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Personal 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*
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.
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.
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.