Personal Checking Accounts

Get to know all our checking accounts to be sure you have the best mix of financial features for your needs.

JBT Freedom Checking

Enjoy freedom from minimum balance requirements while you take advantage of unlimited check writing.


Differentiating Features (Standard Features)

  • No minimum balance requirements
  • Does not earn interest

JBT eWards Checking

eWards yourself with one of the best checking deals around!


Differentiating Features (Standard Features)

  • No minium balance requirements
  • 1.00% APY up to $20,000 or 0.02% APY if qualifications not met1

Qualifiications: Choose eStatements and pay 1 bill and make 20 debit card transactions each statement cycle.

Premier Checking

Premier Checking offers a smart combination of tiered interest-earning power and easy access to funds.


Differentiating Features (Standard Features)

  • $2,500 minimum aggregate JBT deposit balance to avoid monthly service fee
  • Up to 0.50% additional interest on CDs with aggregate JBT deposit balance of $7,5004
  • One FREE box of any standard wallet-style checks6 per rolling 12 month period
  • Discount on any size safe deposit or express box (if available)

Prestige Checking

Take advantage of dependable interest plus special features designed for those who deserve a little more 'prestige.'


Differentiating Features (Standard Features)

  • No minimum balance requirements
  • Up to 0.50% additional interest on CDs with aggregate JBT deposit balance of $7,5004
  • One FREE box of any standard wallet-style checks6 per rolling 12 month period
  • Discount on any size safe deposit or express box (if available)

Qualifications: For customers age 50 or better.

Compare Personal Checking Accounts

Account Min Bal Balance for Interest Rate Requirements Benefits
JBT eWards Checking None $0.01 - $20,000
$20,000 and up
1.00%1 (Tier 1)
0.02% (Tier 2)
eWards Qualifiers1a None
JBT Freedom Checking None None None None None
Premier Checking $2,5002 $0.01 - $2,499.99
$2,500 - $4,999.99
$5,000 - $19,999.99
$20,000 and up
0.05%2
0.05%2
0.05%2
0.05%2
None
  • - Up to 0.50% additional interest on CDs4
  • - One FREE box of any standard wallet-style checksper rolling 12 month period
  • - Discount on safe deposit or express box
Prestige Checking None All Balances 0.05%3 Age 50 or better
  • - Up to 0.50% additional interest on CDs4
  • - One FREE box of any standard wallet-style checksper rolling 12 month period
  • - Discount on safe deposit or express box

JBT eWards Checking

Minimum Balance
None
Rate
1.00%1 (Tier 1)
0.02% (Tier 2)
Balance to Receive Interest
$0.01 - $20,000
$20,000 and up
Requirements
eWards Qualifiers1a
Benefits
None

JBT Freedom Checking

Minimum Balance
None
Rate
None
Balance to Receive Interest
None
Requirements
None
Benefits
None

Premier Checking

Minimum Balance
$2,5002
Rate
0.05%2
0.05%2
0.05%2
0.05%2
Balance to Receive Interest
$0.01 - $2,499.99
$2,500 - $4,999.99
$5,000 - $19,999.99
$20,000 and up
Requirements
None
Benefits
  • - Up to 0.50% additional interest on CDs4
  • - One FREE box of any standard wallet-style checksper rolling 12 month period
  • - Discount on safe deposit or express box

Prestige Checking

Minimum Balance
None
Rate
0.05%3
Balance to Receive Interest
All Balances
Requirements
Age 50 or better
Benefits
  • - Up to 0.50% additional interest on CDs4
  • - One FREE box of any standard wallet-style checksper rolling 12 month period
  • - Discount on safe deposit or express box

Every JBT Personal Checking Account Includes

1Variable Rate Account – The interest rate and annual percentage yield may vary. At our discretion, we may change the interest rate on the account at any time after the account is opened. Fees may reduce earnings. APYs accurate as of 10/01/17. Subject to change without notice. Account qualifiers must be met to receive the Tier 1 APY.

Interest on this account is calculated on a split accrual basis. For example, if you have a $40,000 balance in your account, the first $20,000 will earn interest at the Tier 1 rate and the remaining balance will earn interest at the Tier 2 rate. If you do not meet the qualifiers for this account, all balances earn interest at the Tier 2 rate.

1aeWards Qualifiers: Each statement cycle receive eStatement, pay minimum of one bill using JBT Online Bill Pay and make a minimum of 20 JBT debit card transactions.

2Variable Rate Account – The interest rate and annual percentage yield may vary. At our discretion, we may change the interest rate on the account at any time after the account is opened. Fees may reduce earnings. Account requires a minimum balance of $2,500.00 in the Premier checking account (or as a compensating balance in a JBT checking, savings, or money market account) each day to avoid a monthly service charge. APYs accurate as of 10/01/17. Subject to change without notice.

3Variable Rate Account – The interest rate and annual percentage yield may vary. At our discretion, we may change the interest rate on the account at any time after the account is opened. Fees may reduce earnings. APYs accurate as of 10/01/17. Subject to change without notice.

4Extra interest of 0.00% to 0.50% added to regular CD rates. Special offers excluded. May be withdrawn without notice.

5Third party charges for data and messaging may apply.

6Offer does not include special monograms, wood cuts, or specialty checks.

7Withdrawals or transfers from account limited to 6 pre-authorized or automatic transfers by phone, online, or by check, draft, debit card or order to third party per statement cycle.