Checking Plans
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Benefits of our consumer checking accounts:

Some accounts and services may be subject to bank and/or credit approval.

  • Free Internet Banking
  • Free Mobile and Text Banking*
  • Free 24-Hour Telephone Banking
  • Free Online Check Images
  • Free eStatements
  • Free Combined Monthly Statement
  • Free Direct Deposit
  • Sweep Transactions Available. (Savings and transfer charges and regulations apply.  Subject to bank approval.)
  • Jackson County Bank ATM/Debit Card is available upon request

*Your wireless carrier may assess you fees for data or text messaging services. Please consult your wireless plan or provider for details.

Completely Free Checking

If you’re looking for a basic FREE checking account with no minimum balance to maintain, no monthly maintenance fee, and no per-item fee, then this account is for you.

Prime Checking (55 Years or Older)

An interest-bearing account for those 55 years or older with no minimum balance and no monthly maintenance fee.

Gold Now

An interest-bearing account with no minimum balance, a special offer on check orders, and unlimited ATM withdrawals when using a  Jackson County Bank terminal.  This account has a monthly maintenance fee.

Health Savings Account (2021)

The Health Savings Account (HSA) is a tax-free savings account available to an individual who is enrolled in a high-deductible health insurance plan (HDHP). The money deposited, up to a maximum amount, is tax deductible, interest accrues tax-free or tax-deferred, and the money can be used to pay for qualified expenses for medical care.

A Health Savings Account cannot be held in joint ownership. However, a qualifying family member may be a signer on the account, and the money in the account can be used to pay the medical expenses of a spouse or eligible dependent.

Who is eligible for an HSA? Anyone who:

  • Has enrolled in a high deductible health insurance plan (HDHP) that is HSA compatible
  • Is not covered by any other health insurance individually, including active duty with Tricare coverage
  • Is not covered or eligible to be covered by a spouse’s non-HDHP plan
  • Is not claimed as a dependent on anybody’s tax return
  • Is under age 65 or – if 65 or older – has not elected Medicare Parts A or B
  • Does not have (nor does spouse) a full Flexible Spending Account

HSA Contribution limits for 2021 are $3,600 for self-only, or $7,200 for family coverage.  If the individual has attained the age of 55, an additional contribution of $1,000 known as a Catch-Up Contribution, may be made.

To learn more about how to take advantage of a Health Savings Account, please call Sheila at Ext. 1303, Don at Ext. 1340, or Kimberly at Ext. 1302 for more details.

Time to Get Mobile! 

Enroll within Internet Banking or Download our easy to use App.