on Urban Conditions Among Negroes, is a nonpartisan historic civil rights organization based in New York City that advocates on behalf of economic and social justice for Afri ...
(board member) * Virginia Interracial Committee (board member) * State Federation of Colored Women * International Council of Women of the Darker Races *
National Association of Wage Earners The National Association of Wage Earners was an organisation which sought to standardize and improve living conditions for women, particularly migrant workers. The organisation operated a mail-order clothes factory, and was headquartered in Washi ...
*
National Association of Colored Women's Clubs The National Association of Colored Women's Clubs (NACWC) is an American organization that was formed in July 1896 at the First Annual Convention of the National Federation of Afro-American Women in Washington, D.C., United States, by a merger of ...
(executive committee)


Personal life

On September 14, 1886, in Richmond, she married Armstead Walker Jr. (1860–1914), a brick contractor. She spoke of her views on marriage:
"And since marriage is an equal partnership, I believe that the woman and the man are equal in power and should by consultation and agreement, mutually decide as to the conduct of the home and the government of the children"
They adopted a daughter, Polly Anderson, and had three sons: Russell Eccles Talmadge Walker born in 1890; Armstead Mitchell Walker born in 1893, but died seven months later; and Melvin DeWitt Walker who was born in 1897. The Walkers purchased a home in 1904 at 110 East Leigh Street, within the African-American
Jackson Ward Jackson Ward, previously known as Central Wards, is a historically African-American district in Richmond, Virginia, with a long tradition of African-American businesses. It is located less than a mile from the Virginia State Capitol, sitting ...
neighborhood of Richmond. It was enlarged over the years to accommodate their children's families. In 1907 Walker fell on her front steps, damaging nerves and tendons in her knees. She suffered severe pain as a result and spent much of her last decade at home. In 1928 she used a caned wheelchair, adding a hand-operated elevator to her home, and modifying a 1929 eight-seat Packard to fit the chair. On June 20, 1914, Walker's son, Russell Walker, at age , shot and killed his father, Armstead. Russell had mistaken Armstead for a burglar, for whom both he and his father had been searching. Russell was arrested and charged with murder and, after five months awaiting trial, was declared not guilty. The loss left Walker to manage a large household. Her work and investments kept the family comfortably situated. Walker loved to entertain, and during this time, Walker still frequently invited black business, civic, and social leaders to dine at her house. Visitors included
W.E.B. Du Bois William Edward Burghardt Du Bois ( ; February 23, 1868 – August 27, 1963) was an American sociologist, socialist, historian, and Pan-Africanist civil rights activist. Born in Great Barrington, Massachusetts, Du Bois grew up in a relativel ...
,
Langston Hughes James Mercer Langston Hughes (February 1, 1901 – May 22, 1967) was an American poet, social activist, novelist, playwright, and columnist from Joplin, Missouri. An early innovator of jazz poetry, Hughes is best known as a leader of the Harl ...
, and
Mary McLeod Bethune Mary McLeod Bethune (; July 10, 1875 – May 18, 1955) was an American educator, Philanthropy, philanthropist, Humanitarianism, humanitarian, Womanism, womanist, and civil rights activist. Bethune founded the National Council of Negro Women in ...
. Russell never recovered from his father's death, and after eight years battling depression and alcoholism, died November 23, 1923. After Russell's death, his wife Harriet, or Hattie, and their daughter Maggie Laura Walker, moved in with Maggie Walker in Richmond. Hattie became a trusted advisor to Maggie within the Independent Order of St. Luke, quickly moving up the ranks. Walker died December 15, 1934. The cause of death on her death certificate was diabetes gangrene. Walker was inducted as an Honorary Member of the Nu Chapter of
Zeta Phi Beta Zeta Phi Beta Sorority, Inc. () is a historically African American sorority. In 1920, five women from Howard University envisioned a sorority that would raise the consciousness of their people, encourage the highest standards of scholastic achi ...
sorority at the chapter's first meeting in 1926.


Legacy

In 1905, Walker was featured alongside other African-American leaders such as
Mary Church Terrell Mary Terrell (born Mary Church; September 23, 1863 – July 24, 1954) was an American civil rights activist, journalist, teacher and one of the first African-American women to earn a college degree. She taught in the Latin Department at the M St ...
, T. Thomas Fortune, and
George Washington Carver George Washington Carver ( 1864 – January 5, 1943) was an American Agricultural science, agricultural scientist and inventor who promoted alternative crops to cotton and methods to prevent soil depletion. He was one of the most prominent bla ...
, in a poster titled "101 Prominent Colored People". Walker received an honorary master's degree from
Virginia Union University Virginia Union University is a Private university, private Historically black colleges and universities, historically black university in Richmond, Virginia. History The American Baptist Home Mission Society (ABHMS) founded the school as Rich ...
in 1925, and became a trustee there in 1931. She also served as trustee to the National Training School in Washington D.C. She was inducted into the
Junior Achievement JA (Junior Achievement) Worldwide is a global non-profit youth organization. It was founded in 1919 by Horace A. Moses, Theodore Vail, and Winthrop M. Crane. JA works with local businesses, schools, and organizations to deliver experiential ...
U.S. Business Hall of Fame The Global Business Hall of Fame, powered by JA Worldwide, was established by Junior Achievement in 1975 as the U.S. Business Hall of Fame, the result of an idea by Willard F. Rockwell, Jr. (former chairman and CEO of Rockwell International) and ...
in 2001. Walker's image was included in the 1945 painting '' Women Builders'' by William H. Johnson as part of his ''Fighters for Freedom'' series. In Walker's honor, Richmond Public Schools built a large brick high school adjacent to Virginia Union University. Maggie L. Walker High School was one of two schools in the area for black students during the
Jim Crow The Jim Crow laws were state and local laws introduced in the Southern United States in the late 19th and early 20th centuries that enforced racial segregation, " Jim Crow" being a pejorative term for an African American. The last of the ...
era; the other was Armstrong High School. Generations of students spent their high-school years at the school. It was totally refurbished to reopen in 2001 as the regional Maggie L. Walker Governor's School for Government and International Studies. The St. Luke Building held the offices of the Independent Order of St. Luke, and the office of Maggie L. Walker. Walker's daughter-law, Harriet N. F. Walker, honored Maggie Walker's memory and worked to preserve her legacy. As late as 1981, Walker's office was preserved as it was at the time of her death in 1934. The building was listed on the
National Register of Historic Places The National Register of Historic Places (NRHP) is the Federal government of the United States, United States federal government's official United States National Register of Historic Places listings, list of sites, buildings, structures, Hist ...
in 1982. The National Park Service operates the Maggie L. Walker National Historic Site at her former
Jackson Ward Jackson Ward, previously known as Central Wards, is a historically African-American district in Richmond, Virginia, with a long tradition of African-American businesses. It is located less than a mile from the Virginia State Capitol, sitting ...
home. In 1978 the house was designated a National Historic Site and was opened as a museum in 1985. The site states that it "commemorates the life of a progressive and talented African-American woman. She achieved success in the world of business and finance as the first woman in the United States to charter and serve as president of a bank, despite the many adversities. The site includes a visitor center detailing her life and the
Jackson Ward Jackson Ward, previously known as Central Wards, is a historically African-American district in Richmond, Virginia, with a long tradition of African-American businesses. It is located less than a mile from the Virginia State Capitol, sitting ...
community in which she lived and worked and her residence of thirty years. The house is restored to its 1930s appearance with original Walker family pieces." The National Park Service summarizes Walker's legacy with the statement: "Through her guidance of the Independent Order of St. Luke, Walker demonstrated that African American men and women could be leaders in business, politics, and education during a time when society insisted on the contrary." Walker was honored in 2000 as one of the first group of
Virginia Women in History Virginia Women in History was an annual program sponsored by the Library of Virginia that honored Virginia women, living and dead, for their contributions to their community, region, state, and nation. The program began in 2000 under the aegis of t ...
celebrated at the
Library of Virginia The Library of Virginia in Richmond, Virginia, is the library agency of the Commonwealth of Virginia. It serves as the archival agency and the reference library for Virginia's seat of government. The Library is located at 800 East Broad Street, tw ...
. On July 15, 2017, a statue of Walker, designed by Antonio Tobias Mendez, was unveiled at the Maggie L. Walker Memorial Plaza on Broad Street in Richmond. The ''
Washington Post ''The Washington Post'', locally known as ''The'' ''Post'' and, informally, ''WaPo'' or ''WP'', is an American daily newspaper published in Washington, D.C., the national capital. It is the most widely circulated newspaper in the Washington m ...
'' noted that the bronze, 10-foot statue depicts Walker "as she lived—her glasses pinned to her lapel, a checkbook in hand." In 2020, Walker was one of eight women achievers featured in "The Only One in the Room" display at the Smithsonian
National Museum of American History The National Museum of American History: Kenneth E. Behring Center is a historical museum in Washington, D.C. It collects, preserves, and displays the heritage of the United States in the areas of social, political, cultural, scientific, and m ...
.


Notes


References


Further reading

* * *


External links

*
NPS Maggie L. Walker National Historic Site website


:* ttps://www.youtube.com/user/MaggieWalkerNPS/videos Maggie L. Walker Videos on Youtubebr>Maggie L. Walker Governor's School for Government and International Studies website
Archived webpage from June 17, 2006. *Norwood, Arlisha
"Maggie Walker"
National Women's History Museum. 2017. {{DEFAULTSORT:Walker, Maggie L. 1864 births 1934 deaths 19th-century American businesspeople 19th-century American businesswomen 20th-century African-American businesspeople 20th-century African-American women 20th-century American businesspeople 20th-century American businesswomen Activists from Virginia African-American activists African-American bankers African-American founders African-American history of Virginia American bankers American business executives American women bankers American women business executives American women founders Businesspeople from Richmond, Virginia