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Personal Checking Accounts

CHECKING ACCOUNTS MADE FOR YOUR  SPECIFIC NEEDS

JD Bank offers a variety of checking accounts that  give you the freedom and flexibility you need. Control your finances, your fees, and your interest rates, and watch your money grow with our interest-bearing accounts with competitive rates.

All JD Bank Personal Checking Accounts come with:

FREE Online Banking • FREE MOBILE BANKING****
FREE BILL PAY.

MONTHLY FEE
X
X
With average balances of $30,000 in combined balances ($10.00 if balance requirement is not met)
$3 Monthly Fee
BALANCE REQUIREMENT
X
$30,000 in combined JD Signature checking, JD Signature savings, and Certificate of Deposit balances
X
EARNS INTEREST
QUALIFICATIONS MET
YES

Earns higher rate of interest with a tiered balancestructure of:

  • Tier 1 – 2.50% APY* on balances of $0.01 to $10,000
  • Tier 2 – 0.15% APY* on balances above $10,000
 Interest is credited to ZYDECASH Checking account
YES

0.25% APY** Earns interest on all balances

Interest is credited to JD Signature Checking account
X
EARNS INTEREST
QUALIFICATIONS NOT MET
YES

  • Tier 3 – 0.05% APY* on all balance

X
X
ACCOUNT QUALIFIERS
To earn the high interest rate on your checking account, you must meet the following transaction targets each month:

  • 10 monthly debit card purchases withdrawn from account
  • Have at least one direct deposit or automatic payment
  • Receive E-statements online
  • Access personal online banking or mobile banking

Average balance of $30,000
in combined balances
X
DEBIT CARD
FREE
FREE
FREE
ONLINE BANKING
FREE
FREE
FREE
MOBILE BANKING****
FREE
FREE
FREE
BILL PAY
FREE
FREE
FREE
ATM CHARGES
ATM Fee Refunds

Up to $25.00 refund on ATM fees charged by banks nationwide per qualification cycle provided ALL qualifications are met within the monthly qualification cycle.
Normal charges apply
Normal charges apply
OVERDRAFT*****
$200.00 Overdraft Privilege
Savings ODP available
Line of Credit, with credit approval
$500.00 Overdraft Privilege
Savings ODP available
Line of Credit, with credit approval
$200.00 Overdraft Privilege
Savings ODP available
Line of Credit, with credit approval
MONTHLY STATEMENT
E-STATEMENTS
E-STATEMENTS or PAPER STATEMENTS
E-STATEMENTS or PAPER STATEMENTS
CUSTOM FEATURES
  • 50% discount on any Safe Deposit Box
  • .25% discount on loans with Auto Debit
  • Free Cashier’s Checks
OPENING DEPOSIT
$25
$25
$25
SAVINGS ACCOUNT OFFERINGS
ZYDECASH SAVINGS

  • Tier 1 – 0.50% APY* on balances up to $30,000 and
  • Tier 2 – 0.15% APY* on balances over $30,000
When ZYDECASH Checking qualifications are met

  • Tier 3 – 0.05% APY* on full balances if ZYDECASH Checking qualifications are NOT met

No Monthly Service Fees \ Free Online and Mobile Banking****
JD SIGNATURE SAVINGS

  • Tier 1 – 0.50% APY** on balances up to $30,000 and
  • Tier 2 – 0.15% APY** on balances over $30,000
When JD Signature Checking qualifications are met

  • Tier 3 – 0.05% APY** on full balances if JD Signature Checking qualifications are NOT met

No Monthly Service Fees \ Free Online and Mobile Banking****
JD CLASSIC SAVINGS

  • $4.00 monthly fee waived on balances over $200
  • Balances over $200 earns interest 0.15% APY***
  • Three (3) free withdrawals per month. $1.00 per withdrawal thereafter
  • Does not require JD Classic Checking


  • No Monthly Service Fees\Free Online and Mobile Banking****

*Minimum to open account is $25 for ZydeCashSM Checking and $25 for ZydeCash Savings. Annual Percentage Yield (APY) accurate as of 04/11/2023. 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. 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.

**Minimum to open account is $25 for JD Signature Checking and $25 for JD Signature Savings. Annual Percentage Yield (APY) accurate as of 04/11/2023. JD Signature Checking pays interest as follows: 0.25% APY applies to all balances, if qualifications are met during monthly qualification cycle. No interest is earned if qualifications are not met. The advertised JD Signature Checking APY is based on compounding interest. The actual interest paid may be less than the advertised APY. JD Signature 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 JD Signature Checking. A 0.05% APY applies to all balances if qualifications are not met. Rates are subject to change without notice after account is opened. Fees may reduce earnings. Member FDIC.

***Annual Percentage Yield (APY) accurate as of 04/11/2023. The advertised JD Classic Savings APY is based on compounding interest. 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.

****Carrier charges may apply.

*****Overdraft and returned item fees may apply.

JD CLASSIC CHECKING

FOR WHEN YOU WANT A SIMPLE, LOW COST CHECKING ACCOUNT.

JD SIGNATURE CHECKING

OUR MOST ROBUST CHECKING ACCOUNT THAT ALSO EARNS INTEREST.

ZYDECASH CHECKING

OPEN OUR MOST POPULAR CHECKING ACCOUNT THAT EARNS MORE GREEN!

THE PERKS OF BANKING WITH JD BANK.

mobile BANKING

online banking

Card

debit CARD