Jersey State Bank

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JSB Locations

Main Office
1000 South State Street
Jerseyville, IL 62052
Phone: (618) 498-6466

Grafton Banking Office
14 East Main Street
Grafton, IL 62037
Phone: (618) 786-2311

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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	None	None	None
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 or 50% off checks of your choice
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 $4.95/mo.
Additional Info	Discount on Overdraft Fees, Wire Transfers, Money Orders, Safe Deposit Box

Additional Fees

updated as of January 2010
Check printing depends on style of checks ordered
Stop Payment for Check or ACH (in person or on phone), $25.00
Stop Payment for Check or ACH (through Internet Banking), $15.00
Stop Payment for Range of 2 or more checks (in person or on phone), $30.00
Stop Payment for Range of 2 or more checks (through Internet Banking), $20.00
Revoke ACH / POS - must have Payee and Amount (multiple instances), $25.00
Insufficient Check (per item), $25.00
Items paid within approved overdraft privilege limit created by checks, ACH or other electronic recurring payment (per item), $25.00
Wire Transfers - incoming/outgoing (per item), $25.00
Response to Levy / Garnishment, $50.00
Collection Items (in/out), $20.00
ATM/Debit Card Replacement Fee (per card), $10.00
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 per month
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 $ **

* In order to have Free Bill Pay you must enroll for E-Statements. $3.95 or $4.95 per month charge includes up to 10 bills paid per month.

** 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.)