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.

  • Personal Checking

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

  • Relationship Checking

    With our Relationship checking account, you get all the essential services plus you can earn interest on all balances.

Minimum Opening Deposit
Monthly Service Charge

No monthly service charge with $1,000 minimum daily balance or direct deposit, or if the Primary Account holder is under the age of 25

No monthly service charge with $10,000 minimum daily balance in checking or savings or a combination of both or $25,000 combined minimum daily balance in checking, savings, CDs and IRA accounts
Interest Earned
(Note: Interest not paid at closeout)
Non-interest bearing
Interest earned on all balances
Non-Jefferson Bank ATM Transaction Reimbursement
(per statement cycle)
Up to $10
Up to $20
Stop Payment Requests
Normal Fees Apply
Check Orders
(Standard Checks)
Normal Fees Apply
Overdraft Protection1
$5 charge per transfer
$5 charge per transfer
Unlimited transactions
Visa Check Card
Mobile Banking & Mobile Deposits2
Jeff Line
(Automated Phone Banking)
Check Images
Combined Monthly Statements
(Person to Person Transfers)
Visa Checkout
Access to Digital Wallets
Apple Pay, Google Pay, Samsung Pay
Check and Cash Deposits 24/7 at no bank charge, made at Jefferson Bank ATMs3
Visa Account Updater

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.

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.

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

2 While Jefferson Bank does not charge fees for the use of Mobile Banking or Online Banking, message and data rates may apply. Check with your service provider for details.

3 Check deposits are not immediately accessible against your Available Balance. Check deposits are limited to a $5,000 daily credit on your Current Balance. If a check deposit exceeds the $5,000 daily limit, an overnight hold will be administered for funds in excess of the daily limit.

Jefferson Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Jefferson Bank should contact the Texas Department of Banking through one of the means indicated below:

In Person or U.S. Mail : 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294

Telephone No: (877) 276-5554, Fax No.: (512) 475-1313

Email: [email protected]


Investment and Insurance Products are:

  • Not insured by the FDIC or any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Deposit products offered by Jefferson Bank. Member FDIC.