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Zydecash

Squeeze more green into your accounts with ZYDECASHSM

High-interest checking and savings accounts that can reward you to the tune of 2.50% annual percentage yield* (APY) every monthly qualification cycle on balances up to $10,000.

2.50%

annual percentage yield* (APY)

point of sale

convenient solutions

no fees

No monthly service fees**

MONTHLY FEE
X
BALANCE REQUIREMENT
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
EARNS INTEREST
QUALIFICATIONS NOT MET
YES

  • Tier 3 – 0.05% APY* on all balance

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  • 10 monthly debit card purchases withdrawn from account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

DEBIT CARD
FREE
ONLINE BANKING
FREE
MOBILE BANKING***
FREE
BILL PAY
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.
OVERDRAFT****
$200.00 Overdraft Privilege
Savings ODP available
Line of Credit, with credit approval
MONTHLY STATEMENT
E-STATEMENTS
OPENING DEPOSIT
$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***

*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.

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

ZYDECASH is made for Louisiana by Louisiana’s Community Bank™, and it’s better than lagniappe.

ZYDECASH includes high-yield checking and savings accounts with a free debit card, free monthly checking, free online and mobile banking**, and all the support and convenience that is the tradition of service at JD Bank.

ZYD
ECASH includes refunds on the ATM fees charged by other banks nationwide, has 24/7 online and mobile banking and no monthly service fees. ZYDECASH was designed to help you benefit from the growth potential of your money.

No longer is there the need for a qualification calendar! Transactions must post and settle on the last day of your statement cycle and your interest will be paid that night! ZYDECASH has two statement cycle dates-the 2nd Wednesday and the 4th Wednesday of each month.

TO EARN 2.50% APY*, YOU MUST BE ENROLLED FOR E-STATEMENT NOTICES AND ONLINE BANKING AND MEET THE FOLLOWING TRANSACTION TARGETS EACH MONTHLY QUALIFICATION CYCLE:

  • Have at least 10 debit card purchases withdrawn from your account.
  • Have at least one (1) direct deposit or automatic payment.
  • Receive e-statement notices.
  • Access online banking.***

ZYDECASH CHECKING EARNS YOU:

  • 2.50% APY* on the first $10,000 AND
  • 0.15% APY* on balances above $10,000 when qualifications are met.
  • 0.05% APY* on full balances when qualifications are not met.

OTHER ZYDECASH CHECKING BENEFITS:

  • Refunds on ATM fees nationwide* (See disclaimer for details).
  • No monthly service fees.

Enjoy the sound of high interest clinking into your ZydeCash Checking account.

 

 

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THE PERKS OF BANKING WITH JD BANK.

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