Checking

Checking Accounts

JSB knows a checking account isn't necessarily about checks; it’s about convenient access to your money. Whether you write checks, use an ATM, or make your purchases with a Debit Card, we have a checking account to fit your needs.

All JSB checking accounts offer you the following great security and service features with a personal touch:


Smart Choice Rewards Checking

Earn interest by using your debit card and our online services.

  • Open today with a deposit of only $100
  • Monthly e-statements with check images
  • FREE Online Banking, Mobile Banking, & Bill Pay
  • Earns Premium Interest Rate
  • Overdraft Privilege Available*

Free Checking

If you’re looking for an account that gives you the benefits of both traditional checking and electronic banking, JSB’s Free Checking is the answer.

  • No monthly fees
  • Open an account today with just $100
  • Monthly eStatements with check images or paper statements without images.
  • FREE debit card
  • Overdraft privilege available*

Senior Checking

Enjoy a great checking account that features special perks for customers 55 years of age or greater.

  • FREE basic checks with direct deposit
  • No monthly fees
  • Open an account today with just $100
  • Monthly statements with check images
  • Overdraft privilege available*

Student Checking

Let JSB help simplify the financial challenges of being a student. The Student Checking account features convenient 24/7 access through Mobile banking and your Debit Card. Benefits available to students up to age 25

  • No monthly fees
  • Open today with a deposit of only $50
  • Monthly eStatements with check images
  • FREE debit card
  • Overdraft privilege available*
  • Refund up to $10 on foreign ATM fees

Premier N.O.W.

Premier N.O.W. Checking is for those of us who need the accessibility of electronic banking, with the perk of earning interest on your deposits.

  • Earn interest
  • FREE club checks (all you pay is shipping and handling)
  • Open an account today with just $100
  • No minimum balance required
  • Monthly eStatements with check images
  • FREE debit card
  • Overdraft privilege available*
  • $5 monthly service charge
  • Discount on Overdraft Fee, Money Orders, Wire Transfers and Safe Deposit Box rental.

N.O.W. Account

Enjoy a great checking account and earn interest too!

  • Open today with just $500
  • No monthly service fees if balance is maintained over $500
  • Interest bearing
  • Unlimited check writing
  • Monthly statements with check images
  • FREE debit card
  • Overdraft privilege available*

Money Market

A Money Market account gives you high-yielding returns, with the added convenience of check writing and 24-hour online banking access.

  • Earn more with high money market yields
  • Interest increases when your balance reaches: $10,000, and $50,000
  • Liquid access with no early withdrawal penalties
  • Unlimited teller transactions
  • Convenient Access - up to 3 checks per month
  • No monthly service fees if balance is maintained over $1,000
  • Open today with just $1,000

*See a customer service representative for complete details.


Debit Cards

Enjoy the convenience of a JSB MasterCard Debit Card with any of our Personal Checking accounts. Use your card online, at the ATM to withdraw cash while out of town or after hours, or while shopping around town.

  • Save money by eliminating check costs
  • Save the time and save the hassle of writing checks
  • Convenient access to cash at ATM’s throughout the country
  • Use your card around the world wherever Mastercard is accepted

You can use your debit card with no fee using our surcharge-free ATM networks.

We now have two surcharge-free ATM networks that allow you to use more than 27,000 ATMs nationwide for FREE! Click the links below to find an ATM near you.

prstatus moneypass

Instant Issue Debit Card

Receive your debit card before you leave the bank when you open your checking account. If you ever need a second card for another account holder or need to replace your card, you can get one instantly at our Jerseyville branch. No need to wait for it to arrive in the mail!