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 | XWith average balances of $40,000 in combined balances ($10.00 if balance requirement is not met) | $3 Monthly Fee |
BALANCE REQUIREMENT | X | X | X |
EARNS INTERESTQUALIFICATIONS MET | YES
Earns higher rate of interest with a tiered balance structure of:
| YES 0.75% APY** Earns interest on average balances when balance requirements are met: $40,000 in combined JD Signature Checking, JD Signature Savings, and Certificate of Deposit balances Interest is credited to JD Signature Checking account | X |
EARNS INTERESTQUALIFICATIONS NOT MET | YES
| X | X |
ACCOUNT QUALIFIERS | To earn the high interest rate on your checking account, you must meet the following transaction targets each month:
| Average balance of $40,000 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
$3.00 monthly credit for E-Statement |
CUSTOM FEATURES | .25% discount on new loans only with Auto Debit |
| .25% discount on new loans only with Auto Debit |
OPENING DEPOSIT | $25 | $25 | $25 |
SAVINGS ACCOUNT OFFERINGS | ZYDECASH SAVINGS
No Monthly Service Fees \ Free Online and Mobile Banking**** | JD SIGNATURE SAVINGS Earns 2.50% APY** on full balance when JD Signature qualifications are met during each monthly qualification cycle Earns 0.05% APY** on full balance when qualifications are not met No Monthly Service Fees \ Free Online and Mobile Banking**** | JD CLASSIC SAVINGS
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 05/15/2024. 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 05/15/2024. The advertised JD Signature Checking 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 the account is opened. Fees may reduce earnings. Member FDIC.
***Annual Percentage Yield (APY) accurate as of 05/15/2024. 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.
THE PERKS OF BANKING WITH JD BANK.