Personal Checking Brochure 09262018

Perso nal Checking

JDBANK.COM | 800-789-5159

JD BANK HAS A CHECKING ACCOUNT WITH GREAT BENEFITS THAT WORKS FOR YOU! JD Bank offers a variety of personal checking accounts to help you access and manage your money when you want and how you want.

Because different people have different needs, JD Bank has a checking account for everyone, and we make it easy to find the account that is the best fit for you.

JD Bank’s full-featured personal checking accounts offer many valuable features like ATM cards, free online banking and much more to complement the checking account you select.

ZYDECASH CHECKING*

Let the good times roll with the high-interest yields of ZydeCash!

Squeeze more green into your accounts with ZYDECASH – free high-interest checking that can reward you to the tune of 2.51% annual percentage yield* (APY) every monthly qualification cycle on balances up to $10,000.

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ZYDECASH was made for Louisiana by louisiana’s community bank ™, and it’s better than lagniappe. ZYDECASH includes a free debit card, free monthly checking, free online and mobile banking**** and no minimum balance to earn interest.

FEATURES OF ZYDECASH CHECKING: • • • • •

High interest bearing checking with a monthly qualification cycle.

No monthly service fees Access to online and mobile banking No minimum balance required ZYDECASH includes refunds on 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.

Visit JDBank.com for more information.

To earn the 2.51% APY* on your ZYDECASH checking account, you must meet the following transaction targets each monthly qualification cycle: • • • •

Have at least 10 debit card transactions Have at least one direct deposit or automatic payment Receive e-statement notices Access online banking

ZYDECASH CHECKING EARNS FOR YOU WITH: • • •

2.51% APY* on the first $10,000 0.15% APY* on balances above $10,000 when qualifications are met 0.05% APY* on full balances when qualifications are not met

JD BANK SECURE CHECKING**

Offers additional fraud protection and many other convenient benefits.

JD Bank Secure Checking offers many convenient features while also strengthening your account’s protection. With online and mobile banking****, bill pay and mobile deposit, overdraft protection and a free debit or ATM card, Secure Checking also has added fraud recovery assistance, and to reduce your fee, just sign up to receive an e-statement and use your debit card.

FEATURES OF SECURE CHECKING • • • • • • • •

Fraud recovery program $500 overdraft protection Free online banking Free mobile banking with mobile deposit**** Free bill pay ($4 value) Free ATM or Debit Card (debit card $12 value) Free checks (120 per order, style WOX) $7.00 per month

REDUCE YOUR FEE • •

$2.00 credit each month for accepting an e-statement. $0.20 credit per swipe (max $5 credit) (No credits for ATM withdrawals. No bonus credits once fee is waived.)

JD BANK BASIC CHECKING***

Checking made easy by JD Bank If you need a low-cost, no-frills checking account, then JD Bank Basic Checking is for you. With Basic Checking you get full access to free online and mobile banking**** with mobile deposit, $200 overdraft protection and a free ATM card. It’s the ideal account for your standard needs, and JD Bank’s online banking tools will help you monitor your spending, pay your bills, deposit checks, and more. By signing up for an e-statement and using your debit card, you may reduce your fee each month.

FEATURES OF BASIC CHECKING • • • • •

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

REDUCE YOUR FEE • •

$2.00 credit each month for accepting an e-statement $0.20 credit per swipe (max $1 credit) (No credits for ATM withdrawals. No bonus credits once fee is waived.)

ELECTRONIC TRANSFER ACCOUNT (ETA)

Designed for those receiving federal benefit, wage, salary or retirement payments.

This account allows recipients to receive federal payments electronically in accordance with the Electronic Funds Transfer (EFT) provision of the Debt Collection Improvement Act of 1996 (DCIA).

FEATURES OF ETA CHECKING • • • • • • •

A federal recurring direct deposit is required to open the account All banking activity must be done electronically with an ATM card No minimum balance is required Monthly statement provided $1 required to open an account No debit card $3 monthly service charge

JD BANK CUSTOMERS HAVE ACCESS TO OVER 500 ATMS IN SEVEN STATES

COMMUNITY CASH

JD Bank is a member of the “Community Cash” network. Member banks provide their customers “free ATM transactions” at over 500 ATM locations in seven states. You can locate the nearest “Community Cash” ATM by using the Locate an ATM page at JDBank.com.

QUESTIONS? SEE A JD BANK ADVISOR CALL 800-789-5159 OR VISIT JDBANK.COM

Visit JDBank.com for more information.

FOR INFORMATION, VISIT JDBANK.COM OR CALL 1-800-789-5159.

ZYDECASH CHECKING DISCLAIMER* *Minimum to open account is $25 for ZydeCashSM Checking and $25 for ZydeCashSM Savings. Annual Percentage Yield (APY) accurate as of 12/1/2016. ZydeCash Checking rate tiers are as follows: 2.51% 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. 0.05% APY applies to all balances if qualifications are not met. All balances will earn 2.51% APY – 0.15% APY if qualifications are met. The advertised ZydeCash Checking APY is based on compounding interest. The interest earned in ZydeCash Checking is automatically transferred to ZydeCash Savings each statement cycle and does not compound. 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: 0.76% 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. 0.05% APY applies to all balances if qualifications are not met on ZydeCash Checking. All balances will earn 0.76% APY – 0.15% APY if qualifications are met on ZydeCash Checking.

Qualifying transactions must post and settle in ZydeCash Checking during monthly qualification cycle. Transactions may take one or more banking days from 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 transactions. Rates may change after account is opened.

Fees may reduce earnings. Unlimited domestic ATM Fee refunds (ZydeCash Checking account only) provided only if qualifications are met within monthly qualification cycle. Limited to one account per social security number. Overdraft and returned item fees may apply. Mobile carrier charges may apply.

JD BANK SECURE CHECKING DISCLAIMER**

*$25 required to open account. Overdraft and returned item fees may apply.

Mobile carrier charges may apply.

JD BANK BASIC CHECKING DISCLAIMER***

*$25 required to open account. Overdraft and returned item fees may apply.

Mobile carrier charges may apply.

MOBILE CARRIER CHARGES MAY APPLY****

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©2016, Jeff Davis Bancshares

JDBPC (12/2016)