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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:

Click to Compare our Accounts

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*

Click here for full account details

*See a customer service representative for complete details.

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*

*See a customer service representative for complete details.

Senior Checking

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

  • FREE senior checks (1 box per calendar year)
  • No monthly fees
  • Open an account today with just $100
  • Monthly statements with check images
  • Overdraft privilege available*

*See a customer service representative for complete details.

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 per statement cycle on foreign ATM fees

*See a customer service representative for complete details.

Premier N.O.W. Checking

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
  • FREE ID Theft Restoration service (for your household)
  • Overdraft privilege available*
  • $5 monthly service charge
  • Discount on Overdraft Fee, Money Orders, Wire Transfers and Safe Deposit Box rental.

*See a customer service representative for complete details.

N.O.W. Checking

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*

*See a customer service representative for complete details.

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.

Whether you’re starting a savings account for yourself or a family member, in need of a high yield liquid account, or just looking for CDs, you’ll find convenient access and competitive interest rates on all our savings accounts.

Many of our accounts offer tiered rates that help you earn even more as your balance grows.  The peace of mind that comes with knowing your funds are FDIC insured with no risk.

*must have checking account at JSB attached to the debit card also.

Compare Accounts

Personal Savings
  • Interest Rates increase with your balance with higher tiers at: $1,000, $10,000
  • Accessible 24/7 through Online Banking or ATM when combined with a JSB checking account
  • Make online transfers to and from your checking account with Online Banking
  • Open today with just $100
Student Savings
  • Accessible 24/7 through Online Banking or ATM when combined with a JSB checking account
  • Make online transfers to and from your checking account with Online Banking
  • Open today with just $25
  • No minimum balance required
First Rate Savings
  • Interest Rates increase with your balance with higher tiers at: $1,000, $10,000
  • Make online transfers to and from your checking account with Online Banking
  • Open today with just $10,000
  • Convenient Access – up to 3 withdrawals per quarter
  • No monthly service fees if balance is maintained over $1,000
  • Interest paid monthly
Christmas Club

Make it easy for yourself when the holidays come around with a JSB Christmas Club account. Save a little money every month by designating an amount of your choice, and have plenty available for your shopping needs when the time comes.  Open an account with as little as $10.00.

Your balances will grow safely until the shopping season arrives. Earnings are paid annually on October 31st. Have your funds automatically deposited into your checking account – just in time for the shopping season or receive a check for the balance of your Christmas Club account.

Certificates of Deposit (CDs)

Our rates are based on the term and other conditions. Terms range from 91 day – 60 month.

Loyalty CD Rates

Jersey State Bank customers earn more on their CDs with our Loyalty rates. Earn more if you have an established checking, savings or loan account with us.

Call today to talk with any one of our Customer Service Representatives about specials and interest rates today at 618-498-6466 or via email at JSBcustomerservice@jsbmail.com

*Please be aware email is not a secure method of communication. Do not use email to send us confidential or sensitive information such as passwords, account numbers or social security numbers. If you need to provide this type of information, contact us by phone, fax or regular mail.

Individual Retirement Accounts (IRAs)
Individual Retirement Accounts

It’s never too early to be thinking about retirement.  Whether your goal is higher education for your children or retirement for yourself, we offer a product to help you reach your goals.  If you have any questions, just give us a call or stop by one of our convenient locations.

We encourage you to contact your tax advisor to discuss your tax deductibility status when making retirement decisions.

Traditional

Our Traditional IRA allows you to defer taxes on your earnings until they are withdrawn. Certain contributions into this account are even tax deductible.

Roth

The major benefit of our Roth IRA is tax-free earnings growth.  If you expect to be in a higher tax bracket when you retire, our Roth IRA may be more beneficial to you.

Coverdell Education Savings Account

This education savings account is a non-deductible account that features tax-free withdrawals for a child’s education expenses.  Qualified higher education distributions from this account are penalty free and tax free.

IRA Rollover

If you have received a disbursement from a qualified plan, profit sharing, or have an IRA maturing at another financial institution, you can roll these funds into a Jersey State Bank IRA and maintain a tax-deferred status on the funds. The funds must be deposited within 60 days of receipt in order to defer taxes until retirement.

IRA Transfer

You can transfer your IRA from another institution directly to Jersey State Bank. Our employees will be happy to initiate an IRA transfer for you.

Opening an IRA Account

Stop by one of our convenient locations. Our employees will be happy to assist you in determining which IRA is right for you and open the account.

See how much you can save.

Use our free retirement calculator to discover how much you should be investing in an IRA now.

Retirement Calculator

No matter your Personal Banking needs, we appreciate your choice to bank with us and would like to offer all of our Personal Banking customers the following services in addition to any they may already have with us.

Personal Check Reorders

Safe Deposit Boxes

JSB understands how great peace of mind can be when it comes to your valuables and personal documents. We offer Safe Deposit Boxes in a variety of sizes to accommodate your needs. Any of our Customer Service Representatives can get you started with one today. Boxes are only available at Jerseyville location.

*Contents of Safe Deposit Boxes are not insured or guaranteed by the bank, the FDIC, or by any other government agency.

Night Depository

Enjoy the ease and convenience of our Night Deposit Boxes located at both bank locations. Make deposits after business hours and have them processed the next business day.

Lost or Stolen Debit Card

Report a debit card lost or stolen and immediately turn it off right from your phone all within our mobile banking app*.  Click on My Cards and Manage Card then Report Lost or Stolen Card it will then call 800-472-3272.

In the event your card is stolen or lost, please report the missing card immediately to avoid any unnecessary losses and so we can put a block on your card. Contact us during business hours at 618-498-6466 or 618-786-2311. After hours, you can call CARD SERVICES directly at 800-472-3272.

If fraud is suspected on your debit card, you will receive a phone notification.  Automated phone calls will come from (888)253-8962 or Text message alerts will come from 37268.  If you are unavailable, a voice message will be left asking you to call and verify the transaction. If there is no reply, they will put a temporary block on your card.

Notary Services

Need a Notary to assist you with important documents? At JSB we offer free Notary Services to our customers for your convenience.

Coin Counting

Whether it’s a jar of coins that you’ve saved for your rainy day fund or a large batch of coins from your business, we’re here to quickly count them for you with our coin counting machine. There’s no charge for JSB customers and it can be done during business hours at either branch.

Check out our new Self-Service Coin Machine at our Jerseyville branch!

Savings Bonds

You can now purchase Savings Bonds online through the secure TreasuryDirect.gov website. With Treasury Direct you can buy, manage and redeem Treasury securities online 24/7, from the convenience of home, work, or wherever you have secure Internet access.

  • In addition to savings bonds, you can buy and manage marketable Treasury securities: Treasury bills, notes, bonds and TIPS (Treasury Inflation-Protected Securities).
  • You can establish multiple registrations in one account.
  • You can set up a simple payroll savings plan to automatically invest in savings bonds.
  • You can schedule recurring purchases for savings bonds and marketable securities.
  • Your savings bonds purchases are generally added to your account in just one business day.
  • Since the securities are electronic, there is no paper to lose, and no need to go to a local financial institution to redeem them.
  • When the funds are needed, and after the minimum holding period has been reached, you can redeem part or all of your savings bonds. The payment will be deposited to your checking or savings account, and the funds should reach your financial institution in just one business day.
  • You can establish accounts for minor children and for specific purposes such as education or vacations.
  • You can view and print your account summary, including recent purchases, payments and account balance.
Switch Kit

We make switching easy!

We want to make your move to Jersey State Bank as easy as possible. That’s why we created this Switch Kit. The link below is everything you will need to close out your existing accounts and transfer your automatic deposits and withdrawals to your new account with Jersey State Bank!

Switch Kit

Switch Kit (fillable online)

Wire Transfer Instructions

Instructions for Incoming Wire Transfers

RECEIVING BANK:
Central Trust Bank
ABA Number: 086500634
238 Madison St
Jefferson City, MO 65101

SWIFT:  CTUSUS44

BENEFICIARY BANK:
081904468
Jersey State Bank
1000 S State St
Jerseyville, IL 62052-2356

BENEFICIARY NAME:
Jersey State Bank’s Customer Name
Customer’s Address
Customer’s Account Number

 

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 and Grafton branch. No need to wait for it to arrive in the mail!

 

Surcharge-Free ATMs

You can use your debit card with no fee using our surcharge-free ATM network.  We have a surcharge-free ATM network that allows you to use more than 32,000 ATMs nationwide for FREE! Click the links below to find an ATM near you.

Money Pass logo

Mastercard® Guide to Benefits for Consumer Debit Cardholders

Click to view the guide.  MasterCard Guide to Benefits as of 7-1-2019
To learn more, call Mastercard® Assistance Center at 1-800-627-8372 or en Español at 1-800-633-4466.

 

Fraud Detection

Jersey State Bank utilizes a fraud detection program to prevent unauthorized use of your Debit Card. The program tracks the type of transactions you usually perform with your Debit Card and then compares that behavior with each new transaction and characteristics of fraud. If something seems suspicious, you may be called at home or cell phone to verify the transaction.  Automated phone calls will come from (888)253-8962. If you are unavailable, a voice message will be left asking you to call and verify the transaction. If there is no reply, they will put a temporary block on your card. This program is for your protection as we try to eliminate Debit Card fraud.

If we have your cell phone number, you will receive a text alert when suspicious activity is detected on your JSB Debit Card.  Text message alerts will come from 37268.  If you receive a fraud alert, it is asking you if the transaction listed in valid (something you did).

  • If you reply YES (transaction is legitimate), you can continue using your card as normal.
  • If you reply NO (transaction is fraudulent), you will quickly receive a follow-up text notifying you that a Fraud Specialist will contact you very soon to help protect your account. We will automatically block your debit card to prevent further fraudulent transactions.
  • If you do not reply to the text, we will attempt to reach you via an automated voice call.

If you plan to use your Debit Card to purchase expensive items that are not typical of your card use, please contact the bank to notify us.  618-498-6466 or 618-786-2311.

 

Traveling Soon?

Contact the bank if you plan to use your Jersey State Bank Debit Card while traveling in the US or out of the country. Due to fraud concerns, many foreign countries or out of state transactions may be declined if we were unaware of your plans.  Please complete our Travel Notice with the dates and places you will be traveling so we can place you on an exception list.