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Frequently Asked Questions
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Statements: Paper and Electronic
General
Are Juniata Valley Bank deposit accounts FDIC insured?
Yes! Each individual customer at JVB is insured by the FDIC. MORE INFO
Where can I find JVB’s fee schedule?
CLICK HERE FOR JVB'S FEE SCHEDULE
Where can I find a JVB ATM?
CLICK HERE FOR JVB ATM LOCATIONS
What is my JVB routing number?
031310219
Personal Checking Accounts
How do I make a deposit to my account from a remote location?
You can do most of your banking by using direct deposit, mobile deposit, ATMs, or electronic transactions (also known as ACH/Automated Clearing House transactions). JVB also offers a bank-by-mail service, which allows you to mail in non-recurring deposits. Contact us for details on a method that’s best for you.
What is IDProtect?
IDProtect® is an identity theft protection feature that is included with our idLOCK checking accounts. For more information CLICK HERE.
Please contact your local branch or our Customer Care Center at 855-582-5101 for assistance with ordering checks.
How soon is my money available after a deposit?
Deposits of cash or checks transacted in person at a branch or via mobile banking are generally available to you on the first business day after we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit in-person or by mobile device before 4:00 PM on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 4:00 PM or on a day that we are not open, we will consider that the deposit was made on the next business day we are open. For deposits at a JVB ATM, 2:00 PM is the end of the business day.
What is overdraft protection and how does it work?
Overdraft protection is a service in which JVB links your savings account with your checking. Should your checking account become overdrawn, this service would pull funds from your savings account, in fifty dollar increments, to cover the negative balance. A service fee may apply, depending on the checking account program you are in.
Does my account have free ATM use?
All of JVB’s accounts are equipped with free ATM use, as long as you are using an ATM owned by Juniata Valley Bank. Standard fees apply when using an ATM owned by any other institution. JVB has checking accounts that help you avoid ATM fees. Check out our personal checking accounts here.
Is there a minimum balance requirement on your checking accounts?
After the initial deposit required to open a checking account, no minimum balance is required. However, certain types of checking accounts may carry a monthly fee if the balance falls below a certain amount at any point during the month. Your JVB representative can help you find the account that’s best for you.
Where is the routing number on my checks?
The routing number can be found across the bottom of your check. JVB's routing number is 031310219.
What information is needed when applying for a checking account?
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
How will IDProtect® alert me to fraud on my account?
Depending on the options you selected at registration, IDProtect® will alert you via mail, email, and/or text message.
What is the quickest, most convenient way I can transfer money to another bank without having to go into an office?
JVB’s External Funds Transfer service is fast, easy, and convenient. All that is required is an active JVB online account. External Funds Transfer is located within online banking under the Manage Money tab.
How do I place stop payment on a check?
A stop payment can be placed by calling or stopping by your local community office, or through your JVB Online Banking under the Additional Services tab. Standard fees apply.
My direct deposit went in on the same day I received an NSF fee. How is that possible?
NSF fees post to the account the next business day after an item is presented for payment.
What is the order items pay on my account?
We process items in a specific order. The order is force pay debits, debit memos, EFT/ATM Withdrawals, POS transactions, Debit Card, ACH Withdrawals, Withdrawals, Check cashed in person at a branch, and finally all other checks will be paid in check number order.
I moved & need to change my address. How can I do that?
Your address can be changed through your JVB Online Banking under the Additional Services tab, through our Customer Care Center at 855-582-5101, or by stopping by your local community office today.
I need to send money out of state—how can I do that?
At JVB, we have a variety of convenient methods to send funds. Online bill pay, wire transfer, external online transfers, etc. To learn more about these services, stop by your local community office or call Customer Care at 855.582.5101.
How long does it take to receive my checks?
Upon completion of your check order, standard processing and shipping time is 7-14 business days.
Why do I have a monthly service charge?
The monthly fee would be for the particular account you are currently in. For further details, see our Compare Deposit Accounts page, stop by your local community office to speak with one of our knowledgeable customer service representatives or call our Customer Care Center at 855.582.5101.
Do I have to order checks from the bank?
No. However, Deluxe Check Printers offers the highest quality when it comes to consumer and commercial checks. Deluxe checks now include new fraud-deterring features, such as a security square, heat-reactive ink, a personalized micro-print dateline, and much more.
Do I need a check to withdraw funds from my account?
No. A signed withdrawal slip may be used to withdraw funds at any of our community offices (fees may apply), or you can use your JVB Check Card at any of our conveniently located ATMs.
Do I need a deposit slip to deposit money?
No. Branch personnel are more than happy to assist you with making your deposit at any of our community offices. Deposits can also be made without deposit slips at select ATM locations.
Personal Savings Accounts
How much do I have to have to open a savings account for my child?
A savings account for a child (under 18) can be opened with as little as $1.00. You will then have 1 year to bring the balance to $100.00. The balance must then remain $100.00 or more to avoid a monthly service charge.
How do I open an account?
Open an account online. It takes less than 5 minutes! Visit our Compare Deposit Accounts page, choose the account you need, and click on the APPLY button. You can also top by any of our conveniently located community offices today! When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Can my account receive direct deposit?
Yes. All of JVB’s deposit accounts are set up as electronic funds accounts and will receive direct deposits from employers, Social Security Administration, and more.
How many withdrawals can I make each month?
Withdrawals are unlimited.
Can withdrawals be made from the holiday club without closing it?
No. Due to the purpose of these accounts, the depositing period runs from October to October, for holiday savings. If a withdrawal is requested before the depositing period ends, the account must be closed and a $10.00 fee is assessed.
Will I get a monthly statement?
Statements are issued on a quarterly basis for savings accounts with the option for electronic statements. If you currently have a checking account with JVB, and a monthly statement is preferred, you have the option of combining those statements.
If my balance falls below $100 and I deposit money before the end of the month will I still receive a service charge?
Yes. The service fee applies if the balance falls beneath $100 for just one day out of the month.
Direct Deposit
How do I set up Direct Deposit of my payroll check?
After your JVB checking application has been approved, you will have our bank routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company and your direct deposit will usually begin within thirty days.
How do I set up Direct Deposit of my Social Security check?
After your JVB checking application has been approved, you will receive our bank routing and transit number and your account number. With that information in hand, use any of the following options to sign up through the Go Direct program for direct deposit of your benefits to your checking account or to a Social Security debit card:
1.Register Online: go to www.godirect.org and sign up for either option
2.Print and Mail: print paper form at www.godirect.org and mail to address provided
3.Telephone: 1-800-333-1795 for Go Direct customer service
Can I get information about my account by phone?
Yes! You can get information about your accounts 24 hours a day, 7 days a week by calling our 24-hour phone banking at 1-888-JVB-BANK.
Statements: Paper and Electronic
How can I get a paper statement but no fee for it?
Paper statements are included free of charge in any of our idLOCK accounts. For more information on our idLOCK accounts, CLICK HERE.
Debit and ATM Cards
What is the JVB VISA® Debit Card?
The JVB VISA® Debit Card is an account access card that the cardholder can use wherever VISA® is accepted or where you can perform a PIN (Personal Identification Number) transaction.
Does the JVB VISA® Debit Card have an annual fee or any transaction fees?
There are no annual fees or any transaction fees.
Does the JVB VISA® Debit Card have any spending or cash withdrawal limits?
Yes. Your daily cash withdrawal limit is $550. Your daily purchase limit is $1700.
How can I get a replacement for my damaged JVB VISA® Debit Card/ATM card?
Bring your damaged card to any office of JVB to request a replacement, or contact our Customer Care Center at 855-582-5101.
What should I do if my card is lost or stolen?
During regular banking hours, call our Customer Care Center at 1-855-582-5101. After business hours and on weekends and holidays, please call 1-800-472-3272.
My card expires soon. When will I get my new one?
You should receive a replacement card approximately two weeks prior to your current expiration date. If you do not receive a replacement card during that time, contact your local community office or call our Customer Care Center toll free at 1-855-582-5101.
I know I have money in my account, but my purchase isn’t going through—what’s wrong?
Your purchase may exceed the daily limit of $1700. Checks or other debits may also have been withdrawn from your account since the last time you verified your balance. For assistance, call our Customer Care Center at 1-855-582-5101.
What do I need to do to change my PIN?
You can change your PIN at any JVB ATM or by calling 800-992-3808.
I forgot my PIN! What do I do?
Please call our card service center at 800-992-3808.
Who do I contact if the ATM machine captures my JVB VISA® Debit Card/ATM card after hours?
Card capture can occur for various security reasons. We apologize for any inconvenience and desire to resolve these issues as quickly as possible. During regular business hours, you can reach us through our Customer Care Center toll-free at 1-855-582-5101 or at the office where your card was captured (see our Locations Page for contact information). You can also email us from our Contact Us Page. Whether calling or emailing, we can best assist you when you provide the ATM location and any messages displayed on the ATM during your transaction.
When swiping a JVB VISA® Debit Card at a store, is it debited from the account immediately?
Generally, yes. There are certain circumstances where a transaction may delay being deducted from your account, but in general the transaction will be deducted right away.
What do I do if there is a charge on my account that I don’t recognize?
Did you perform a transaction recently for that dollar amount?
Check your email to make sure the company doesn’t process their billing under another name. If this is not the case, please contact your local branch or our Customer Care Center at 855-582-5101 so the appropriate actions can be taken. If it is a debit card transaction that you did not initiate, your card will need to be shut off.
What do I do if a company charged me more than I authorized or for a transaction I don’t recognize or I am unhappy with the product I received?
Please contact the company before contacting JVB.* Most times there is fine print in the “Free Trials” that will require payment for shipping for the first order. Cancellation is required within 14 days on most of these offers or they will charge you the full price and start sending merchandise to you monthly as well as debiting your account monthly. If you received merchandise that you do not want, contact the company to determine how to return the merchandise (sometimes they require a specific code for them to track your return) and send it back. If they do not credit your account after they received the returned merchandise, please contact the bank and bring in your documentation. Signatures will be required.
* Make sure to take notes on your conversation so, if a dispute is required, you are prepared for the questions asked.
Online Banking
How do I enroll in Online Banking?
Visit the jvbonline.com home page, look for the login area, and choose "New User."
Can I sign up for online banking from my phone (I don’t have a computer)?
You are able to register directly from your mobile device by downloading the JVB app and choosing Sign Up.
How much does Online Banking cost?
Online Banking is offered at no charge to individuals; businesses may incur a charge for business online banking as it is a more robust service with many different account management features.
Is JVB Online Banking secure?
JVB Online Banking utilizes the best security available to protect our customers’ information.
How frequently is my JVB information updated?
JVB updates all customer information nightly. Whether you access Online Banking or contact us directly, your account information is updated nightly to reflect all account activity.
How do I change my password?
Passwords can be changed on the website after login. Use My Settings, located in the very top menu after login.
Does my password expire?
Passwords are not currently set to expire.
How do I change my user ID?
User IDs can be changed on the website after login. Use My Settings, located in the very top menu after login.
How do I add an account to my online banking?
Accounts can be added on the website after login. Use Secure Forms/Add-Delete Account.
I need help with my JVB online account. Where’s the best place to get help?
Use the HELP option in the top menu or call our Customer Care Center toll-free at 855-582-5101. If you are logged in to your account, Live Person Chat is available.
On the online banking website, can you transfer money from a JVB account into an account at another bank?
Yes. JVB offers External Transfers to or from other financial institutions. This is available under the Move Money tab.
Can I download account information from Online Banking into personal financial management software?
JVB offers free financial management with MX Money Management® personal financial management tool. There is no charge for this service.
How do I update my available accounts and account nicknames?
After login, use My Settings, located in the top menu after login.
What do I do if I cannot access my Online Banking account?
Use the “Forget Password?” feature on the home page login and follow the prompts to reset your password. If additional assistance is needed, please call the Customer Care Center toll free at 1-855-582-5101.
Other Online Services
How do I create text and email alerts?
A wide array of text and email alerts are available within online banking. After login, access all the options by clicking on Notifications in the very upper navigation bar of the website and then choose Add More Notifications. You can also access the same information via Additional Services/Mobile Banking & Alerts.
Bill Pay
Can I enroll in Bill Pay if I didn’t select it at the initial registration?
Absolutely! You can enroll within Online Banking or within the JVB app by clicking on the Bill Pay menu option, entering the requested info., accepting the Terms & Conditions and clicking on "Complete Sign Up."
What is an eBill?
An eBill is an electronic version of a bill you receive directly within Bill Pay, which you can view and pay immediately.
Are eBills free?
Yes, eBills are free, and they can accelerate and simplify the bill paying process. You simply click it, view it and pay it.
Do eBills contain the same information as paper bills?
Yes, and in fact eBills also look exactly like your paper bills. The only difference is they are conveniently delivered to your JVB Bill Pay Plus Account within your Online Banking Account instead of to your home’s mailbox.
Can I prevent missed payments if I receive eBills?
Yes, you can set up an automatic payment, and we’ll pay your eBill when it arrives. We can also send you an email when your eBill arrives and when it is paid. No more late payments or late fees.
Can you inform me when my eBill arrives?
Yes, you can choose to receive an email when your eBill arrives.
Are eBills secure?
Yes, statistics show eBills reduce the risk of identity theft most often traced to lost or stolen documents that can be taken from your home’s mailbox.
Is a paper bill less secure than an eBill?
It can be. When you avoid receiving the mounds of paper associated with paper bills you also do away with the need to store and shred bills containing confidential information.
What if I need a paper copy of my bill?
Since your eBill is available online any time, you can always print a copy if you need one.
How do I switch from a paper bill to an eBill?
It’s easy to get started. Simply click the blue "Set up eBill" link below the company name, and follow the online instructions. You should begin receiving your bill online within 1-2 billing cycles.
Are eBills reliable?
Yes, we log and track every bill we receive to assure it is delivered to your account. We can also send you an email if a recurring bill has not been delivered when expected.
Why do I need to give you my user IDs and passwords?
It enables us to retrieve electronic versions of your bills and present them to you in a single, secure location. Don’t worry—your login information is kept confidential.
When I set up an eBill for a payee, which user ID and password do I enter?
You should enter login information for the biller’s website. If you haven’t registered for online account access with your biller, please take a moment to do so before continuing with the setup process.
Is the login information for my billers’ websites kept secure?
Yes, we are committed to safeguarding the privacy and security of all your personal information. Your login information is kept confidential and is used only to retrieve an electronic version of your bill from the biller's website so we can present it to you online in one convenient location.
What does "Action needed" mean?
The "Action needed" link usually indicates we need you to provide updated login information or account specific information to set up an eBill.
What if my payee sends me information in addition to my bill?
Any electronic notices a biller sends to you will be presented to you just like an eBill. Once you sign up for eBills, all paper statements will be suspended.
How does bill payment work?
To help you understand the process, we have provided a demo.
How long does it take to set up a new payee in the bill payment system?
Once you have entered a new payee into the Electronic Bill Payment System, it takes two business days to set up the payee to receive payments. Please view the demo (above) for more information.
Even though it takes two business days to set up a new payee, can I still enter a bill payment to the new payee during those two business days?
Yes. You may enter a payment to your new payee immediately; however, the payment will not actually be made until the payee is set up. Any payments made to the payee before the payee is added to the system will be delayed in reaching the payee by approximately two business days.
After I make a bill payment, how long does it take for the money to be debited from my account?
The money will be debited electronically from your account within 1-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Wednesday or Thursday of the same week.
How long does it take for a payment to reach the payee?
A payment that generates an electronic payment will credit the payee's account within 1-3 business days; whereas, a paper check will take up to 10 days.
How do I actually use the Electronic Bill Payment System?
Step-by-step instructions can be accessed by pressing the help button within Online Banking.
How can I put a stop payment on a bill pay item?
Please contact our bill pay provider at 1-800-823-7555.
I use bill pay & can see that an item has cleared my account—the company hasn’t received it---what do I do?
Please contact our bill pay provider at 1-800-823-7555.
Who can I pay using Bill Pay?
Almost any business, entity or person can be paid via Bill Pay. Most major merchants are already in our database for super-fast setup.
Mobile Banking
How do I enroll in JVB Mobile Banking?
If you are enrolled in JVB Online Banking, no enrollment in JVB Mobile Banking is necessary.
Is there a fee to use JVB Mobile Banking?
There is no fee to use JVB Mobile Banking. Some services accessible via mobile banking carry fees and those will be displayed on your device if/when you access them.
On which devices is JVB Mobile Banking available?
JVB Mobile Banking is available on any internet-accessible device. Apps for easy access to your account are available for iPhone, iPad, Android phone and tablets. Access to the mobile version of our site is available using the web browser on your mobile device.
How do I use a mobile device to access my information?
You can download the appropriate JVB app to access your account information, or you can use the web browser on your mobile device to access jvbonline.com and log in to your account just as you would on a PC/laptop.
I need help with my JVB mobile app. Where’s the best place to get help?
Every one of our community offices has staff members with experience using our mobile app; you can also call our Customer Care Center at 1-855-582-5101 from 8:00 a.m. to 7:00 p.m. Eastern Time.
Can I have Mobile Banking without having Online Banking?
Yes, you can register directly from your mobile device.
Mobile Deposit
How do I access Mobile Deposit?
Mobile Deposit is integrated with our mobile apps and they are available for both iPhone, iPad, Android Phone and Android Tablets.
How does Mobile Deposit work?
For a demonstration of the product, click here to view our demo. Choose Mobile Check Deposit from the menu.
How do I deposit a check via mobile banking?
Mobile check deposit is available on any JVB mobile app. After login, look for the “Check Deposit” icon and follow the prompts.
Who can use this service?
Any JVB online banking customer with a smart phone or iPad® tablet with the JVB mobile app loaded can use this service. Need the app? Click here for the App Store; Click here for Google Play.
Deposits submitted and approved prior to 4:00 pm (EST) Monday - Friday will be available the next business day.
Deposits made after 4:00 pm (EST) M-F, Saturdays, Sundays or bank Holidays will be available in two business days after the date of deposit.
How much and how often can I deposit?
Your check amount may not exceed $1500.
Your daily deposit limit is $3000.
Your 30-day deposit limit is $12,000.
What do I do with my check after I deposit it?
Upon receipt of notification of deposit acceptance, keep your check for 14 calendar days. After 14 days, destroy the check, mark it “VOID,” or otherwise render it incapable of further transmission, deposit or presentment.
Business Card Services
How many business debit cards are allowed per one business account?
Each business customer is different and JVB tailors the number of cards and card limits based on the needs of each business owner.
Can I have a debit card for each employee?
Yes! Please contact us or fill out a request for a call and we will call you at a time convenient for you.
Does each card have the same daily limit?
You will have the ability to set varying limits on each different cardholder.
How can I get a purchase limit increased?
Contact our Customer Care Center at 1-855-582-5101.
Why can’t we have a card for our organization?
Due to the structure of organizations, the issuance of debit cards is not permissible.
Personal Loans
How can I apply for a personal loan?
You can apply online by using this link for online personal loans, over the phone by calling 1-855-582-5101, or at any office of JVB.
Where do I mail my JVB loan payment?
You can mail your JVB loan payment to: 1 South Main Street, PO Box 66, Mifflintown, PA 17059
Can I make my loan payment through my JVB Online Banking?
Yes! To do that, your loan account must be added to your JVB Online Banking. This can be done after login by using Secure Forms/Add-Delete Account.
Can I pay extra on my loan?
Yes! This can be accomplished in Online Banking by using the option to “Pay to Principal.” This can also be done at any office of JVB.
How can I apply for an auto loan?
You can apply online by using this link for online personal loans, over the phone by calling 1-855-582-5101, or at any office of JVB.
How do I find out the payoff on my JVB loan?
Contact our Customer Care Center toll free at 855-582-5101 to receive an accurate payoff quote.
When will my car title be sent when I pay off my loan?
One week after the payoff payment is processed we send the release to PENNDOT to send the title directly to you, the process usually takes up to three weeks from payoff.
Can I manage my account and make payments online?
Yes! Your loan account can be added to your online banking account and paid from there. Automatic payments of your loan can also be set up.
Will my loan be sold to another bank?
No, JVB will originate and service your loan.
What is the minimum I can borrow?
The minimum loan amount is $2,000.00.
I don’t have a credit history, can I still apply for a loan?
Yes
Can you draft my payment from another financial institution?
Yes, please indicate this preference when closing your loan.
Is there a grace period after a loan due date before there is a fee? If so, how many days?
There will be a late fee assessed 15 days after the loan’s due date.
Mortgage & Home Equity Loans
How can I apply for a mortgage or home equity loan?
For all types of mortgage loans: Fixed rate, Adjustable rate, Construction, Jumbo mortgage, USDA, VA, First Front Door, Mortgage refinance, click here to get started.
For a home equity loan or home equity line of credit, please use this link for home equity.
You can also apply by telephone at 1-855-582-5101, or at any JVB branch locations.
What can I expect during the mortgage process?
You can expect an anticipated closing within 60 days from application. A mortgage originator will walk you step-by-step through the entire process to ensure your lending experience with us is as simple as possible.
Where do I mail my JVB loan payment?
P.O. Box 66 Mifflintown, PA 17059
Can I make my loan payment through my JVB Online Banking?
Yes, if you are registered for online banking then you are able to make payments online.
Can I pay extra on my loan?
Yes, payments are applied to the loan as follows: interest, principal, then any applicable fees. Any additional amount after those have been satisfied is applied to principal balance.
How do I find out the payoff on my JVB loan?
Contact our Customer Care Center toll free at 855-582-5101 to receive an accurate payoff quote.
When will my lien release/mortgage discharge be sent when I pay off my loan?
It varies by county, but you can expect to receive your mortgage satisfaction within 30 days from payoff.
What is loan-to-value (LTV) ratio?
Loan-to-value (LTV) ratio is a financial term used to describe the ratio of a loan to the value of an asset purchase. It is calculated by dividing the mortgage amount by the appraised value of the property.
What is debt-to-income (DTI) ratio?
The debt-to-income (DTI) ratio is how lenders measure your ability to manage monthly payment and repay debts. DTI is calculated by dividing total recurring monthly debt by gross monthly income and is expressed as a percentage.
How long before I will know if I have been approved for a loan?
You will have a decision within 3 days from application.
What types of fees can I expect to pay & what is the cost?
Fees will vary depending on the loan type, amount, location etc. All fees will be disclosed prior to closing.
Will my loan be sold to another bank?
Some mortgages are sold to other banks, but you can continue to make your payments at JVB and we can answer questions about your mortgage account.
Can I manage my account and make payments online?
Yes! Your loan account can be added to your online banking account and paid from there. Automatic payments of your loan can also be set up.
Business Loans
Do I need money down?
Down payments can vary from 30% to as low as 5% depending on the type and term of the loan. JVB works with the SBA and USDA on special loan guarantee programs that can help lower down payment requirements for borrowers fitting those program underwriting requirements.
What collateral can be used for my business loan?
A business loan can be secured with real property, cash, marketable securities, business assets (including inventory and accounts receivable) and equipment. We also works with the SBA and USDA on special loan guarantee programs that can help cover collateral deficiencies.
What can I use my business line of credit for?
A business line of credit can help a business balance cash flow needs during the business cycle. Because of the cyclical nature of business, you may need to borrow money to meet your businesses short term needs.
What is a Letter of Credit?
A letter of credit is a document, typically from a bank (Issuing Bank), assuring that a seller (Beneficiary) will receive payment up to the amount of the letter of credit, as long as certain documentary delivery conditions have been met. In the event that the buyer (Applicant) is unable to make payment on the purchase, the Beneficiary may make a demand for payment on the bank. The bank will examine the Beneficiary's demand and if it complies with the terms of the letter of credit, will honor the demand. Another purpose of a letter of credit is to assure performance is met on certain criteria related to the completion of road work, shale pits, and logging roads.
What types of businesses does JVB lend to?
JVB lends to small and large businesses including manufacturing, agriculture, retail, food services, contractors, residential and commercial real estate as well as government and municipal services. If your business is not listed here that doesn’t mean we can’t help. Give us a call and we will be willing to work with you.
Can I do business with JVB if there are no branches in my area?
Yes! Not only will our lenders travel to your place of business, JVB offers a wide array of electronic banking products and programs including internet banking, Automatic Clearing House (ACH) payment plans, Remote Deposit Capture (RDC) programs and domestic wire capability. These programs are easily customized to fit your business needs.
Does JVB participate in any government lending programs (SBA, USDA, etc.)?
JVB participates with the SBA 504 and 7A programs as well as various UDSA loan guarantee programs.
What can I expect during the loan application process?
JVB will work quickly to get your loan request processed. Borrowers are typically asked to provide three years financial information, a personal financial statement and may be asked to provide bank or other statements to verify information. Depending on type and collateral, appraisals and environmental reports may be required. Your JVB representative will work with you to ensure your transaction ends as smoothly as it starts.
Security
Who do I contact if I think there’s been fraudulent activity on my account?
Please contact our Customer Care Center toll free at 1-855-582-5101, chat with us on the website, or fill out a Schedule-a-Call form for us to get in touch with you in the Contact Us section of the website.
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