Personal Checking Accounts

Get to know all our checking accounts to be sure you have the best mix of financial features for your needs.

If you have questions, or are ready to open your new account, you can begin the process by calling our Client Resource Center at 717-274-5180 (option 1) to speak to one of our Client Resource Center Specialists. You may also book an appointment at one of our local JBT Branches by clicking on the "Schedule Appointment" button at the top of this page.

JBT Free Checking

Enjoy freedom from minimum balance requirements and no monthly service charge.


Differentiating Features (Standard Features)

  • No minimum balance requirements
  • Does not earn interest
  • No monthly service charge
  • FREE 1st box of standard checks

JBT Direct Interest Checking

Earn interest with the convenience of direct deposit or any automatic payment


Differentiating Features (Standard Features)

  • No minimum balance requirements
  • No monthly service charge
  • FREE 1st box of standard checks
Qualifications: Direct Deposit or an automatic payment

JBT 50+ Interest Checking

Take advantage of dependable interest.


Differentiating Features (Standard Features)

  • No minimum balance requirements
  • No monthly service charge
  • FREE standard checks (one box per order)

Qualifications: For customers age 50 or better.

JBT Preferred Interest Checking

JBT Preferred Interest Checking offers a smart combination of tiered interest-earning power and easy access to funds.


Differentiating Features (Standard Features)

  • $1,500 minimum balance to avoid a monthly service fee
  • Higher interest rate on balances over $1,500
  • Free standard checks (one box per order)

Compare Personal Checking Accounts

Account Min. Bal. to Avoid Fee Min. Bal. to Open Account Min. Bal. to Earn Interest/Tiers Annual Percentage Yield Requirements Benefits
JBT Free Checking None $50 None None None Free 1st box of standard checks4
JBT Direct Interest Checking None $50 All Balances 0.01%1 Direct Deposit or Automatic Payment Free 1st box of standard checks4
JBT 50+ Interest Checking None $50 All Balances 0.02%2 Age 50 or better Free Standard Checks4 (one box per order)
JBT Preferred Interest Checking $1,500 to avoid monthly service fee3 $50 $0.01 - $1,499.99
$1,500 and up

 
0.03%3
0.05%3
None Free Standard Checks4 (one box per order)

JBT Free Checking

Min. Bal. to Avoid Fee
None
Min. Bal. to Open Account
$50
Min. Bal. to Earn Interest/Tiers
None
Annual Percentage Yield
None
Requirements
None
Benefits
Free 1st box of standard checks4

JBT Direct Interest Checking

Min. Bal. to Avoid Fee
None
Min. Bal. to Open Account
$50
Min. Bal. to Earn Interest/Tiers
All Balances
Annual Percentage Yield
0.01%1
Requirements
Direct Deposit or Automatic Payment
Benefits
Free 1st box of standard checks4

JBT 50+ Interest Checking

Min. Bal. to Avoid Fee
None
Min. Bal. to Open Account
$50
Min. Bal. to Earn Interest/Tiers
All Balances
Annual Percentage Yield
0.02%2
Requirements
Age 50 or better
Benefits
Free Standard Checks4 (one box per order)

JBT Preferred Interest Checking

Min. Bal. to Avoid Fee
$1,500 to avoid monthly service fee3
Min. Bal. to Open Account
$50
Min. Bal. to Earn Interest/Tiers
$0.01 - $1,499.99
$1,500 and up

 
Annual Percentage Yield
0.03%3
0.05%3
Requirements
None
Benefits
Free Standard Checks4 (one box per order)

Every JBT Personal Checking Account Includes

  • FREE Thank You Gift7
  • Buy back of your unused checks and debit cards from another financial instituions8
  • ATM use with no JBT service fees
  • FREE JBT 24-hour access line (telephone banking)
  • Available overdraft protection with another JBT deposit account, with approved line of credit or Overdraft Privilege

Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. Minimum opening deposit of $50.

1Variable Rate Account – The interest rate and annual percentage yield may vary. At our discretion, we may change the interest rate on the account at any time after the account is opened. Fees may reduce earnings. APYs accurate as of 10/12/20. Subject to change without notice.

2Variable Rate Account – The interest rate and annual percentage yield may vary. At our discretion, we may change the interest rate on the account at any time after the account is opened. Fees may reduce earnings. APYs accurate as of 10/12/20. Subject to change without notice.

3Variable Rate Account – The interest rate and annual percentage yield may vary. At our discretion, we may change the interest rate on the account at any time after the account is opened. Fees may reduce earnings. Account requires a minimum balance of $1,500.00 in the JBT Preferred Interest checking account each day to avoid a monthly service charge. APYs accurate as of 10/12/20. Subject to change without notice.

4Offer does not include special monograms, wood cuts, or specialty checks.

5Discover® and the Discover Acceptance Mark are service marks used by Jonestown Bank & Trust Co. under license from Discover Financial Services. No JBT fees, other bank fees may apply.

6Third party charges for data and messaging may apply.

7Offer applies to new consumer or business checking accounts only. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. JBT reserves the right to substitute a gift of similar value.

8Buy Back offer applies to new consumer or business checking only. Credit will be applied to your new checking account at the time unused checks and debit cards are turned in to a JBT employee. The amount of the credit is based on the number and type of items turned in.