- Routing Number: 065204579
Routing # 065204579
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Make your money work harder for you (and not the other way around).
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Earns Interest (Qualifications Met)
Earns Interest (Qualifications Not Met)
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ZydeCashSM Savings
Two-step all the way to the bank.
Earn 0.50% annual percentage yield (APY) on balances $30,000 and under every monthly qualification cycle. Pair it with ZydeCash Checking to earn up to 2.50% APY.1
- $25 Minimum Opening Deposit1
- Free Debit Card & Mobile Wallet
- Free Online & Mobile Banking2
- Refunds on ATM fees nationwide1
- No monthly service fees3
1Minimum to open account is $25 for ZydeCash Checking and $25 for ZydeCash Savings. Annual Percentage Yield (APY) accurate as of 07/07/2026. ZydeCash Checking rate tiers are as follows: 2.50% APY applies to balances of $0.01-$10,000 and 0.15% APY applies to balances over $10,000 if qualifications are met during monthly qualification cycle. A 0.05% APY applies to all balances if qualifications are not met. Average Daily Balance used to calculate interest on account. The advertised ZydeCash Checking APY is based on compounding interest. The interest earned in ZydeCash Checking is credited to the ZydeCash Checking each statement cycle. The actual interest paid may be less than the advertised APY. The ZydeCash Savings APYs may be less than the ZydeCash Checking APYs. ZydeCash Savings rate tiers are as follows: 0.50% APY applies to balances of $0.01-$30,000 and 0.15% APY applies to balances over $30,000 if qualifications are met during monthly qualification cycle on ZydeCash Checking. A 0.05% APY applies to all balances if qualifications are not met on ZydeCash Checking. Qualifying purchases must post and settle in ZydeCash Checking during monthly qualification cycle. Purchases may take one or more banking days from purchase transaction date to post to an account. Intra-bank transfers do not count as qualifying transactions. ATM-processed transactions do not count as debit card purchase transactions. Rates are subject to change without notice after account is opened. Fees may reduce earnings. ATM fees for our ZydeCash Checking accounts will be refunded up to $25 per qualification cycle provided all qualifications are met within the monthly qualification cycle. Limited to one account per social security number. ZydeCashSM is a Service Mark of JD Bancshares. Member FDIC.
2Carrier charges may apply.
3Overdraft and returned item fees may apply.
1Minimum to open account is $25 for ZydeCash Checking and $25 for ZydeCash Savings. Annual Percentage Yield (APY) accurate as of 07/07/2026. ZydeCash Checking rate tiers are as follows: 2.50% APY applies to balances of $0.01-$10,000 and 0.15% APY applies to balances over $10,000 if qualifications are met during monthly qualification cycle. A 0.05% APY applies to all balances if qualifications are not met. Average Daily Balance used to calculate interest on account. The advertised ZydeCash Checking APY is based on compounding interest. The interest earned in ZydeCash Checking is credited to the ZydeCash Checking each statement cycle. The actual interest paid may be less than the advertised APY. The ZydeCash Savings APYs may be less than the ZydeCash Checking APYs. ZydeCash Savings rate tiers are as follows: 0.50% APY applies to balances of $0.01-$30,000 and 0.15% APY applies to balances over $30,000 if qualifications are met during monthly qualification cycle on ZydeCash Checking. A 0.05% APY applies to all balances if qualifications are not met on ZydeCash Checking. Qualifying purchases must post and settle in ZydeCash Checking during monthly qualification cycle. Purchases may take one or more banking days from purchase transaction date to post to an account. Intra-bank transfers do not count as qualifying transactions. ATM-processed transactions do not count as debit card purchase transactions. Rates are subject to change without notice after account is opened. Fees may reduce earnings. ATM fees for our ZydeCash Checking accounts will be refunded up to $25 per qualification cycle provided all qualifications are met within the monthly qualification cycle. Limited to one account per social security number. ZydeCashSM is a Service Mark of JD Bancshares. Member FDIC.
2Carrier charges may apply.
3Overdraft and returned item fees may apply.
JD Signature Savings
Combine with Signature Checking for the best interest.
Accelerate your savings by pairing our Signature accounts. You'll earn a higher rate of interest and tap into our full range of standard and custom features and benefits.
- Earn 2.50% APY1 on full balance when JD Signature balance requirements are met during each monthly qualification cycle
- JD Signature Checking Account required
- $25 Minimum Opening Deposit1
- Free Debit Card & Mobile Wallet
- Free Online & Mobile Banking2
1Minimum to open account is $25 for JD Signature Checking and $25 for JD Signature Savings. Annual Percentage Yield (APY) accurate as of 07/07/2026. The advertised JD Signature Checking APY is based on compounding interest. Average Daily Balance used to calculate interest on account. The actual interest paid may be less than the advertised APY. Rates are subject to change without notice after the account is opened. Fees may reduce earnings. Member FDIC.
2Carrier charges may apply.
1Minimum to open account is $25 for JD Signature Checking and $25 for JD Signature Savings. Annual Percentage Yield (APY) accurate as of 07/07/2026. The advertised JD Signature Checking APY is based on compounding interest. Average Daily Balance used to calculate interest on account. The actual interest paid may be less than the advertised APY. Rates are subject to change without notice after the account is opened. Fees may reduce earnings. Member FDIC.
2Carrier charges may apply.
JD Classic Savings
Our not-so-basic savings account.
Looking for the perfect starter savings account? You found it. With our Classic account, you'll earn interest on balances as low as $200 — and watch it grow with every deposit.
- $25 Minimum Opening Deposit1
- Free Debit Card & Mobile Wallet
- Free Online & Mobile Banking2
$4.00 Monthly Fee (Fee waived if balance remains at $200 and above for the entire month)3
1Annual Percentage Yield (APY) accurate as of 07/07/2026. Tier 1: Balances $200 – $99,999.99 earn 0.15% APY interest. Tier 2: Balances $100,000 and above earn interest 0.30% APY. JD Classic Checking is not required to earn interest. The advertised JD Classic Savings APY is based on compounding interest. Average Daily Balance used to calculate interest on account. The actual interest paid may be less than the advertised APY. Rates are subject to change without notice after account is opened. Fees may reduce earnings.
2Carrier charges may apply.
3Overdraft and returned item fees may apply.
1Annual Percentage Yield (APY) accurate as of 07/07/2026. Tier 1: Balances $200 – $99,999.99 earn 0.15% APY interest. Tier 2: Balances $100,000 and above earn interest 0.30% APY. JD Classic Checking is not required to earn interest. The advertised JD Classic Savings APY is based on compounding interest. Average Daily Balance used to calculate interest on account. The actual interest paid may be less than the advertised APY. Rates are subject to change without notice after account is opened. Fees may reduce earnings.
2Carrier charges may apply.
3Overdraft and returned item fees may apply.
Minor Savings
Our starter savings account.
Stow money away in a safe place for the younger savers in your family with a Minor Savings Account. Keeps funds secure and available for their future.
- $25 Minimum Opening Deposit1
- No fee for minors2
- Free Debit Card & Mobile Wallet
- Free Online & Mobile Banking3
- Balances over $200 earn interest4
1Rate may change after account opening. Interest compounded and credited to account monthly. Daily balance method used to calculate interest.
2Account must be opened for a minor (under age 18) with one parent or legal guardian listed as the only authorized signer. Account does not automatically transfer access to the minor but must be closed by current custodian (parent/guardian) and reopened as a regular deposit account. Minor never has access to the account. Overdraft and returned item fees may apply.
3Account balances from $25 to $99,999.99 earn 0.15% APY. Balances of $100,000 and above earn 0.30% APY.
4Carrier charges may apply.
1Rate may change after account opening. Interest compounded and credited to account monthly. Daily balance method used to calculate interest.
2Account must be opened for a minor (under age 18) with one parent or legal guardian listed as the only authorized signer. Account does not automatically transfer access to the minor but must be closed by current custodian (parent/guardian) and reopened as a regular deposit account. Minor never has access to the account. Overdraft and returned item fees may apply.
3Account balances from $25 to $99,999.99 earn 0.15% APY. Balances of $100,000 and above earn 0.30% APY.
4Carrier charges may apply.
Health Savings Account
Take advantage of triple tax advantages.
An HSA gives you the flexibility to manage your healthcare needs your way. It also gives you distinct tax benefits: Your contributions, earnings, interest income, and withdrawals for eligible expenses are all tax-free.
- Allows pre-tax account contributions
- Funds immediately available for qualified medical expenses for you, your spouse, and your eligible dependents
- No limits on HSA balance
- Funds do not expire
- Enrollment in a high-deductible health plan (HDHP) required
This is intended to provide general information concerning federal tax laws governing HSAs. It is not intended to provide legal advice, tax advice or to be a detailed explanation of the rules or how such rules may apply to your individual circumstances or under your state tax laws. For specific information you are encouraged to consult your tax or legal professional.
This is intended to provide general information concerning federal tax laws governing HSAs. It is not intended to provide legal advice, tax advice or to be a detailed explanation of the rules or how such rules may apply to your individual circumstances or under your state tax laws. For specific information you are encouraged to consult your tax or legal professional.
Christmas Club
Wrap up gift-giving season.
It's easy. Starting November 1st, make weekly transfers from your checking or savings account into your Christmas Club Account. On October 31st, we'll transfer that money back into your checking or savings account just in time for holiday shopping.
- Automates budgeting for the holiday season1
- Receive one matching deposit equal to your weekly deposit amount over the last year2
- Extra deposits allowed
1You must open a Christmas Club Account on or before the first day of November. Automatic deposits must be set up up to withdraw from your checking or savings account weekly. Withdrawals from account are not allowed during the year. Any withdrawals will result in the closure of the account.
2Account must originate on or before November 1st to qualify for the matching deposit. Matching deposit not to exceed $200. Deposits must be made weekly to qualify for the matching deposit, no “catching up” on missed payments. The Internal Revenue Service defines the Matching Deposit as interest. All matching payments and balances will be paid on October 31st of each year.
1You must open a Christmas Club Account on or before the first day of November. Automatic deposits must be set up up to withdraw from your checking or savings account weekly. Withdrawals from account are not allowed during the year. Any withdrawals will result in the closure of the account.
2Account must originate on or before November 1st to qualify for the matching deposit. Matching deposit not to exceed $200. Deposits must be made weekly to qualify for the matching deposit, no “catching up” on missed payments. The Internal Revenue Service defines the Matching Deposit as interest. All matching payments and balances will be paid on October 31st of each year.
Individual Retirement Accounts
Reach your retirement savings goals faster.
Start planning for the future today with a fixed- or variable-rate IRA. Earn higher interest than a savings account and choose from 12- to 48-month terms.
- Fixed or variable rates
- 12- to 48-month terms
- $1,000 minimum opening deposit
- No monthly maintenance fees
*Annual Percentage Yield accurate as of 07/07/2026.
*Annual Percentage Yield accurate as of 07/07/2026.
Overdraft Protection
Overdrafts happen. Your check goes through before your deposit. Or you miss a debit in your account. Don't stress it. We've got you covered with Overdraft Protection™ from JD Bank.
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