Jourdanton Accounts

CERTIFICATES OF DEPOSIT
30 to 89 day CD		Min. $2,500
3 month CD		Min. $1,000
6 month CD		Min. $1,000
12 month CD		Min. $1,000
18 month CD		Min. $1,000
30 month CD		Min. $ 1,000
INDIVIDUAL RETIREMENT ACCOUNTS
18 month, fixed rate	Min. $ 500.00
30 month, variable rate	Min. $1,000.00
Setup fee	$ 15.00
Fund disbursement	$ 2.00
* Rate changes occur each Tuesday- Call for current rates * CD's subject to penalty for early withdrawal.
COMMERCIAL ACCOUNTS
JSB SMALL BUSINESS CHECKING
Minimum amount to open	$100.00
1st 100 items	Free
Internet Banking	Free
Bill Pay	Free
Minimum daily balance	$2,500.00
Monthly service charge below minimum	$10.00
Overage charge over 100 items	$.18 per item
Account activity will be reviewed periodically. Activity exceeded 100 items on a regular basis may cause your account ot be converted to a Commercial Analysis account.
COMMERCIAL ACCOUNTS
Commercial Checking Account
Minimum amount to open	$100.00
Monthly service charge	Based on accont analysis fee
See below for fee calculation
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.
COMMERCIAL ACCOUNT ANALYSIS FEES
Monthly Account Maintenance........ Credit............................................. Debit.............................................. Deposited item............................... Deposit correction.......................... Unencoded deposit......................... Rolled coin, each roll...................... Strapped currency, each strap......... Return item charged back............... Check reclear................................. Notify by phone..............................	$ $ $ $ $ $ $ $ $ $ $	10.00 .45 .15 .09 3.00 .50 .10 .50 5.00 4.00 4.00







FDIC Insurance....based upon FDIC Insurance charge All Jourdanton State Bank rates subject to change without prior notice