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
  • Regular Checking
  • Regular Checking with
    Direct Deposit
  • Regular Checking with
    Bill Pay
  • Interest Earning Checking
  • Interest Earning Checking with Bill Pay
  • Super NOW Checking
  • Money Market Checking
  • Corporate Checking
  • Business NOW
• Savings
  • Statement Savings
  • Club Savings
• Certificates of Deposit
• Individual Retirement Accounts (IRAs)

Regular Checking

• $10 minimum deposit to open
• No minimum balance
• Free check images returned with statement
• $2.00 monthly service charge
• ATM/Debit card available
• Overdraft/Ready Reserve account available
• 24-hour telephone banking
• Online Banking and Bill Pay Services
• Monthly service charge waived for customers 55 and older when requested

Regular Checking with Direct Deposit

• $10 minimum deposit to open
• No minimum balance
• $2 monthly service charge waived with ongoing direct deposit
• ATM/ Debit card available
• Overdraft/ Ready Reserve account available
• 24-hour Telephone Banking available
• Online banking and Bill Pay Services available

Regular Checking with Bill Pay

• $10 minimum deposit to open
• No minimum balance
• $2 monthly service charge
• ATM/Debit card available
• Overdraft/ Ready Reserve account available
• 24-hour Telephone Banking available
• Monthly fee for Internet Bill Pay waived with minimum of 2 Bill Pay Transactions debited from Account per Month
• No Check Images returned with Monthly Statement

Interest Earning Checking

• $10 minimum deposit to open
• $250 minimum daily balance to avoid monthly service charge
• $500 minimum daily balance to obtain the disclosed annual percentage yield
• Interest compounded and credited monthly
• Free check images returned with statement
• ATM/Debit card available
• Overdraft/Ready Reserve account available
• 24-hour Telephone Banking
• Online Banking and Bill Pay Services

Interest Earning Checking with Bill Pay

• $10 minimum deposit to open
• $250 minimum daily balance to avoid monthly service charge
• $500 minimum daily balance to obtain the disclosed annual percentage yield
• Interest compounded and credited monthly
• ATM/ Debit card available
• Overdraft/Ready Reserve available
• 24-hour Telephone Banking available
• Monthly fee for Internet Bill Pay waived with minimum of 2 Bill Pay Transactions debited from Account per Month
• No Check Images returned with Monthly Statement

Super NOW Checking

• $10 minimum deposit to open
• $2,500 minimum daily balance to avoid low balance fee
• $1,000 minimum daily balance to obtain the disclosed annual percentage yield
• Interest compounded and credited monthly
• Free check images returned with statement
• ATM/Debit card available
• 24-Hour Telephone Banking available

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Money Market Checking

• $10 minimum to open
• $2,500 minimum daily balance to avoid low balance fee
• $1,000 minimum daily balance to obtain the disclosed annual percentage yield
• Interest compounded and credited monthly
• Free check images returned with statement
• ATM/Debit card available
• 24-hour Telephone Banking
• Transaction limitations apply

Corporate Checking

• $10 minimum deposit to open
• $8.00 monthly service charge
• $.15 per check monthly fee
• Free check images returned with statement
• ATM/Debit card available in authorized signer's name
• 24-hour Telephone Banking

Business NOW

• Available to DBA Sole Proprietorships, Sole Proprietorships, and Non-Profit Organizations
• $10 minimum deposit to open
• $250 minimum daily balance to avoid monthly service charge
• $500 minimum daily balance to obtain the disclosed annual percentage yield
• Interest compounded and credited monthly
• Free check images returned with statement
• ATM/ Debit card available in authorized signer's name
• 24- hour Telephone Banking
• Online Banking and Bill Pay Services

Statement Savings

• $10 minimum deposit to open
• $50 minimum daily balance to obtain the annual percentage yield
• Quarterly statements (monthly Reg E Statements)
• Interest compounded and credited quarterly
• Limitations apply to certain types of transactions
• $500.00 minimum daily balance to avoid $2.00 quarterly service charge
• Quarterly service charge waived for customers under age 18 or over age 55 when requested
• ATM card available
• 24-hour Telephone Banking available

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Club Savings

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

Certificates of Deposit

• $500 minimum deposit to open
• Many terms available
• Interest may be compounded, paid by check, or transferred to another deposit account at G. W. Jones Exchange Bank
• 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 saving vehicle
• Traditional IRAs available
• Age 59 1/2 and over not subject to early withdrawal penalty
• Please see our “Deposit Rates” for current rate and term information

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Subject to all applicable federal laws governing IRA administration.