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Online Banking Coming Soon

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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.

Regular Checking

  • $50 minimum deposit to open
  • No minimum balance
  • ATM/Debit card available
  • Overdraft/Ready Reserve account available
  • 24-hour telephone banking available without a fee
  • 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
  • 24-hour telephone banking available without a fee
  • 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
  • 24-hour Telephone Banking available without a fee
  • 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
  • 24-hour Telephone Banking available without a fee
  • Online banking and Bill Pay services available without a fee
  • No monthly maintenance fee if eStatements or paper statements without images chosen by customer

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Business Checking

  • $50 minimum deposit to open
  • No minimum balance
  • ATM/Debit card available in authorized signer’s name
  • 24-hour Telephone Banking available without a fee
  • Online banking services available without a fee
  • Maintenance fee charged each statement cycle

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
  • 24-hour Telephone Banking available without a fee
  • Online banking available without a fee
  • No monthly maintenance fee if eStatements or paper statements without images chosen by customer

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
  • 24-hour Telephone Banking available without a fee
  • Online banking available without a fee
  • Transaction limitations apply
  • No monthly maintenance fee if eStatements or paper statements without images chosen by customer

Corporate Checking

  • Available to Partnerships, LLCs, and Corporations
  • $50 minimum deposit to open
  • ATM/Debit card available in authorized signer’s name
  • 24-hour Telephone Banking available without a fee
  • Online banking available without a fee
  • Maintenance fee charged each statement cycle
  • $.15 per debit fee assessed monthly

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
  • 24-hour telephone banking available without a fee
  • 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
  • 24-hour Telephone Banking available without a fee
  • Online banking available without a fee
  • Excess debit fees may apply to certain types of transactions

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Minor Savings

  • Available to minors under the age of 18
  • $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)
  • 24-hour Telephone Banking available without a fee
  • 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
  • 24-hour Telephone Banking available without a fee
  • 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
  • 24-hour telephone banking available without a fee
  • 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

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Subject to all applicable federal laws governing IRA administration.


G.W. Jones Exchange Bank

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