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Basic Checking

online banking

convenient solutions

mobile banking

and mobile deposit


If you’re looking for a low-cost, no-frills checking account, Basic Checking is for you. For just $3.00 a month you get all the features below. Plus, by signing up for an e-statement and using your debit card, you may reduce your fee each month.


  • $3.00 per month
  • $200 overdraft protection
  • Free online banking**
  • Free mobile banking with mobile deposit**
  • Debit card ( $12/year)


  • $2.00 credit each month for accepting an e-statement
  • $0.20 credit per debit card purchase (max $1 credit)

(No credits for ATM withdrawals. No bonus credits once fee is waived.)


*Overdraft and returned item fees may apply. Minimum to open account is $25.
**Carrier charges may apply.
IMPORTANT NOTICE - An employee of JD Bank will NEVER call and ask for your private information or a one-time passcode.
Even if a call comes from a JD Bank phone number, never give your password, account number, SSN, or other personal information to someone who initiates the call.