JD BANK TO DONATE $100,000 FOR FOOD INSECURITY IN LOCAL COMMUNITIES

JD BANK TO DONATE $100,000 FOR FOOD INSECURITY IN LOCAL COMMUNITIES

Jennings, La.- JD Bank is pleased to announce a $100,000 donation to meet the growing need of food insecurity in the communities we serve. Working through the Second Harvest Food Bank of Greater New Orleans and Acadiana, JD Bank will be able to support 46 food pantries, meal programs, and residential shelters in Calcasieu, Evangeline, Iberia, Jeff Davis, Lafayette, and St. Landry Parishes, as well as Second Harvest’s COVID- 19 response and emergency food distribution efforts. Second Harvest works with local organizations to fight hunger by providing food access, advocacy, education and disaster response. The donation to Second Harvest will be allocated to support our communities as follows: Calcasieu Parish will receive $35,000 of support, Evangeline Parish will receive $12,500, Iberia Parish will receive $10,000, Jeff Davis Parish will receive $15,000, Lafayette Parish will receive $10,000 and St. Landry Parish will receive $10,000.

JD Bank will also make a $7,500 contribution to support the Shepard’s Pantry at St. Philip Neri Church in Kinder.

“JD Bank takes pride in being Louisiana’s Community Bank and we recognize that our successes are directly tied to the well-being of our neighbors. It is of utmost importance that we are able to support our communities when they are most vulnerable. Second Harvest has seen a 40% increase in the need for emergency food assistance and it is our duty to help as people are struggling due to the COVID-19 pandemic,” said Bruce W. Elder, JD Bank President and CEO.

“We are so thankful for JD Bank’s transformational gift,” said Second Harvest Regional Director, John Dziurgot. “Your truly generous donation will greatly increase our ability to meet food distribution needs, as we face this unprecedented time.”

About JD Bank

Founded in 1947, JD Bank, Louisiana’s Community Bank, offers a variety of personal and commercial lending and deposit products through both physical and digital delivery channels. JD Bank also offers both trust and investment services. JD Bank operates through 21 full service branch offices located along the Interstate 10 corridor from Lake Charles to Lafayette, Louisiana. For more information, visit www.jdbank.com or call 800-789-5159. Member FDIC. Equal Housing Lender. 

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– JDB-

Paycheck Protection Program

Update – 6/4/2020 – JD Bank, Louisiana’s Community Bank, is proud to support our local communities during this difficult time by providing $73.5 million in PPP loans to 756 businesses in our footprint supporting 8,092 jobs.  We believe jobs provided by America’s small businesses are the life blood of our communities .  Thank you for allowing us to continue to serve you.

Posted 4/2/2020 – The newly enacted Coronavirus Aid Relief and Economic Security (CARES) Act will provide a stimulus aid package to individuals and businesses in need. The Act includes a $349 billion business loan program called the Paycheck Protection Program to offer relief measures to small businesses, primarily to keep employees on payroll and cover other critical expenses.

The Small Business Administration (SBA), the federal agency that administers the Program issued guidance on the evening of April 2, 2020. While we at JD Bank are reviewing the federal regulations and execution instructions, we wanted make the current Program details known. We will continue to update our website and social media pages as information becomes available.

Important elements of the Program:

  • Starting April 3, 2020, small businesses and sole proprietorships can apply. Starting April 10, 2020, independent contractors and self-employed individuals can apply. We encourage you to apply as quickly as you can because there is a funding cap.
  • Eligible businesses include small businesses, 501(c)(3) organizations, veterans’ groups or tribal businesses with 500 or fewer employees, or those that otherwise meet SBA size standards. This includes sole proprietors, independent contractors, and other self-employed individuals. Certain accommodation, lodging, and food services businesses with no more than 500 employees per physical location are also eligible.
  • Recipients can use the loans for certain payroll costs — including salaries and commissions up to $100,000 per individual, regular paid leave, and group health-care benefits — as well as certain mortgage, rent, and utility payments. (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.
  • Businesses must have been in operation by February 15, 2020, to qualify.
  • Eligible businesses can receive loans up to 2.5 times their average monthly payroll, not to exceed $10 million.
  • Loans under the program are fully guaranteed by the U.S. government.
  • Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels. Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease.
  • A recipient must certify that its business has been affected by COVID-19 and that it will use the funds to retain workers, maintain payroll and meet other debt obligations. Loans will also be subject to the qualification requirements, terms, and conditions of the Program.
  • You can find more Program details at sba.gov/ppp.

As information on the CARES Act becomes available, including the Paycheck Protection Program, we will update our information.

You will need to have the following information and documentation to submit an application:

  • Payroll documents for 2019 and 2020 to include payment on group health benefits, including premiums paid, and any retirement benefits
  • 2019 company financial information

FROM THE SBA.GOV WEBSITE

Loan Information

The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll.

SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities.

You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating in the program.

Lenders may begin processing loan applications as soon as April 3, 2020. The Paycheck Protection Program will be available through June 30, 2020.

Who Can Apply

The following entities affected by Coronavirus (COVID-19) may be eligible:

  • Any small business concern that meets SBA’s size standards (either the industry based sized standard or the alternative size standard)
  • Any business, 501(c)(3) non-profit organization, 501(c)(19) veterans organization, or Tribal business concern (sec. 31(b)(2)(C) of the Small Business Act) with the greater of:
    • 500 employees, or
    • That meets the SBA industry size standard if more than 500
  • Any business with a NAICS Code that begins with 72 (Accommodations and Food Services) that has more than one physical location and employs less than 500 per location
  • Sole proprietors, independent contractors, and self-employed persons

Loan Details and Forgiveness

The loan will be fully forgiven if the funds are used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.

Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels.  Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease.

This loan has a maturity of 2 years and an interest rate of 1%.

If you wish to begin preparing your application, you can download a sample form to see the information that will be requested from you.

For more information on documentation needed for loan forgiveness, please click here.

Other Assistance

In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are currently eligible to apply for disaster assistance.

Enhanced Debt Relief is also available in SBA’s other business loan programs to help small businesses overcome the challenges created by this health crisis.

For information on additional Lending options, please click here.

SBA provides local assistance via 68 district offices and a nationwide network of resource partners. To find resources near you, please click here.

You can find more Program details at sba.gov/ppp

###

Updated 6:03 p.m. 3/20/2020 – Small Business Owners Needing Emergency Working Capital

Small Business Checking

Small Business Owners Needing Emergency Working Capital

JD Bank has developed a quick-decision line of credit to help small businesses in the communities we serve. Small business owners who are in need of emergency working capital to keep their business up and running during the coronavirus (COVID-19) situation should contact their local branch to schedule an appointment with one of our commercial loan officers

JD BANK TO DONATE $100,000 FOR FOOD INSECURITY IN LOCAL COMMUNITIES

JD BANK TO DONATE $100,000 FOR FOOD INSECURITY IN LOCAL COMMUNITIES https://vimeo.com/414094339 Jennings, La.- JD Bank is pleased to announce a $100,000 donation to meet the growing need of food…

Paycheck Protection Program

A LETTER FROM OUR PRESIDENT ABOUT THE CARES/PPP PROGRAM CLICK HERE FOR THE CARES/PPP PROGRAM APPLICATION FORM CLICK HERE FOR THE JD BANK PPP PROGRAM CHECKLIST Update – 6/4/2020 –…

Updated 6:03 p.m. 3/20/2020 - Small Business Owners Needing Emergency Working Capital

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Updated 8:11 a.m., 3/20/2020 – FDIC Consumer News: Scammers Pretending to be the FDIC

Protect yourself against imposters

The Federal Deposit Insurance Corporation (FDIC) has received reports of fraudulent communications that have the appearance of being from this agency. Fraudsters know that people trust the FDIC name, so scammers use the FDIC’s name and logo, and even the names of actual employees, in perpetrating fraudulent schemes.

Some recently reported scams have fraudulently used the names of real FDIC employees, including Martin Henning and Michael Benardo. They have also used fictitious employee names such as Peter Harding, Christine Marshall, and Kate Marshall.

These scams may involve a variety of communication channels, including emails, phone calls, letters, text messages, faxes, and social media. The messages might ask you to “confirm” or “update” confidential personal financial information, such as bank account numbers. In other cases, the communication might be an offer to help victims of current or previous frauds with an investigation or to recover losses.

Some scams have included official looking forms for such things as filing insurance claims or paying taxes on prize winnings. They might tell you that you have an unpaid debt and threaten you with a lawsuit or to arrest you if you don’t pay. Other recent examples have included check endorsements, bankruptcy claimant verification forms, stock confirmations, and investment purchases.

Additional known scams ask for an upfront payment in the form of gift cards or digital currency before service can be provided. They might include a cashier’s check with instructions to deposit the check and send some portion of the funds back via wire transfer service. Learn how to protect yourself from fake check scams with these tips from FDIC Consumer News. Scammers might ask for personal information such as Social Security numbers, dates of birth, and other valuable details that they can use to commit fraud or sell your identity.

 

Here’s what you need to know to protect yourself against government imposters like these:

 

  • The FDIC DOES NOT send unsolicited correspondence asking for money or sensitive personal information, and we’ll never threaten you.
  • No government agency will ever demand that you pay by gift card, wiring money, or digital currency.
  • The FDIC would never contact you asking for personal details, such as bank account information, credit and debit card numbers, social security numbers, or passwords.

 

Find out more about Imposter Scams provided by the Federal Trade Commission (FTC).

 

If in doubt, contact the FDIC’s Call Center at 1-877-ASK-FDIC (1-877-275-3342), Monday – Friday, 8 a.m. to 8 p.m. (EST).

 

If you feel you have been the victim of fraud, report this incident to local law enforcement or a local field office of the Federal Bureau of Investigation (FBI).

 

Also notify the United States Postal Inspection Service (USPIS), if the crime involved misuse of the U.S. Postal Service.

 

For more help or information, go to FDIC.gov or call the FDIC toll-free at 1-877-ASK-FDIC (1-877-275-3342). Please send your story ideas or comments to consumeraffairs@fdic.gov

JD BANK TO DONATE $100,000 FOR FOOD INSECURITY IN LOCAL COMMUNITIES

JD BANK TO DONATE $100,000 FOR FOOD INSECURITY IN LOCAL COMMUNITIES https://vimeo.com/414094339 Jennings, La.- JD Bank is pleased to announce a $100,000 donation to meet the growing need of food…

Paycheck Protection Program

A LETTER FROM OUR PRESIDENT ABOUT THE CARES/PPP PROGRAM CLICK HERE FOR THE CARES/PPP PROGRAM APPLICATION FORM CLICK HERE FOR THE JD BANK PPP PROGRAM CHECKLIST Update – 6/4/2020 –…

Updated 6:03 p.m. 3/20/2020 - Small Business Owners Needing Emergency Working Capital

Small Business Owners Needing Emergency Working Capital JD Bank has developed a quick-decision line of credit to help small businesses in the communities we serve. Small business owners who are…

Updated 8:11 a.m., 3/20/2020 - FDIC Consumer News: Scammers Pretending to be the FDIC

Protect yourself against imposters The Federal Deposit Insurance Corporation (FDIC) has received reports of fraudulent communications that have the appearance of being from this agency. Fraudsters know that people trust…

Updated 2:44 p.m., 3/19/2020 - Frequently Asked Questions for Bank Customers Affected by Coronavirus Disease 2019 (Referred to as COVID-19)

Frequently Asked Questions for Bank Customers Affected by Coronavirus Disease 2019 (Referred to as COVID-19) Bank Operations / Deposit Insurance 1. If my bank has temporarily reduced branch access or…

Updated 10:01 a.m., 3/18/2020 - Important Branch Information for JD Bank Customers

Important information for our customers At JD Bank we have been closely monitoring the evolving situation with coronavirus (COVID-19). At this time we have made the decision to temporarily close…

Updated 2:44 p.m., 3/19/2020 – Frequently Asked Questions for Bank Customers Affected by Coronavirus Disease 2019 (Referred to as COVID-19)

Frequently Asked Questions for Bank Customers Affected by Coronavirus Disease 2019 (Referred to as COVID-19)

Bank Operations / Deposit Insurance

1. If my bank has temporarily reduced branch access or is not open, is my money still insured?

A. In difficult circumstances, some banks may need to temporarily limit operations to protect the health of their employees and customers. This may include closing a lobby, converting to drive-thru only services, or encouraging customers to use ATMs or digital channels to access their services.

Regardless of the bank’s operating conditions, your money is insured by the FDIC. Deposits with an FDIC-insured bank or savings institution will continue to be protected up to at least $250,000.

Please see additional information regarding deposit insurance.

2. Will there be enough cash during a pandemic or other national disaster?

A. The Federal Reserve System has and will continue to meet the currency needs of banking customers. Be assured that sufficient resources are available to handle customer needs.

Keep in mind, the safest place for your money is inside a bank. Banks will continue to ensure that their customers have access to funds either directly or electronically, and inside an FDIC-insured bank, your funds are protected by the FDIC.

3. Is there anyone I can speak with if I have detailed questions about my FDIC deposit insurance coverage?

A. Yes. The FDIC has a team of subject matter experts available to answer your questions. Please call 1-877-ASK-FDIC (1-877-275-3342) and ask to speak to a Deposit Insurance Subject Matter Expert between 8:30AM- 5:00PM Monday-Friday.

If you prefer, you can also contact the FDIC in writing through our FDIC Deposit Insurance Form via the FDIC Information and Support Center at: https://ask.fdic.gov/fdicinformationandsupportcenter/s/.

4. I have deposits at a bank that I think may exceed the FDIC’s deposit insurance limits. What should I do?

A. At https://www.fdic.gov/deposit/, the FDIC has a number of deposit insurance resources to help you determine your deposit insurance coverage. A key tool for determining deposit insurance coverage is the Electronic Deposit Insurance Estimator (EDIE), which is available at https://edie.fdic.gov/. In addition, the FDIC website has a wide range of other links that can help you determine your deposit insurance coverage.

The FDIC also has a team of subject matter experts available to answer your questions. Please call 1-877-ASK-FDIC (1-877-275-3342) and ask to speak to a Deposit Insurance Subject Matter Expert between 8:30AM- 5:00PM Monday-Friday. 

If you prefer, you can also contact the FDIC in writing through our FDIC Deposit Insurance Form via the FDIC Information and Support Center at: https://ask.fdic.gov/fdicinformationandsupportcenter/s/.

5. Who can I contact for information about banking services?

A. Customers with questions can contact the FDIC toll-free at 1-877-ASK-FDIC or 1-877-275-3342 or TDD 800-925-4618 for information about accessing banking services or how to reach their bank. This hotline operates from 8:00 a.m. to 8:00 p.m. Eastern Time Monday through Friday and 9:00 a.m. to 5:00 p.m. on Saturday and Sunday. Please note the FDIC does not have access to your specific bank account information. For immediate assistance, you should contact your bank directly. Additional information can be found online at https://www.fdic.gov/COVID-19/index.html.

Access to Money

6. I’ve relocated due to COVID-19, will local banks cash my checks if I’m not a customer of that bank?

A. The FDIC is encouraging banks to consider easing restrictions on cashing out-of-state and non-customer checks. Ask the new bank you are dealing with to call your bank to determine your account balance and to consider allowing you to complete your transactions with them, as a non-customer of that institution. However, you may want to consider opening a new banking account in the area in which you have relocated. Opening a deposit account at a financial institution does not affect a consumer’s credit report.

7. I’m concerned about ATM fees increasing as I don’t have access to my bank’s ATM network but need cash due to COVID-19 related issues. Who do I contact regarding this concern?

A. Please contact your bank and explain your situation. The FDIC is encouraging depository institutions to consider waiving these fees for customers and non-customers impacted by the COVID-19.

8. I need to withdraw money from my certificate of deposit to help pay for unexpected expenses as a result of COVID-19. Will my bank let me withdraw my money without penalty?

A. The FDIC is encouraging banks to consider waiving certain fees to assist customers affected by COVID-19 related developments due to temporary business closures, slowdowns, or sickness. These fees include early withdrawal penalties on time deposits and overdraft fees on checking accounts. You should contact your bank directly to confirm their current policy regarding fees on early withdrawals in connection with any planned withdrawal of funds from a time deposit account.

9. Our community is being encouraged to use social distancing to help stop the spread of COVID-19. My bank is restricting lobby access to branching facilities and I need to go to my bank to get cash and conduct transactions. What should I do?

A. Contact your bank’s customer support line to ask for assistance in meeting your banking needs. Banks may be offering expanded services through the use of drive-up teller windows, or providing assistance at ATMs located outside of the branch office. Bank employees may also help you set up or use online banking, or the bank’s mobile app and digital channels, to complete transactions such as depositing a check to your bank account or paying bills. In addition, you may want to consider signing up for direct deposit so that a paycheck or public benefits payment goes directly into your account at the financial institution.

10. I can’t reach my bank by phone or internet. What should I do?

A. Some bank branches heavily impacted by COVID-19 may have limited personnel in place to respond to calls and some may need to temporarily close to protect their employees. You can use the FDIC’s BankFind to obtain a bank’s contact information, and you can contact the FDIC if you have questions at 1-877-ASK-FDIC (1-877-275-3342).

11. I would like to send money to a relative or friend affected by COVID-19. How do I wire money to or from an institution?

A. Here are some steps for wiring money to or from an institution:

  • Find a bank’s telephone number, email address, and physical address on the FDIC’s BankFind.
  • Contact the institution to which you want to send or retrieve money and determine if the bank can accept or send wire transfers.
  •  Provide the following information:
    • Either your account number or the account number of the individual who will receive the money (in the middle of the check or deposit slip) and the bank routing number (in the lower left hand corner of your check or deposit slip). If you cannot find a bank’s routing number, it may be listed on the bank’s web page.
    • The address of the bank to which you are wiring money.
  • If you are transferring the funds over the internet, ask the institution to fax or email you a confirmation so you know the person receives the money.

You should understand the identification verification process at the receiving institution. Some institutions will accept incoming wires for non-customers but will require proof of your identity before they release the funds. Ensure you have the identification required or explain up front what you have and ask the bank if that is acceptable. Also, determine up front whether there are any fees associated with wiring funds.

12. How can I protect against fraud or scams?

A. Protect your personal and financial information. Understand that some people may take advantage of COVID-19 by using fraudulent websites, phone calls, emails, and text messages claiming to offer “help” but may be trying to trick people into providing Social Security numbers, bank account numbers, and other valuable details. Do not divulge your bank or credit card numbers or other personal information over the phone unless you initiated the conversation with the other party and you know that it is a reputable organization. In addition, you should be cautious about online solicitations. Be on guard against imposters who contact you claiming to be government employees or volunteers and who ask for personal financial information or money. Reject offers to cash a check for someone in exchange for a fee, even if the bank makes the funds available to you right away, as it may later turn out that the check was fraudulent.

13. I didn’t receive my direct deposit. What should I do?

A. Contact your employer to ensure that payroll operations are functioning as normal and to verify that funds were sent to the correct account, and when they are scheduled to be deposited into your account.

Credit Topics

14. I am no longer working due to COVID-19 and don’t have the income to live on and meet my payments. If I miss some loan payments, how will this affect my credit? Will I be charged late fees?

A. The FDIC is encouraging banks to be understanding during this time and work with customers seriously affected by COVID-19 related developments, including temporary business closures, slowdowns, or sickness. In certain situations, the FDIC is encouraging banks to allow customers to skip loan payments with no adverse consequences for the borrower, extend loan terms, and restructure loans. However, before skipping payments or otherwise operating in a manner that differs from the terms of a loan, contact your bank to determine its flexibility during this time.

  • Immediately contact your creditors if you do not think you can pay your bills or make credit card or loan payments on time. Paying your debts late or not at all can result in penalties, interest charges, and damage to your credit score. Your creditors should be able to work with you on a solution, but it is important to contact them as soon as possible and explain your situation.
  • If you have additional concerns or a complaint with a business such as a financial institution or an insurance company, be proactive. First, contact the firm directly. If that does not produce the desired results, you may contact the appropriate federal or state regulatory agency for help or guidance.
15. I am using my credit card to fund unexpected living expenses. What if I go over my credit limit?

A. The FDIC has encouraged banks to consider increasing credit card limits for creditworthy borrowers. The FDIC is also encouraging banks to consider waiving late payment fees on credit cards and other loans. Contact your bank to see whether and how they can help you meet your financial needs.

Identity Theft / Verification

16. What steps can I take to prevent identity theft and what can I do if someone steals my identity?

A. If you feel ID theft is a concern, or have reason to believe you may be a victim of ID theft, you may place a “fraud alert” on your credit file, by contacting the fraud department at one of the three major credit bureaus for which contact information appears below:

You only need to notify one credit bureau. The one that processes your fraud alert will notify the other two. Those two then must place fraud alerts in your file.

Placing a “fraud alert” on your credit file can help prevent a thief from opening new accounts or making changes to your existing accounts. Be aware, however, that placing an alert on your credit file also may prevent you from opening an account unless the bank can contact you and positively confirm your identity and that you are applying for credit.

In addition, people who think their personal information has been misused should contact the local police. They also can contact and file a complaint with the Federal Trade Commission by phone at 877-IDTHEFT or 1-877-438-4338 or TDD 1-866-653-4261 or on the Internet at https://www.identitytheft.gov/.

As always, protect your Social Security number, bank account and credit card numbers, and other personal information, especially in response to unsolicited requests from strangers. Fraudsters may try to trick you into divulging personal information, or they may steal sensitive mail or documents from homes and offices.

17. I do not have access to my personal IDs or financial records due to an unexpected quarantine caused by COVID-19. How do I rebuild my financial records?

A. These tips will help you begin to re-establish your financial records. You should call the bank office first if you are trying to conduct business in person to make sure they have not temporarily closed or restricted lobby access due to COVID-19.

  • Replace your driver’s license or state identification (ID) card.

    A driver’s license and a state ID card for non-drivers are the most commonly used IDs for proof of identity. These documents should be replaced as soon as possible. Contact the Department of Motor Vehicles in the appropriate state.

  • Replace your Social Security card.

    The Social Security Administration’s (SSA) card replacement process requires another form of identification, such as a driver’s license. For more information, call 1-800-772- 1213 (TTY 1-800-325-0778) or go to https://www.SSA.gov and click on “Get Or Replace A Social Security Card.” The website also provides information about Social Security benefit payments at www.socialsecurity.gov/emergency.

  • Consider replacing other documents that may serve as proof of identity, such as:
    • Passport
    • Employer ID card
    • School ID card
    • Military ID card
    • Marriage or divorce record
    • Adoption record
    • Health insurance card (not a Medicare card)
    • Life insurance policy
    • Replace your credit cards, debit cards, and checks and inquire about your safe deposit box.

Contact your financial institution. You can call the FDIC’s toll-free number 1-877-ASK- FDIC (1-877-275-3342) for bank contact information. Once connected, your financial institution should explain the process for replacing your cards, checks, and financial records. If you kept documents in your bank’s safe deposit box, you may want to inquire to the institution about how you can access your box.

For credit cards, if you are unsure of which financial institution issued your card, contact information for the four major credit card companies appears below:

American Express – 1-800-528-4800 or TDD 1-800-221-9950 https://www.americanexpress.com/us/content/fraud-protection-center/what-you-can-do.html

Discover – 1-800-DISCOVER (1-800-347-2683) or TDD 1-800-347-7449
https://www.discover.com/credit-cards/help-center/faqs/fraud.html

MasterCard – 1-800-627-8372
www.mastercard.us/en-us/consumers/get-support.html

Visa – 1-800-VISA-911 (1-800-847-2911)
https://usa.visa.com/support.html/

If you do not remember the credit cards you have, you can obtain your credit report from one of the three major credit bureaus (Equifax at 1-800-525-6285, Experian at 1-888-397-3742, or TransUnion at 1-800-680-7289). Your credit report should list all credit cards in your name and a copy of this information may be provided to you at no cost under a new federal law. For details, contact a central service set up by the credit bureaus at 1-877-322-8228 or go to www.annualcreditreport.com/index.action.

18. There are unauthorized charges on my credit card. What should I do?

A. You should contact the bank at the address your credit card specifies (or through an alternative mechanism provided by the bank) and provide information regarding the disputed transactions no later than 60 days after the bank sent the first statement containing the disputed charges. The bank has 90 days to investigate and resolve the dispute. For more information about credit card dispute resolution procedures, see: https://www.fdic.gov/consumers/assistance/protection/errorresolution.html.

FDIC Operations

19. How do I file a complaint against a bank?

A. As part of our supervisory responsibility, the FDIC provides support to the public by responding to complaints and inquiries involving financial institutions and deposit insurance coverage. The FDIC Information and Support Center allows users to submit a request or complaint, check on the status of a complaint or inquiry, and securely exchange documents with the FDIC. If the bank involved is an FDIC-regulated bank, the FDIC will initiate an investigation into the matter. Complaints or inquiries involving banks that are not primarily regulated by the FDIC will be referred to the appropriate federal banking regulator for handling. To find a bank’s primary federal regulator, you may search the FDIC’s
BankFind.

In order for the FDIC to investigate your concerns, you must submit specific details regarding the incident in writing. You can submit your complaint or inquiry online at the FDIC Information and Support Center at https://ask.fdic.gov/fdicinformationandsupportcenter/s/. Alternatively, you can submit a complaint or inquiry by fax to the Consumer Response Center at 703-812-1020.

20. I mailed a complaint to the FDIC last week. Did you receive it and what is the status?

A. As of March 16, 2020, FDIC employees have been mandated to work from home to limit exposure from COVID-19. There may be some delays in processing physical mail. To avoid delays, and if possible, it is recommended that complaints and inquiries be submitted to the FDIC Consumer Response Center by visiting the FDIC Information and Support Center at https://ask.fdic.gov/fdicinformationandsupportcenter/s/. From there, consumers may submit an inquiry or complaint, check on the status of a submission, and view the FDIC’s response. Please be aware you will need to create a user account in order to track the status of a complaint or inquiry and to securely view certain documents the FDIC obtained from a bank, which may contain personally identifiable information.

JD BANK TO DONATE $100,000 FOR FOOD INSECURITY IN LOCAL COMMUNITIES

JD BANK TO DONATE $100,000 FOR FOOD INSECURITY IN LOCAL COMMUNITIES https://vimeo.com/414094339 Jennings, La.- JD Bank is pleased to announce a $100,000 donation to meet the growing need of food…

Paycheck Protection Program

A LETTER FROM OUR PRESIDENT ABOUT THE CARES/PPP PROGRAM CLICK HERE FOR THE CARES/PPP PROGRAM APPLICATION FORM CLICK HERE FOR THE JD BANK PPP PROGRAM CHECKLIST Update – 6/4/2020 –…

Updated 6:03 p.m. 3/20/2020 - Small Business Owners Needing Emergency Working Capital

Small Business Owners Needing Emergency Working Capital JD Bank has developed a quick-decision line of credit to help small businesses in the communities we serve. Small business owners who are…

Updated 8:11 a.m., 3/20/2020 - FDIC Consumer News: Scammers Pretending to be the FDIC

Protect yourself against imposters The Federal Deposit Insurance Corporation (FDIC) has received reports of fraudulent communications that have the appearance of being from this agency. Fraudsters know that people trust…

Updated 2:44 p.m., 3/19/2020 - Frequently Asked Questions for Bank Customers Affected by Coronavirus Disease 2019 (Referred to as COVID-19)

Frequently Asked Questions for Bank Customers Affected by Coronavirus Disease 2019 (Referred to as COVID-19) Bank Operations / Deposit Insurance 1. If my bank has temporarily reduced branch access or…

Updated 10:01 a.m., 3/18/2020 - Important Branch Information for JD Bank Customers

Important information for our customers At JD Bank we have been closely monitoring the evolving situation with coronavirus (COVID-19). At this time we have made the decision to temporarily close…

Updated 10:01 a.m., 3/18/2020 – Important Branch Information for JD Bank Customers

Important information for our customers

At JD Bank we have been closely monitoring the evolving situation with coronavirus (COVID-19). At this time we have made the decision to temporarily close our branch lobbies in accordance with the federal, state and local recommendations. The health and safety of our customers and our employees is top priority and we feel that with this decision we can continue to serve your banking needs, while we minimize health risks to our employees, our customers and our communities.

Effective 03/19/2020, all branch lobbies will be temporarily closed to the general public:

  • In-branch visits must be scheduled in advance and are by appointment only. Please contact your local branch or our customer service center at 800-789-5159 to schedule an appointment. This includes opening an account, signing documents and accessing safe deposit box.
  • Drive-through windows at all branches will remain open for regular hours. You can visit jdbank.com/locations for all branch locations and drive-through hours.
  • Our customer service center is available Monday-Friday 8am-6pm CST and Saturday 9am-12pm CST by calling 800-789-5159.

We ask any customer who is showing symptoms, has been ordered to quarantine, or thinks they have been exposed to the coronavirus NOT to visit our branch locations or drive-through windows. Our employees have been instructed not to report to work under the same circumstances.

For your convenience, in addition to our drive-through windows and 24-hour ATMs, we have many services and resources available for you to bank remotely:

  • Online Banking – view account balances and transactions, pay bills, transfer money, make loan payments and more.
  • Mobile App – all the functionality of online banking from your mobile phone or tablet, with the ability to deposit checks with mobile deposit.
  • Mobile Wallet – make purchases with your smart phone using Apple Pay, Samsung Pay or Google Pay.
  • Telebanking – 800-789-5159 – check account balances and transfer funds.

We understand that there is the potential for additional financial burdens during this time. If you have been negatively impacted and need additional assistance related to your account or accounts with JD Bank, let us know. We are here to help.

Finally, we would like to take this time to remind you of the potential for scams. Scammers take advantage of situations of uncertainty and vulnerability. JD Bank will never call you and ask for your account number, social security number, online banking information, or other personal information. Never give your personal information to anyone and keep your passwords and personal identification number (PIN) private. 

Please continue to check our website, jdbank.com, and our social media accounts for the most up-to-date information. We appreciate your business and thank you for being a customer of JD Bank, Louisiana’s Community Bank. 

JD BANK TO DONATE $100,000 FOR FOOD INSECURITY IN LOCAL COMMUNITIES

JD BANK TO DONATE $100,000 FOR FOOD INSECURITY IN LOCAL COMMUNITIES https://vimeo.com/414094339 Jennings, La.- JD Bank is pleased to announce a $100,000 donation to meet the growing need of food…

Paycheck Protection Program

A LETTER FROM OUR PRESIDENT ABOUT THE CARES/PPP PROGRAM CLICK HERE FOR THE CARES/PPP PROGRAM APPLICATION FORM CLICK HERE FOR THE JD BANK PPP PROGRAM CHECKLIST Update – 6/4/2020 –…

Updated 6:03 p.m. 3/20/2020 - Small Business Owners Needing Emergency Working Capital

Small Business Owners Needing Emergency Working Capital JD Bank has developed a quick-decision line of credit to help small businesses in the communities we serve. Small business owners who are…

Updated 8:11 a.m., 3/20/2020 - FDIC Consumer News: Scammers Pretending to be the FDIC

Protect yourself against imposters The Federal Deposit Insurance Corporation (FDIC) has received reports of fraudulent communications that have the appearance of being from this agency. Fraudsters know that people trust…

Updated 2:44 p.m., 3/19/2020 - Frequently Asked Questions for Bank Customers Affected by Coronavirus Disease 2019 (Referred to as COVID-19)

Frequently Asked Questions for Bank Customers Affected by Coronavirus Disease 2019 (Referred to as COVID-19) Bank Operations / Deposit Insurance 1. If my bank has temporarily reduced branch access or…

Updated 10:01 a.m., 3/18/2020 - Important Branch Information for JD Bank Customers

Important information for our customers At JD Bank we have been closely monitoring the evolving situation with coronavirus (COVID-19). At this time we have made the decision to temporarily close…