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JSB Locations

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

Wal-Mart Banking Office
1316 South State Street
Jerseyville, IL 62052
Phone: (618) 639-2265

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 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          

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.)

Jersey State Bank. Member FDIC. Equal Housing Lender.  

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