Personal Checking

Our checking accounts are designed with a variety of options and built-in benefits. Whether you’ve got $50 or $1 million, we’ve got an account that’s a perfect fit for you. You can use the chart below to compare the features for each account. All Jefferson Bank personal checking accounts include the convenience of a free Visa Check Card.



Now it’s simply a matter of selecting the account with the features that meet your needs.

We can match the perfect account or combination of accounts to meet your unique needs.

  • Regular

    When you need a no frills, straightforward checking account with essential services, our Regular Account is the answer. You get all the standard checking account features plus the personal service we’re known for.

  • Now

    With our Now checking account, you get all the essential services plus you can earn interest on daily collected balances of $1,000 or more.

  • Access

    Receive all the features of our Regular Account and when you select the direct deposit option, there is no monthly service charge.

  • Platinum

    As the name implies, our Platinum account is rich in features and convenient ways to manage your money. Plus, there’s no monthly service charge with a daily balance of $500 or more.

  • Prime 10

    Our Prime 10 account is the checking account of choice with added benefits times ten.

No Frills Checking
No Frills Checking with Interest
No Frills Checking with an Added Benefit
Our Most Popular Checking Option
Prime 10
Our Feature-rich Option
Minimum Opening Deposit
Monthly Service Charge
No monthly service charge with $1,000 required minimum balance.

$10 monthly service charge if balance falls below $1,000.
No monthly service charge with $1,000 required minimum balance.

$10 monthly service charge if balance falls below $1,000.
No monthly service charge with direct deposit.

$6.50 monthly service charge without direct deposit.
No monthly service charge with $500 required minimum balance.

$5 monthly service charge if balance falls below $500.
No monthly service fee with minimum daily balance of $10,000 in either your checking or savings or a combination of both accounts. There's also no service fee when you maintain a total combined minimum daily balance of $25,000 in your combined checking, savings, CD and IRA accounts.

$10 monthly service charge if balance falls below required minimum.
Interest Earned
Interest earned on minimum $1,000 daily collected balance.
Interest earned on any daily collected balance.
Interest earned on minimum $1,000 daily collected balance.
Unlimited transactions
Check Card
Free Online Banking1
Mobile Banking and Mobile Deposits at No Bank Charge.1
Free Bill Pay
eStatements & e-Notices
Automated Phone Banking with Jeff-Line
Check Images
Combined Monthly Statements
Overdraft Protection Linked to Another Jefferson Bank Account2
Stop Payment Requests
After 10th request charges will apply.
Check Orders
(Standard bank checks only)
(per year)
After 5th order charges will apply.
After 10th order charges will apply.
Non-Jefferson Bank ATM Transactions Reimbursement Fees
(per statement cycle)
Discount on Safe Deposit Box Rental
(per year)
$5 off annual fee
$10 off annual fee
Discount on Research
(per request)
Phone Transfers (per statement cycle)
Cashier’s Checks (per year, account owner must be remitter)
After 10th check charges will apply.

Trust/Fiduciary Account: If you are managing a trust or legal affairs, we have an account designed specifically for that purpose. Visit with a banker for additional details.

Visa® Check Cards

A Jefferson Bank Visa Check Card is the safest, most convenient way to make purchases from your personal checking account because it is backed by Visa’s Zero Liability coverage. Check cards are free with any personal checking account and can be used anywhere Visa is accepted.

  • Make purchases or pay personal expenses in person, by phone or Internet. 
  • View your check card transactions in real time using Jefferson Online Banking.
  • Use as an ATM card when you need cash.
    • ATM withdrawals require your Personal Identification Number (PIN).
  • Sign up for VISA Check Card Alerts for live updates on your everyday purchases.

Include Us in Your Travel Arrangements

If you plan on traveling outside of the country, remember to notify the Jefferson Bank Card Services Department at (210) 734-4311. We ask that you let us know the time frame and your destination. By doing so, we will have knowledge that international transactions3 should be expected on your account, and our systems will allow these transactions to take place. It's always wise to be prepared with additional forms of payment in the event that foreign ATM networks are not accessible with your card.

Jefferson Bank Debit Card

If your card is lost or stolen, or you suspect fraud, do one of the following:

  • Contact the Card Services Department at (210) 734-4311 during banking hours
  • Call (866) 546-8273, 24-hours a day
  • Log on to Online Banking (you must be an active user)
    • Select the “Options” tab, then the “ATM/Debit” tab 
  • Call Jeff-Line at (210) 736-7610 (you must be an active user)
    • Select Option 8

Apply for your
Visa® Check Card now. 

The contemporary financial services you want delivered with the personal touch of a neighborhood bank.
That’s a combination you’ll only find at Jefferson Bank. This is personal to us.


Notices & Disclosures

The Truth in Savings Act requires disclosures to be available on all consumer deposit accounts. Please inquire at any Jefferson Bank location for a separate Truth in Savings Act disclosure.

While Jefferson Bank does not charge fees for the use of mobile banking, standard internet service rates may apply. Check with your mobile service provider for details.

Account may be linked to a line of credit which is subject to credit approval.

Jefferson Bank charges an International Transaction Service Fee, which is 1% of the transaction amount for each international purchase made. Other international transaction fees may apply.