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JD Bank Online User Agreement

[/vc_column_text][/vc_column][/mk_page_section][vc_row][vc_column][mk_padding_divider size=”60″][/vc_column][/vc_row][vc_row][vc_column width=”2/3″][vc_column_text disable_pattern=”false”]You agree that any information, disclosures, notices, data or supplemental information to or under this Agreement or by law or regulation or any amendments to this Agreement may be sent to you by electronic communication, including E-mail to you or by posting on JD Bank’s website.

You acknowledge that you have read and understand and agree to the terms, conditions, provisions, rules and policies disclosed under this Agreement prior to your first attempt to access your online accounts. At the end of this document, you may either “Accept” the agreement and continue with your log on or “Decline” the agreement and return to the online banking page.

You may download and print copies, for personal use only, of any part of the Agreement to keep on file.

Contents of JD Bank Online Banking Agreement

  1. Introduction to JD Bank Online Banking
  2. Terms and Conditions
  3.  Accessing Your Bank Accounts
  4. JD Bank Bill Pay
  5. Mobile Remote Deposit
  6. Security
  7. General Terms and Disclosure

Introduction to JD Bank Online Banking

This Internet Banking and Bill Payment Agreement (this “Agreement”) states the terms and conditions for JD Bank On-line services offered by the JD Bank of Jennings, Louisiana (the “Bank”). When you use, or you permit any other person(s) to use, JD Bank On-line Banking and JD Bank On-line Bill Payment (collectively, “Online Services”), you agree to the terms and conditions of this Agreement. These terms and conditions are in addition to those that apply to any accounts you have with the Bank. This Agreement is an addendum to the existing Deposit Account Agreement that you received when opening your depository account, as amended from time to time. If there is a conflict between the terms and conditions of this agreement and one contained in the other agreements between us, this agreement will control.

As used in this Agreement, “you” or “your” refers to each person(s) subscribing to, using or accessing JD Bank On-line Services; “we,” “us” or “our” refers to the Bank and any agent, independent contractor, designee, or assignee the Bank may, in its sole discretion, involve in the provision of JD Bank On-line Services.

Terms and Conditions

The following terms and conditions apply to your access to and use of the JD Bank Online Banking website (Site). By accessing any page of our Site, you agree to be bound by these terms and conditions. JD Bank reserves the right to revise these terms and conditions, without prior notification, at any time.

If you purposefully harm the JD Bank Online Banking website with malicious intent such as “hacking” or attempting to access unauthorized areas or intentionally attempt to harm the Site with a virus, we reserve the right to pursue, prosecuting you to the fullest extent of the law.

JD Bank is not responsible if you download a file from the Online Banking website that includes a virus.


Information and materials of the Bank are protected by federal copyright laws. You may copy information from the website for your personal use only, provided that each copy includes any copyright or trademark as they appear on the pages copied. The information and materials may not be copied, displayed, distributed, downloaded, transmitted, or otherwise used for public or commercial purposes without the express written permission of JD Bank.

Warranty Disclaimer

The information, materials, and functions contained in our website are subject to change and are provided without warranties of any kind. The Bank does not warrant the adequacy, accuracy, or completeness of the information and materials included in our Site. The Bank disclaims any liability for any errors or omissions in information, materials, and functions included in our Site.

Liability Disclaimer

The bank will not be liable for any damages or lost profits arising from the use of our Site, any interruption in the availability of our Site, delay in operation or transmission, loss of data, or other events arising from use of our Site, even if the Bank has been advised of the possibility of such damages or loss. JD Bank is not responsible if you download a file from the Online Banking website that includes a virus.

Third Party “Linked” Websites Disclaimer

The Bank will not be liable for any errors, omissions, loss of data, materials or functions by third party sites linked to or from our Site and operated by other entities. Third party websites linked to or from our Site are the responsibility of those other entities and the Bank does not endorse the sites even if a link is established between the Bank’s website and the website of the other entity.

It is the policy of JD Bank to fully comply with and promote the spirit of the Real Estate Settlement Procedure Act (RESPA). The Bank does not provide links to or from our Site to any entity that would in turn provide the bank with compensation when soliciting real estate mortgage lending. It is our policy to fully comply with prohibition on referral fees, kickbacks, and fee splitting.


You may communicate with the Bank through our Site, subject to the following conditions:

Accessing Your Bank Accounts

System Requirements

To access Online Banking you must have a browser that supports 128 bit encryption. There are upgrades for Apple Safari 7.0, Apple Safari 8.0, Google Chrome, Microsoft Edge, Microsoft Internet Explorer 11.0 or Mozilla Firefox, which provide this encryption.

If you wish to use a different browser, you will need to contact the provider of the browser you wish to use to get the proper 128-bit encryption.

Account Access

You must have access to the Internet and at least one Eligible Account with us in order to use Online Services. (Depending upon the Online Services you utilize, one or more of your Eligible Accounts must be a deposit account.) If you are an authorized signer or borrower on more than one Eligible Account, we will automatically link such additional Eligible Accounts (collectively, “Linked Accounts”) to your Online Service access. If you have additional eligible personal accounts that do not show when you access Online Services, please call us at (800)789-4490 or write us at JD Bank Customer Service, P.O. Box 730, Jennings, LA 70546 to update your linked accounts. Accounts that are not Linked Accounts will not be accessible through Online Services. For purposes of this Agreement, an Eligible Account is a checking, money market, savings, or time deposit account for which you are an authorized signer, and for which, according to our records, you have authority, acting alone, to conduct all depositor-initiated transactions on such account; or a consumer or mortgage loan on which you are a borrower.

Access Codes

Security of your transactions is important to us. During your enrollment for the Online Services, you are required to select an access ID and a password (collectively, the “Access Codes”).

Your access ID must be at least six and no more than twelve characters in length. The access ID can be a combination of letters (upper and/or lower case) or numbers. Special characters/symbols and blank characters are not allowed.

Your password must be at least ten and no more than seventeen characters in length. The password must be a combination of letters and numbers, containing at least one number and at least one alpha character that’s uppercase and one that’s lowercase. Blank spaces are not allowed.

You should select your Access Codes carefully and avoid selecting names, dates and information for your Access Codes that may easily be guessed.

You acknowledge that the establishment of and requirement for inputting your Access Codes as a means of accessing Online Services is the agreed upon and reasonable security procedure, given the nature of services provided and the limitation of Eligible Accounts. We may accept as authentic any instructions given to us online through the use of your Access Codes.


There are no periodic or transaction fees for accessing your account(s) through JD Bank Online Banking. See the section titled JD Bank Bill Pay for Bill Pay Fees. All other fees, as applicable and described in “Your Account Terms and Conditions” disclosures, will be charged to you as normally applied.

Be advised that fees may be assessed and billed to you for time spent on Online Banking, via internet access, separately by your online service provider.
h3>Communicating With Us and Electronic Mail (E-mail)

Sending us an email is a way of communicating with the Bank’s customer support personnel. You may contact us 24 hours a day, 7 days a week via email. We will respond to your email inquiry, response or comment during regular business hours.

You can also contact us directly via Internet email at . You cannot use E-mail to conduct transactions on your account(s). For account transactions please use the applicable functions within JD Bank Online Banking, Telebank at (800) 789-1335 or by calling customer service at (800) 789-4490.

If you need to communicate personal or confidential information, please use a secure email service.

JD Bank Bill Pay

What is Bill Pay

JD Bank Bill Pay service allows you to schedule your bill payments automatically through JD Bank Online Banking. You can schedule, at your option, the payment of current, future and recurring bills from your checking account at JD Bank. The Bank will debit your account, ON THE DATE YOU SPECIFY , and send by mail a check to your payee the next business day. The details of restrictions, your responsibilities and JD Bank’s responsibilities are outlined in detail below.

Who Can Use Bill Pay

You must have a checking account with JD Bank to use bill pay. If “two signatures” or more are required to withdraw funds from your checking account, all signers on the account are prohibited from using bill pay.

Using Bill Pay

There is no limit to the number of bill payments that you may authorize. However, the types of payees of your payments are limited and exclude the types indicated in the notice below. If you set up Pay to a prohibited payee we will not be liable for any fees or charges incurred as a result of the prohibited payee transaction(s).


By initiating a Bill Pay scheduled transaction and furnishing us with the names of your payees/merchants and their addresses, you authorize us to follow the payment instruction to these payees/merchants that you provide us via JD Bank Online Banking. When we receive a payment instruction for a current or future date we will remit the funds to the payee on your behalf from the funds in your selected checking account on the day you have instructed the payment to be sent (“Payment Date”). The amount you indicate for payment is charged against your account’s “Available Balance”. If your account does not have “Sufficient Funds” in the available balance, the payment will not be processed. Our system will attempt to process the payment for seven (7) consecutive business days. A written notice, informing you of the insufficient funds status, will be sent to you after the second day’s payment attempt and after the seventh day’s payment attempt. After the seventh attempt, the scheduled payment will be cancelled. In this event we will also not be liable for fees or charges incurred.

“Payment Date”

Funds for all bill payments (whether these payments are made by us electronically or mailed by check) will be withdrawn from your account’s “Available Balance” ON THE DAY that the payment is scheduled to be sent to the payee.

“Available Balance”

Your Available Balance is the balance according to our funds availability schedule of processing your deposits. You must be certain that there are adequate available funds in your account on the date your bill payment is scheduled.

“Sufficient Funds”

The account to be charged against a bill payment must have enough money (sufficient funds) to cover the charge on the day the payment is scheduled.

Scheduling Bill Payments

Any payments made with JD Bank Bill Pay require sufficient time for your payee to receive the payment and credit your account properly. To avoid incurring a finance charge with your payee, you must schedule a payment sufficiently in advance of the due date of your payment. When you schedule payments: YOU MUST SCHEDULE THE PAYMENT AT LEAST SEVEN (7) FULL BUSINESS DAYS PRIOR TO THE DATE THE PAYMENT IS DUE AT YOUR PAYEE. We recommend seven (7) to ten (10) days for most vendors. Our experience with large national companies (ex: credit card, mortgage) is that they take even longer to process. Please allow ample time in order to prevent any late fees or penalties.

Example: Mr. Thibodeaux has a monthly telephone service payment due on the 15th of each month. He knows that the minimum advance time to schedule a bill payment is at least 7 and up to 10 business days prior to the due date. Mr. Thibodeaux’s telephone service billing address is in Louisiana so he schedules his payment for the 6th of the month (7 business days in advance of the due date). He also has a credit card payment due on the 20th of each month. This credit card company is a national company with an out of state billing address. Therefore, he schedules his payment for the 6th of the month (10 business days in advance of the due date). This way he is allowing ample time for processing and mailing.

Stopping or Changing Bill Payments

You have the right to stop or change any scheduled payment. You must contact us no later than 2:00 PM (Central Standard Time) on the preceding day for which the applicable payment is scheduled. Calling on the day of a scheduled payment is too late.

JD Bank and Your Responsibilities

If you have scheduled a bill payment in a timely manner (as described above) to an accepted payee and the payment is not paid on time, or in the correct amount, JD Bank will bear responsibility for late charges subject to the eight (8) exceptions stated below.

It is the policy of JD Bank to put forth our best efforts to make sure all your payments are processed accurately and timely. However, JD Bank shall incur no liability if it is unable to complete any payments initiated by you via Online Banking because of the existence of one or more of the following circumstances:

Bill Pay Fees

The fee for using Bill Pay is $4.00 per month for up to 15 transactions and $0.40 for each additional transaction. Your account will be charged the scheduled fee monthly*.

*The Bill Pay fee will be charged to your account on the last business day of the month. This fee will be charged each month regardless of your bill payment scheduling activity. The Bill Pay fee will continue even if you do not use Bill Pay once you have established the service. If you decide to stop using the service, you must notify us to cancel your bill payment monthly fee via email or see the Communicating With Us and Email section above.

The Bill Pay fee is accessed on a per user basis. In regards to joint accounts, each registered Bill Pay user will be charged the monthly fee.

Joint Membership

The JD Bank Online Banking Agreement definition of “You” means each signer on an account. The terms of the Agreement extend to all signers on the account(s) you are accessing on Online Banking. The same applies to the Bill Payment responsibilities. Each Bill Pay member can consist of single or joint signers of an account. Joint owners (members) share the same payee list (when using Bill Pay), and are subject to the joint tenancy rules contained in the “Account Terms and Conditions” disclosure agreement for that checking account. Any account owner may close the JD Bank Bill Pay service and any owner may authorize transfers to or from the joint account.

Each member (signer on account) is assigned a unique (individual) JD Bank Online Banking password. Since joint signers on an account share the responsibilities with all signers on the account, the terms and conditions of this Agreement apply to all signers.

Passwords are unique to each user accessing Online Banking. For joint and multiple signer accounts, each signer is assigned a unique access ID and password and is responsible for the confidentiality of their individual access ID and password. Access IDs and Passwords must never be compromised or shared with any other person or signer on an account.

JDMobile Remote Deposit Capture Service Agreement

This JDMobile Remote Deposit Capture Service Agreement (the “Agreement”) reflects the terms and conditions of the JDMobile Remote Deposit Capture Service (the “Service”) that we have agreed to provide to you. Other agreements that you have entered into with us, including the Deposit Account Agreement and Disclosure, which governs your deposit accounts (the “Account”) with us, are incorporated by reference and made a part of this Agreement. In this Agreement, “you” and “your” refer to the Accountholder(s) and authorized signer(s) on the Account who are Service users, and the terms “we,” “us” and “Bank” refer to JD Bank.

The Service

The Service is designed to increase convenience for our JD Online Banking depositors. It allows you to deposit checks (“original checks”) from home or other locations to your JD Bank Accounts that you can access through JD Online Banking (the “Accounts”). In order to utilize the Service, an Accountholder or an authorized signer on the Account must first log onto JD Online Banking and download the Mobile Banking Application (the “App”) to your Mobile or Mobile Computing Device. You may then create a digital image by scanning an original check and deliver the digital image and related deposit information (“image”) to us via the Service, using your device.

Your use of the Service constitutes your acceptance of this Agreement. We reserve the right, in our sole discretion, to add, modify and/or eliminate Service features. Any change will apply prospectively on the effective date of the change, and will apply only to your future use of the Service. Your continued use of the Service will indicate your acceptance of any such change to the Service and/or this Agreement.

Eligible Items

You agree to use the Service exclusively to scan and deposit a “check,” as defined by Regulation CC, which includes “a demand draft drawn on … an office of a bank “or other financial institution (12 CFR 229.2(k)), that is payable to an Accountholder or an authorized signer on the Account. When you scan an original check and transmit it to us via the Service for subsequent presentment and collection, it will thereafter be deemed an “item” within the meaning of Articles 3 and 4 of the Uniform Commercial Code.

Limitations of Service

You may occasionally experience technical or other difficulties when using the Service. We will attempt to promptly post an alert on our website. However, we assume no responsibility for any technical or other difficulties or any resulting damages that you may incur as the result of a service interruption. We also reserve the right to, suspend or discontinue the Service, in whole or in part, or to terminate your use of the Service, in whole or in part, immediately and at any time without prior notice to you.

Deposit Limits

Deposits made through the Service by all Service users may not exceed an aggregate of $1,000 per calendar day in each Account for all account types, subject to an aggregate limit of $3,000 per calendar month. We may reject your deposit if you attempt to utilize the Service to initiate a deposit in excess of these limits. If we permit you to utilize the Service to make a deposit in excess of these limits, that deposit will still be subject to the terms of this Agreement, and we will not be obligated to accept future deposits made through the Service that exceed these established limits. We may modify these limits at any time without prior notice to you. You may comply with the deposit limits by using the App to monitor all deposits made to your Accounts through the Service over the prior 30 days.

Ineligible Items

You agree that you will not use the Service to deposit any of the following types of checks, which are considered to be ineligible item for purposes of the Service:

Endorsements and Procedures

You agree to endorse each check deposited into a consumer account transmitted through the Service with the following endorsement:

Back of check:
Your signature

You agree to endorse each check deposited into a non-consumer account transmitted through the Service with the following endorsement:

Back of check:
Business name

You agree to follow any and all other procedures and instructions for use of the Service that we may establish from time to time. You will be liable for any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you or the maker on the original check.


Each image must provide us with all of the information that appears on the front and back of the original check at the time it is given to you by the drawer, including, but not limited to, information about the drawer and the paying bank that is preprinted on the original check, MICR information, signature(s), any required identification written on the front of the original check and any endorsements applied to the back of the original check. The image quality of an item transmitted using the Service must be legible, as determined in the sole discretion of the Bank. Without limiting the foregoing, an item’s image quality must comply with the requirements established by the Bank, American National Standards Institute, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association.

Receipt of Items

We reserve the right to reject any image transmitted through the Service, at our discretion, without liability to the Bank. We are not responsible for images we do not receive, such as an image that is dropped during transmission. An image will be deemed received when you receive our confirmation of receipt, as reflected by the “Delivered” icon located directly to the left of the “Deposit History” details on the App. Receipt of such confirmation does not mean that the transmission was error-free, complete or that it will be considered a deposit and credited to your Account. We reserve the right to charge back to your Account at any time any image that is subsequently returned to us or that we subsequently determine is not an eligible item. You agree and accept the responsibility for monitoring your Account statement for unaccepted or charged back mobile deposit items. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of our chargeback of an image that is returned to us or is otherwise deemed to be an ineligible item.

Availability of Funds

You agree that items deposited using the Service are not subject to the funds availability requirements of Regulation CC. In general, if we receive and accept an image that you transmit through the Service before 5:30 p.m. Central Time on a business day, we consider that day to be the day of your deposit. If we receive your transmitted image after that time, we will consider that the deposit was made on the next business day. Funds deposited using the Service will generally be made available for withdrawal two (2) business days after the day of deposit. For purposes of funds availability, a business day is Monday through Friday, excluding all federal holidays.

In some cases, we may not make funds deposited using the Service available in accordance with this general availability policy. If this occurs, we will send you a notice informing you when your funds will be available for withdrawal. If you transmit through the Service an image of an item that we have reason to doubt is collectible, we may delay the availability of those funds for a reasonable period of time until the item is either paid or returned. We will notify you of any such action.

The manner in which any item transmitted as an image through the Service is cleared, presented for payment, and collected shall be in the Bank’s sole discretion, subject to the Deposit Account Agreement and Disclosure governing the Account into which the item is deposited. Any credit to your Account for checks deposited using this Service is provisional. If an item transmitted as an image through this Service is dishonored, rejected or otherwise returned unpaid by the drawee bank, or is rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, we will charge back to your Account the amount of the original check. The original check will not be returned to you, but we will provide you with an image or paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or related to processing the returned item. Without our approval, you will not attempt to deposit or otherwise negotiate an original check if it has been charged back to you or denied through the Service.

We may debit any of your Accounts (excluding Tax-favored Accounts) to obtain payment for any item transmitted as an image through the Service that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely.

Disposal of Original Check

After you receive confirmation that we have received and accepted an item that you transmitted as an image through the Service, as reflected by the “Delivered” icon located directly to the left of the “Deposit History” details on the App, you must securely store the original check for 5 business days after transmitting the image to us. During that time, you must make the original check accessible to us at our request. If we request and you fail to provide the original check promptly during this 5-day period, we will deduct the amount of the requested original check from your Account. You agree that, while you retain the original check, you will safeguard it and that, promptly after the 5-day period expires, you will destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check.

You agree that you will never re-present an original check that has been transmitted as an image through the Service. You understand that you are responsible if anyone is asked to make a payment based on an original check that you imaged and transmitted as an image through the Service that has already been paid.


You agree to notify us of any suspected error regarding an item deposited as an image and transmitted through the Service but and in no event later than 60 days after the Account statement that reflects the suspicious transaction is sent to you. Unless you notify us of an error within 60 days after receiving the statement on which it appears, all deposits made through the Service that are reflected on the statement will be deemed correct, and you will be prohibited from bringing a claim against the Bank for any alleged error appearing on that statement.

Errors in Transmission

By using the Service, you accept the risk that an item that you transmit as an image through the Service may be intercepted or misdirected during transmission. The Bank bears no liability to you or others for any such intercepted or misdirected images or information disclosed through such errors.

Your Warranties and Indemnification

You warrant to us that, with respect to each original check that you transmit to us as an image through the Service:

With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us through the service will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. You agree to indemnify and hold harmless the Bank from any loss resulting from your breach of these warranties.

Your Responsibilities

You are solely responsible for the quality, completeness, accuracy, validity and integrity of the image of the original check transmitted through the Service. You are solely responsible if you, intentionally or unintentionally, submit fraudulent, incorrect or illegible images to us or if the Service is used by authorized or unauthorized persons to submit fraudulent, unauthorized, inaccurate, incorrect or otherwise improper or unusable images to us.

In addition you agree that you will not modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Service, copy or reproduce all or any part of the technology or Service; or interfere, or attempt to interfere, with the technology or Service.

Compliance and Cooperation with Law

You will use the Service for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only use the Service to transmit acceptable items for deposit and have handled the original checks in accordance with applicable laws, rules and regulations.

You agree to cooperate with us in investigating unusual transactions or poor quality transmissions, and in the resolution of claims related to items transmitted as images through the Service, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service that are in your possession and your records relating to such items and transmissions.

We and you, as the Service user, represent, warrant and covenant that (i) the Bank or the Service user, as applicable, will comply with all applicable laws, rules, regulations and prevalent industry standards in use of the Service software, including compliance with applicable requirements under state and federal laws and regulations related to data security and nonpublic personal information, as defined or used in such applicable law or regulation; and (ii) we will provide any and all necessary and appropriate notices and obtain all necessary and appropriate consents with respect to its customers.

Unavailability of JD Bank Mobile Remote Deposit Capture Service

The Service may be temporarily unavailable due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that the Service is unavailable, you may deposit original checks at our branches or mail the original checks to us at: 1611 Elton Rd Jennings, LA 70546; Administration Bookkeeping.

Accountholder’s Security Obligations

You must promptly complete each image transmission made through the Service. If you are unable to complete your transmission promptly, you will ensure that your Mobile and/or Mobile Computing Device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits made using the Service. If you learn of any loss or theft of original checks, you must notify us immediately by telephone at (800) 789-5159 or (337) 824-1422 or in writing to 1611 Elton Rd Jennings, LA 70546; Administration Bookkeeping. You must ensure the safety and integrity of original checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.

Accountholder’s Indemnification Obligation

You understand and agree that you are required to indemnify us and hold us harmless against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees and expenses arising from your use of the Service and/or breach of this Agreement.

We may waive enforcement of any provision of this Agreement; however, no waiver of a breach of this Agreement will constitute a waiver of any prior or subsequent breach of the Agreement. Any such waiver will not affect our rights with respect to any other transaction or to modify the terms of this Agreement. If provision of this Agreement is deemed to be invalid, illegal, or unenforceable to any extent, the remainder of the Agreement will not be impaired or otherwise affected and will continue to be valid and enforceable to the fullest extent permitted by law.

You understand and agree that you are required to indemnify our technology partners and hold harmless their affiliates, officers, employees and agents from and against any third party claims, suits, proceedings, actions or demands, including to claims of another financial institution, business entity or governmental authority, and all losses, liabilities, damages, fines, penalties, costs and expenses, including court costs and reasonable attorney fees and expenses, arising from such claims, to the extent such claim is related to FI or End User’s use of the Services, unless such claim directly results from an action or omission made in bad faith by our technology partners.

Ownership & License

You agree that we retain all ownership and proprietary rights in the Service, associated content, technology, and website(s). Your use of the Service is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, your breach of this Agreement immediately terminates your right to use the Service. Without limiting the restriction of the foregoing, you may not use the Service (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to our business interests, or (iii) to our actual or potential economic disadvantage in any aspect. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Service.

Disclaimer of Warranties


Limitation of Liability


Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.


JD Bank Online Banking Security

The Online Banking Security system is equipped with state of the art hardware and software engineered by a leading bank vendor.

JD Bank has implemented firewalls with intrusion detection 24 hours a day 365 days a year.

JD Bank is set up through a Secure Server ID and uses 256-bit SSL encryption to protect our customers’ information.

By using a Secure Server ID, available from as part of its Secure Site and Secure Site Plus solution package, along with 256-bit SSL encryption:

The information that you are sending and receiving while on line with us cannot be intercepted or decrypted by anyone other than the intended recipient.

WWW.JDBECOM.COM is a Comodo Secure Site

Security remains the primary concern of on-line consumers. The Comodo Secure Site Program allows you to learn more about web sites you visit before you submit any confidential information. To verify, please visit


If the information is correct, you may submit sensitive data (e.g., credit card numbers) to this site with the assurance that:

To ensure that this is a legitimate Comodo Secure Site, make sure that:

  1. The original URL of the site you are visiting comes from WWW.JDBANK.COM.
  2. The status of the Server ID is Valid.

Product and Service Disclosure

We reserve the right to change the fees or other terms described in the Agreement at any time. This does not include any changes to your “Account Terms and Conditions” you received when opening your account. Changes in Account Terms will always be mailed to you at least 30 days in advance of the change. Any charges, fees or other terms changed that affect this Site will be posted at this Site.

NOTICE: All transactions conducted over Online Banking are considered by the federal government as electronic “telephonic” transfers and considered “third party transfers” and are limited in number per statement cycle (month) for certain accounts under the Federal Reserve Act (Reg. D). Refer to the disclosure that details the transactions allowed under Reg D that you were provided upon opening a savings, money market or tiered interest account.[/vc_column_text][/vc_column][vc_column width=”1/3″][mk_custom_sidebar sidebar=”sidebar-1″][/vc_column][/vc_row][vc_row][vc_column][mk_padding_divider size=”60″][/vc_column][/vc_row]