Access Your Accounts
JSB Locations
Checking Accounts
Checking Accounts |
Premier |
N.O.W. |
Money Market |
Free Student |
Free |
Free Senior |
Opening Deposit |
$100 |
$500 |
$1,000 |
$25 |
$100 |
$100 |
Interest Bearing |
Yes |
Yes |
Yes |
- |
- |
- |
Minimum Balance |
No minimum |
$500 |
$1,000 |
No minimum |
No minimum |
No minimum |
Monthly Maintenance Fee |
$4.00 |
< $500 = $7.50 |
<$1000 = $7.50 |
Free |
Free |
Free |
Overdraft Privilege* |
Available |
Available |
Not Available |
Available |
Available |
Available |
Checks |
Free Club Checks - only pay $3 s/h |
Varies |
Money Market checks available |
Varies |
Varies |
Basic Checks Free with Direct Deposit |
ATM/Debit Card |
Free |
Free |
Not available |
Free |
Free |
Free |
Statement Options |
Paper or E-Statements |
Paper or E-Statements |
Paper or E-Statements |
Paper or E-Statements |
Paper or E-Statements |
Paper or E-Statements |
Internet Banking & Telephone Banking |
Free |
Free |
Free |
Free |
Free |
Free |
Bill Pay* |
Free with E-Statements or $3.95/mo. |
Free with E-Statements or $4.95/mo. |
Not available |
Free with E-Statements or $4.95/mo. |
Free with E-Statements or $4.95/mo. |
Free with E-Statements or $4Free with E-Statements or $4.95/mo. |
Additional Info |
Discount on Overdraft Fees, Wire Transfers, Money Orders, Safe Deposit Box |
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Additional Fees
-
Check Printing Depends on Style of Checks Ordered
-
Stop Payment for Check or ACH (one instance),
$20.00
-
Stop Payment for Range of 2 or more checks (one
instance), $30.00
-
Stop Payment for Generic ACH - must have Payee or
Amount
(one instance), $30.00
-
Revoke ACH / POS - must have Payee and Amount
(multiple instances), $20.00
-
Insufficient Check (per item), $20.00
-
Checks Paid in Overdraft (per item), $20.00
-
Wire Transfers - incoming (per item), $20.00
-
Wire Transfers - outgoing (per item), $25.00
-
Response to Levy / Garnishment, $35.00
-
Collection Items (in/out), $20.00
-
ATM/Debit Card Replacement Fee (per card), $5.00
-
Transcript Statement (special statement with
images), $5.00
-
Regular Statement (no images), $3.00
-
Research & Reconciliation (per hour), $25.00
-
Early Account Closing Fee (within 90 days of
opening), $15.00
-
Dormant Account Fee (if average balance is less
than $100), $5.00
-
Checking Accounts are classified as dormant after 12
months without a deposit or withdrawal.
-
Savings Accounts are classified as dormant after
24
months without a deposit or withdrawal.
ATM
-
Deposits $0.00
-
Balance Inquiries $0.00
-
Withdrawal $0.00
-
Foreign ATM Fees $ **
** Notice regarding ATM fees by others: If you use an Automated Teller
Machine that is not operated by us, you may be charged a fee by the
operator of the machine and/or by an automated transfer network.
(The Bank's primary trade area is Jersey County, Illinois; however,
applications in surrounding Illinois and Missouri counties will be considered.)