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Personal Checking
Apply for any of our amazing checking accounts through our online account opening site! It takes as little as five minutes to open your account. And if you need more than one account, for example a checking and a savings, you can apply for them both with the same application.
Use these links for more details on our accounts
A secure checking account isn’t a luxury, it’s a necessity. Now you can have it with idLOCK Checking from JVB. idLOCK is accessible through both traditional and electronic channels, and includes identity and fraud monitoring. You, your joint account holder(s), and eligible family members1 can benefit from idLOCK Checking. Here's what we offer:
- IDProtect® — Identity theft monitoring and resolution service1: click here for full information on IDProtect®
- Debit Card Transaction Security Monitoring
- Online Banking Transaction Security Monitoring
- New in 2024: Telehealth2 — Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with urgent care or mental health for you and your family — all with zero copays. (Registration/activation required.)
- New in 2024: Dark Web Monitoring — Monitor your personal information on the dark web and receive alerts when your personal information is exposed. (Registration/activation required.)
- New in 2024: Accidental Death & Dismemberment Insurance3 — Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)
- Cell Phone Protection3 — Receive up to $400 of replacement or repair costs if your eligible cell phones are stolen or damaged. (Cell phone bill must be paid using idLOCK checking account.)
- Debit Advantage® - Buyer's Protection1 and Extended Warranty1(Item(s) must be purchased entirely with this account for coverage.)
- Free VISA® Check Card or ATM Card
- Free Online Banking
- Free Online Bill Pay
- Free Money Management Personal Financial Management Tool
- Free Mobile Banking
- Free Mobile Deposit
- Free Tablet Banking
- Free Text Message Banking*
- Unlimited Check Writing
- E-Statement
- Paper Statement**
idLOCK PLUS is your very best value. Includes all idLOCK features described above PLUS:
- FREE basic checks
- 4 FREE Non-JVB ATM transactions each statement cycle
- External Funds Transfers Monthly
- NO FEE Overdraft Transfers from a JVB Deposit Account to your idLOCK PLUS checking account
- NO FEE Official checks
- NO FEE Debit Card Replacement
- Interest paid on the portion of balances $25,000 or higher Current Rates idLOCK PLUS
Minimum deposit to open: $50. $8.00 Monthly Fee* applies; fee is waived when $20,000 or more is kept on deposit in this account.
Already an idLOCK member? Access your IDProtect® benefits here.
idLOCK STANDARD comes with:
- UNLIMITED check writing
- FREE basic checks for seniors (55+)
- Choice of E-statement or paper statement
- Online Banking and Bill Pay
- Mobile Banking with Mobile Deposit
- Text Message Banking*
- NO FEE Debit Card Replacement
No minimum balance required. Minimum deposit to open: $50. A $6.00 Monthly Fee applies; a $1 discount is available for customers age 55+.
Already an idLOCK member? Access your IDProtect® benefits here.
No minimum balance required. Minimum deposit to open: $50. DOES NOT INCLUDE identity theft protection. DOES NOT INCLUDE free paper statement. No monthly fee with electronic statements. Paper statement available for $3 monthly fee.
Designed to help customers who have experienced financial difficulties, you can restore your finances to good health with the Fresh Start account that fits your needs. Fresh Start Checking is available in two versions: Fresh Start Checking and Fresh Start Basic.
Fresh Start Checking: No minimum balance required. Minimum deposit to open: $50. DOES NOT INCLUDE identity theft protection. DOES NOT INCLUDE free paper statement. A monthly fee of $8.95 will be assessed every statement cycle. A $2.00 discount applies if direct deposit is chosen. To qualify for this discount, you must receive at least a $50.00 direct deposit every statement cycle. Free electronic statements are available; however, a $3.00 paper statement fee applies when paper statement delivery is chosen.
Fresh Start Basic: No minimum balance required. Minimum deposit to open: $50. DOES NOT INCLUDE identity theft protection. DOES NOT INCLUDE free paper statement. A monthly fee of $8.95 will be assessed every statement cycle. A $2.00 discount applies if direct deposit is chosen. To qualify for this discount, you must receive at least a $50.00 direct deposit every statement cycle. Free electronic statements are available; however, a $3.00 paper statement fee applies when paper statement delivery is chosen. You may not write checks or have check writing privileges on this account.
Apply online for any of our checking accounts. Our account-opening process is quick and easy--just five minutes from start to finish! A Fresh Start account may be offered to you if it best meets your personal circumstances.
*Carrier charges may apply.
**Paper Statement is FREE with all idLOCK accounts; BASIC checking requires $3 monthly fee for paper statements.
1Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
2 Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.
3Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certiļ¬cate of insurance. Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate.
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