G.W. Jones Exchange Bank

Online Banking Coming Soon

To open a deposit account, simply visit any of our branches during regular business hours and have your valid government-issued identification available, as well as your social security number.

Checking
Savings
Certificates of Deposit
Individual Retirement Accounts (IRAs)

Regular Checking

$50 minimum deposit to open
No minimum balance
ATM/Debit card available
Overdraft/Ready Reserve account available
Online Banking and Bill Pay services available without a fee
Maintenance fee charged each statement cycle

Senior Checking

Available to customers age 55 and older
$50 minimum deposit to open
No minimum balance
ATM/Debit card available
Overdraft/Ready Reserve account available
Online Banking and Bill Pay services available without a fee
No monthly maintenance fee if eStatements or paper statements without images chosen by customer

Interest Earning Checking

$50 minimum deposit to open
$500 minimum daily balance to avoid low balance fee
$500 minimum daily balance to obtain the disclosed annual percentage yield
Interest compounded and credited monthly
ATM/Debit card available
Overdraft/Ready Reserve account available
Online banking and Bill Pay services available without a fee
No monthly maintenance fee if eStatements or paper statements without images chosen by customer

Super Interest Earning Checking

$50 minimum deposit to open
$2,500 minimum daily balance to avoid low balance fee
$2,500 minimum daily balance to obtain the disclosed annual percentage yield
Interest compounded and credited monthly
ATM/Debit card available
Online banking and Bill Pay services available without a fee
No monthly maintenance fee if eStatements or paper statements without images chosen by customer

Business Checking

$50 minimum deposit to open
No minimum balance
ATM/Debit card available in authorized signer’s name
Online banking services available without a fee
Maintenance fee charged each statement cycle
ACH Origination for payroll is available

Business Interest Earning Checking

Available to DBA Sole Proprietorships, Sole Proprietorships, and Non-Profit Organizations that meet 501(c) eligibility requirements
$50 minimum deposit to open
$500 minimum daily balance to avoid low balance fee
$500 minimum daily balance to obtain the disclosed annual percentage yield
Interest compounded and credited monthly
ATM/Debit card available in authorized signer’s name
Online banking available without a fee
No monthly maintenance fee if eStatements or paper statements without images chosen by customer
ACH Origination for payroll is available

Business Super Interest Earning Checking

$50 minimum deposit to open
$2,500 minimum daily balance to avoid low balance fee
$2,500 minimum daily balance to obtain the disclosed annual percentage yield
Interest compounded and credited monthly
ATM/Debit card available in authorized signers’ name
Online banking available without a fee
Transaction limitations apply
No monthly maintenance fee if eStatements or paper statements without images chosen by customer
ACH Origination for payroll is available

Corporate Checking

Available to Partnerships, LLCs, and Corporations
$50 minimum deposit to open
ATM/Debit card available in authorized signer’s name
Online banking available without a fee
Maintenance fee charged each statement cycle
$.15 per debit fee assessed monthly
ACH Origination for payroll is available

Student Checking

Available to customers ages 16-24 who are attending college
Customers under 18 must have parent or legal guardian on the account
Customers must enroll for Online Banking and eStatements
$50 minimum deposit to open
No minimum balance fee
ATM/Debit card may be issued if the student is 18 or older
Online Banking and Bill Pay services available without a fee
No monthly maintenance fees
No ATM fees (our bank)
No transfer fees
Account will be converted to a Regular Checking with fees and terms to apply at the time of graduation or 5 years after the account is opened

Statement Savings

$50 minimum deposit to open
$50 minimum daily balance to obtain the annual percentage yield
$500 minimum daily balance to avoid monthly service fee
Monthly service fee waived for customer age 55 or older when requested
Interest compounded and credited quarterly
Quarterly statements (monthly Reg E statements)
ATM card available
Online banking available without a fee
Excess debit fees may apply to certain types of transactions

Minor Savings

Available to minors under the age of 18
$5 minimum deposit to open
$50 minimum daily balance to obtain the annual percentage yield
Interest compounded and credited quarterly
Quarterly statements (monthly Reg E statements)
Online banking available to an adult secondary owner without a fee
Excess debits fees may apply for all types of transactions

Business Statement Savings

$50 minimum deposit to open
$50 minimum daily balance to obtain the annual percentage yield
$500 minimum daily balance to avoid monthly service fee
Interest compounded and credited quarterly
Quarterly statements
Online banking available without a fee
Excess debit fees may apply to certain types of transactions

Club Savings

Specialized savings for Holiday spending needs
$1 minimum deposit to open
Deposits to account made from another deposit account at G. W. Jones Exchange Bank
Interest posted at maturity
Principal balance plus interest paid annually
Withdrawals will result in account closing
Early closing fees apply

Student Savings

Available to customers ages 16-24 who are attending college
Customers under 18 must have a parent or legal guardian on the account
Customers must enroll for Online Banking and eStatements
No minimum balance fees
No monthly maintenance fees
No ATM fees (our bank)
No transfer fees
ATM card may be issued if the student is 18 or older
Online Banking services available without a fee
$50 minimum deposit to open
$50 minimum daily balance to obtain the annual percentage yield
Interest compounded and credited quarterly
Quarterly statements (monthly Reg E statements)
Excess debit fees may apply to certain types of transactions
Account will be converted to a Regular Savings with fees and terms to apply at the time of graduation or 5 years after the account is opened

Certificates of Deposit

$500 minimum deposit to open
Many terms available
Interest may be compounded or transferred to another deposit account at G. W. Jones Exchange Bank
Interest may be paid by check if the principal amount of the Certificate of Deposit is $10,000 or more
Subject to early withdrawal penalties
Please see our “Deposit Rates” for current rate and term information

Individual Retirement Accounts (IRAs)

Uses a Certificate of Deposit as its savings vehicle
Traditional IRAs available
Age 59 ½ and over not subject to early withdrawal penalty
Please see our “Deposit Rates” for current rate and term information

Subject to all applicable federal laws governing IRA administration.

G.W. Jones Exchange Bank

CUSTOMER AWARENESS

Equal Housing Lender

Member FDIC

NOTICE: G.W. Jones Exchange Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments.