Small Business Checking


Pearsall Branch

Pearsall Branch - Pearsall, TX

Minimum amount to open $100.00  
Monthly Service Charge $10.00  
1st 100 items Free  
Internet Banking Free  
Bill Pay Free  
Overage charge over 100 items (per item) $0.18  
Account activity will be reviewed periodically.  Activity exceeded 100 items on a regular basis may cause your account to be converted to a Commercial Analysis account.  

Commercial Account Analysis

Monthly Account Maintenance $10.00  
Credit $0.45  
Debit $0.15  

Commercial Account Analysis

Service charges on Commercial Accounts are determined by account analysis.  This method of pricing enables you to monitor the cost of banking services you have used and to offset that cost by maintaining larger collected balances on your account.  An earnings credit rate is used to determine the volume of bank services your balance can buy without being assessed an activity charge.  The earnings credit varies monthly with the average Fed Funds rate.  Under JSB account analysis system, there is no activity charge if your average collected balance is adequate to cover the cost of servicing the account; however, a negative collected balance will be charged a fee based on the JSB Prime lending rate.

Deposited item $0.09  
Deposit correction $3.00  
Un-encoded deposit $0.50  
Rolled coin, each roll $0.10  
Strapped currency, each strap $0.50  
Return item charged back $10.00**  
Check re-clear $5.00  
Notify by phone $7.00**  
FDIC Insurance - Based upon FDIC Insurance charge  
All Jourdanton State Bank rates subject to change without prior notice.  
 (**) Indicates changes effective 08-17-2015.  
*Note: To comply with the USA PATRIOT ACT, the Jourdanton State Bank must obtain information to verify customer identity.  Please be prepared to provide your driver's license or other appropriate proof of identification as may be reasonably requested.