Personal Checking

idLOCK Secure ID Checking logo

A secure checking account isn’t a luxury, it’s a necessity. Now you can have it with idLOCK Checking from JVB. idLOCK is accessible through both traditional and electronic channels, and includes identity and fraud monitoring. You, your joint account holder(s), and eligible family members1 can benefit from idLOCK Checking. Here's what we offer:

  • IDProtect® Identity Theft Protection Service:  click here for full information on IDProtect®  (with new cell phone protection and debit advantage)
  • Debit Card Transaction Security Monitoring
  • Online Banking Transaction Security Monitoring
  • New in 2018:  Cell Phone Protection2
  • New in 2018:  Debit Advantage®
  • Free VISA® Check Card or ATM Card
  • Free Online Banking
  • Free Online Bill Pay
  • Unlimited No-Fee Standard POPMoney® Transactions
  • Free Money Management Personal Financial Management Tool
  • Free Mobile Banking
  • Free Mobile Deposit
  • Free Tablet Banking
  • Free Text Message Banking*
  • Unlimited Check Writing
  • Electronic Statement
  • Paper Statement**
  • View our brochure in English; in Spanish

idLOCK PLUS Secure ID Checking logo

idLOCK PLUS is your very best value. Includes all idLOCK features described above PLUS:

  • 50% Discount on Checks or FREE basic checks
  • 4 FREE Non-JVB ATM transactions each statement cycle
  • 2 FREE External Funds Transfers Monthly
  • NO FEE Overdraft Transfers from a JVB Deposit Account to your idLOCK PLUS checking account
  • NO FEE Official checks
  • NO FEE Debit Card Replacement
  • Interest paid on the portion of balances $25,000 or higher

Minimum deposit to open: $50. $7.00 Monthly Fee* applies; fee is waived when $25,000 or more is kept on deposit in this account.


idLOCK INTEREST Secure ID Checking logo

idLOCK INTEREST is for customers who want a competitive rate of interest. Includes all idLOCK features described above PLUS:

  • Interest paid when balance of $2500 or more is kept on deposit

Minimum deposit to open: $50. $5.00 Monthly Fee applies; fee is waived when $15,000 or more is kept on deposit in this account. See current interest rates here


idLOCK SENIOR Secure ID Checking logo

idLOCK SENIOR is for customers age 55 or better and includes all idLOCK features described above PLUS:

  • 50% Discount on Checks or Free basic checks

Minimum deposit to open: $50. A $4.00 Monthly Fee applies.


idLOCK STANDARD Secure ID Checking logo

idLOCK STANDARD comes with all idLOCK features described above.

  • No minimum balance required. Minimum deposit to open: $50. A $4.00 Monthly Fee applies.

BASIC Checking logo

No minimum balance required. Minimum deposit to open: $50. DOES NOT INCLUDE identity theft protection. DOES NOT INCLUDE free paper statement. No monthly fee with electronic statements.  Paper statement available for $2 monthly fee.


Designed to help customers who have experienced financial difficulties, you can restore your finances to good health with the Fresh Start account that fits your needs.  Fresh Start Checking is available in two versions:  Fresh Start Checking and Fresh Start Basic.  Click here to see our brochure.

Fresh Start Checking:  No minimum balance required.  Minimum deposit to open:  $50.  DOES NOT INCLUDE identity theft protection.  DOES NOT INCLUDE free paper statement.  A monthly fee of $8.95 will be assessed every statement cycle.  A $2.00 discount applies if direct deposit is chosen.  To qualify for this discount, you must receive at least a $50.00 direct deposit every statement cycle.  Free electronic statements are available however, a $2.00 paper statement fee applies when paper statement delivery is chosen.

Fresh Start Basic:  No minimum balance required.  Minimum deposit to open:  $50.  DOES NOT INCLUDE identity theft protection.  DOES NOT INCLUDE free paper statement.  A monthly fee of $8.95 will be assessed every statement cycle.  A $2.00 discount applies if direct deposit is chosen.  To qualify for this discount, you must receive at least a $50.00 direct deposit every statement cycle.  Free electronic statements are available however, a $2.00 paper statement fee applies when paper statement delivery is chosen.  You may not write checks or have check writing privileges on this account.


*Carrier charges may apply.

**Paper Statement is FREE with all idLOCK accounts; BASIC checking requires $2 monthly fee for paper statements.

1IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.

 

Please view our Truth-In-Savings Disclosure