

Ready to open your account? Call us at 304-876-9000, send us an email, or visit one of our locations in Shepherdstown, Martinsburg, Charles Town, Inwood or Sharpsburg to get started.
Checking
JSB Premier Checking
- Packaged account with Premier Savings account
- Minimum to Open: $50.00
- Monthly Service Charge: $5.00 or less
(1) For one direct deposit per statement cycle, the service charge amount will be reduced by $2.50; and/or
(2) for each posted point of sale (POS) debit card transaction per statement cycle, the service charge amount will be reduced by $0.50 until the service charge amount reaches zero. - Requirements: Enrollment in online banking and paperless statements is required.
- Statement Processing Fee: If online banking is inactive for 180 days, you will be subject to a $3.00 statement processing fee.
- Refund Foreign ATM Fees: Up to $10.00 in fees will be refunded per month upon request.
JSB Simple Checking
- Minimum to Open: $50.00
- Monthly Service Charge: No monthly service charge or transaction fees.
- Statement Processing Fee: $3.00 per statement cycle, waived with enrollment in paperless statements.
JSB Senior Checking
- Minimum to Open: $50.00
- Monthly Service Charge: No monthly service charge or transaction fees.
- Requirements: Primary account holder must be age 62 or over.
- Statement Processing Fee: Paper statements are provided at no charge, with the option to enroll in free paperless statements.
- Check Orders: Eligible for one box of checks at no charge per calendar year.
- Waive CD Penalty: Eligible for waiver of one CD early withdrawal penalty per year on withdrawals up to $10,000.00.
JSB Interest Checking
- Minimum to Open: $50.00
- Monthly Service Charge: $7.50 if the average daily balance falls below $1,000.00.
- Transaction Fees: $0.20 for every debt transaction if average daily balance falls below $1,000.00.
- Earns Interest: Tiered interest rates depending on balance level.
Tier 1: $0 - $24,999.99
Tier 2: $25,000.00 and above - Statement Processing Fee: $3.00 per statement cycle, waived with enrollment in paperless statements.
JSB Youth Checking
- Minimum to Open: JSB will make the first deposit of $5.00.
- Monthly Service Charge: No monthly service charge or transaction fees.
- Requirements: Must be between the age of 14-17 with a secondary account holder age 18 or over.
- Statement Processing Fee: $3.00 per statement cycle, waived with enrollment in paperless statements.
Complimentary Services
This one’s on us! Services that are available to you at no charge, courtesy of JSB.
- Online & Mobile Banking
- Online Bill Pay
- Mobile Check Deposit
- 24-Hour Telephone Banking System
- Paperless Statements
- Mobile Wallet Enabled
- Person-to-Person Transfers
- Notary Services
- Quicken® and QuickBooks® Integration