Alerts are provided on a daily basis from the reporting agency. Notification of no activity is delivered on a monthly basis.
Credit Specialists are available 7am-7pm CST, Monday – Friday, excluding holidays at 1-866-825-4605 or855-848-8803.
HOLIDAY HOURS Stay Connected to Jersey State Bank by Updating Your Address
After you move, you’ll likely share your new address with friends, family and companies you do business with to ensure you stay in touch and to maintain service. To keep your financial connection with JSB up to date, you’ll need to fill out a change of address form.
Even if you do most of your banking using our online services, we must verify your identity before conducting financial transactions. The Change of Address request ensures you can conduct business and stay notified without interference or delay.
View Address Change Request Form
Contact the bank if you plan to use your Jersey State Bank Debit Card while traveling out of the country or within the US but in states outside where you live. Due to fraud concerns, many foreign countries or out of state transactions may be declined if we were unaware of your plans.
We’ve put together this Guide to illustrate all the ways you can access accounts and manage your money.
Click here to download a pdf version
We want to make your move to Jersey State Bank as easy as possible. That’s why we created this Switch Kit. Enclosed is everything you will need to close out your existing accounts and transfer your automatic deposits and withdrawals to your new account with Jersey State Bank!
Protect yourself from unexpected overdrafts and have us link a savings account to your checking account. JSB will pull money out of the savings account and will transfer it to your checking account to cover your negative balance.
View Automatic Transfer Authorization Form
A recurring payment is a smart way to arrange a schedule of regular transfers (either weekly, bi-weekly or monthly). It can not only save you time but also help you become organized and remain headache free when keeping on top of your finances.
View Recurring Automatic Transfer Authorization Form
Please complete this dispute form for the debit card transaction that you want to dispute. Once this form is
returned to the Bank, we will begin to work on resolving the dispute. *Not all debit card transactions can be disputed.
Wanting your daily check deposit limit increased? Complete this form and return it to the bank. *Subject to approval.
View Mobile Deposit Limit Increase Request Form
Consumers can sign up for membership to help you restore your identity in case it is stolen. Enroll in Credit Monitoring where you will receive alerts via email when certain activities are detected on your credit report.
Currently, the Federal Deposit Insurance Corp (FDIC) guarantees deposits of up to $250,000 per depositor, per insured bank for each account ownership category.
FDIC’s Electronic Deposit Insurance Estimator (EDIE) is a calculator that lets consumers and bankers know, on a per-bank basis, how the insurance rules and limits apply to a depositor’s specific group of deposit accounts—what’s insured and what portion (if any) exceeds coverage limits at that bank.
If you have questions about your coverage, or would like to learn more about FDIC insurance and how it works, we encourage you to access the following resources or give us a call.
THE SMART CHOICE FOR SAFEGUARDING YOUR IDENTITY.
PROTECTION | DETECTION | RESTORATION
Don’t wait to become a victim of identity theft, get protected today. Get ID TheftSmart and let licensed investigators protect your identity, detect fraudulent activity, and restore your peace of mind in the event you fall victim to identity theft.
We want to help protect our customers by offering them Credit Monitoring with ID TheftSmart to protect and restore their identity. This service allows customers to identify inaccuracies in credit data being reported by creditors. It also provides early detection of potentially fraudulent activity in their credit file.
Learn more below.
Jersey State Bank is now offering to our customers Identity Theft Restoration for your household. ID TheftSmart is your answer when your identity has been compromised. Kroll Fraud Solutions has forensic accountants, attorneys, investigative journalists, regulators and former law enforcement personnel that work on your behalf to protect, restore and preserve your identity.
Not only will you receive full service identity restoration from a licensed experienced investigator should you become a victim, but you will also have a resource to help answer questions or provide guidance on security and fraud related concerns, in order to head off possible issues before they materialize.
You get immediate and direct access to:
If you discover that your information may have been compromised, our professionals will:
If your identity is stolen, our licensed ID TheftSmart investigators will:
If you would like more information on how you can add the security and protection of the ID TheftSmart program for your entire household please contact us at (618) 498-6466.
Jersey State Bank is now offering to our customers Credit Monitoring with ID TheftSmart to protect and restore their identity. This service allows you to identify inaccuracies in credit data being reported by creditors. It also provides early detection of potentially fraudulent activity in their credit file.
When you enroll in Credit Monitoring with ID TheftSmart, they’ll receive notification when the following events occur:
Alerts are provided on a daily basis from the reporting agency. Notification of no activity is delivered on a monthly basis.
Credit Specialists are available 7am-7pm CST, Monday – Friday, excluding holidays at 1-866-825-4605 or855-848-8803.
You will have direct access to professionals who will provide:
You receive all this for a fraction of the cost of similar programs that are not nearly as comprehensive. If you would like more information on how you can add the security and protection of the ID TheftSmart program please contact us at (618) 498-6466.
Now you can setup up Push Notification alerts and control spending limits on your debit card all inside our Jersey State Bank mobile app with one login! Learn More!
Jersey State Bank utilizes a fraud detection program to prevent unauthorized use of your Debit Card. The program tracks the type of transactions you usually perform with your Debit Card and then compares that behavior with each new transaction and characteristics of fraud. If something seems suspicious, you may be called at home or cell phone to verify the transaction. Automated phone calls will come from (833)735-1892. If you are unavailable, a voice message will be left asking you to call and verify the transaction. If there is no reply, they will put a temporary block on your card. This program is for your protection as we try to eliminate Debit Card fraud.
If we have your cell phone number, you will receive a text alert when suspicious activity is detected on your JSB Debit Card. Text message alerts will come from 37-268. If you receive a fraud alert, it is asking you if the transaction listed in valid (something you did).
If you plan to use your Debit Card to purchase expensive items that are not typical of your card use, please contact the bank to notify us. 618-498-6466 or 618-786-2311.
Contact the bank if you plan to use your Jersey State Bank Debit Card while traveling out of the country or within the US but in states outside where you live. Due to fraud concerns, many foreign countries or out of state transactions may be declined if we were unaware of your plans.
Please complete our Travel Notice with the dates and places you will be traveling so we can place you on an exception list or setup a Travel Plan within our mobile banking app. Add countries and U.S. states to enable purchases in destinations you plan to visit all within our mobile banking app*.
📲 Click on Cards then Manage Travel Plans. Add up to 15 states and/or countries and dates of departure and return. Once the plan is submitted, it should go into effect immediately.
📞 In the event your card is stolen or lost, please report the missing card immediately to avoid any unnecessary losses and so we can put a transaction block on your card.
Contact us during business hours at 618-498-6466 or 618-786-2311. After hours, you can call CARD SERVICES directly at 800-472-3272.
📲 Report a debit card lost or stolen and immediately turn it off right from your phone all within our mobile banking app*.
Click on Cards and scroll down to Report Lost or Stolen Card it will then call 800-472-3272.
To report fraudulent activity after hours, you can call CARD SERVICES directly at 888-599-2920.
Click to view the guide. MasterCard Guide to Benefits as of 7-1-2019
To learn more, call Mastercard® Assistance Center at 1-800-627-8372 or en Español at 1-800-633-4466.
Receive your debit card before you leave the bank when you open your checking account. If you ever need a second card for another account holder or need to replace your card, you can get one instantly at our Jerseyville and Grafton branch. No need to wait for it to arrive in the mail!
Now, you can make purchases without your physical plastic card! Carry your Jersey State Bank cards in digital form by adding them to the mobile wallet on your smartphone. Add your Jersey State Bank card to these mobile wallets: Apple Pay®, Google Pay™, or Samsung Pay®. Learn More!
You can use your debit card with no fee using our surcharge-free ATM network. The MoneyPass® ATM network that allows you to use more than 40,000 ATMs nationwide for FREE! Click the logo below to find an ATM near you.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Refinancing at a lower rate has the potential to save you thousands of dollars in the long run. However, for refinancing to be worth it, the savings in interest must be greater than the fees (i.e. points, closing costs) involved with the refinancing process. The refinancing calculator will take these fees into consideration and tell you how much you could save (or lose) should you decide to refinance at a lower rate.
Given the information on your fixed rate mortgage, the fixed rate mortgage calculator will determine how much your mortgage payments will be.
Calculates the payments and interest on your adjustable rate mortgage.
A balloon mortgage consists of paying smaller amounts at first, and then paying the a large portion of the mortgage at one time. This will show you the amount needed for a mortgage with a balloon payment.
The mortgage comparison calculator gives you financial statistics on different types of loans.
You can save a lot of money if you increase your monthly mortgage payment in order to pay it off faster. Find out how much you could save over the life of your loan.
Computes the most expensive house you can buy.
Factors in the costs and benefits of consolidating your debts to determine whats the financially best way to pay them off.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Calculates the most expensive car you can afford.
Calculates a monthly savings amount in order to reach your college savings goal.
Computes how much money you will need to save each month in order to purchase something big.
Based on your financial details, the borrowing calculator determines how much money you can feasibly borrow and pay back.
Given loan information, determines the interest rate on that loan.
Determines the payment on a loan with a fixed rate.
Helps decide if an Auto Loan or Home Equity Loan is best for purchasing a car.
This calculator helps you evaluate various strategies for paying off your debt. When one debt is paid off, the payment amount normally applied to that debt is made available for use against another debt. This is referred to as the rollover strategy. Add an additional monthly payment for debt reduction to accelerate the payoff.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Enter each transaction from your investment portfolio and determine your percentage yields before and after fees and taxes.
Estimates a monthly deposit amount in order to save to a million dollars.
Determines the return rate on an investment.
Computes what an amount invested today will be worth at some point in the future.
Compute the total amount you would be able to save with monthly deposits.
Compute the rate of return you would need to reach your savings goal.
Compute how much money you would need to start with to reach a savings goal.
Computes the monthly deposit amount needed to reach a savings goal.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
Which is better, a Traditional IRA or a Roth IRA? Traditional IRAs offer tax-deferred earnings and tax-deductible contributions. Roth IRAs offer tax-free earnings, but contributions are not deductible.
Use this calculator to compute the amount you can save in a tax-deferred Traditional IRA. Contributions to your Traditional IRA are usually tax deductible now, but you pay taxes when you withdraw the funds in retirement.
Use this calculator to compute the amount you can save in a Roth IRA where you pay taxes on your income now, but withdraw the funds tax-free in retirement. Because this is a Roth IRA, your contribution limit is after taxes and your effective contribution limit is higher than a Traditional IRA. This calculator allows you to enter your annual deposit amount in "Before Tax" dollars so that the after tax deposit amount is automatically computed for you.
Use this calculator to find out how long you can make recurring withdrawals of a specified amount from your savings account.
Use this calculator to find out what rate of return you would need to make recurring withdrawals of a specified amount from an account.
Use this calculator to find out how much money you must have in your savings account to make recurring withdrawals of a specified amount.
Use this calculator to compute how much you will be able to regularly withdraw from your savings account before you run out.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
How long you plan to keep the property must be less than or equal to the new loan term
Your down payment exceeds the home price
This calculator computes the amount you can afford to lease.
This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.
This calculator computes the lease rate based on a known payment amount, lease amount, residual amount, and lease term.
This calculator computes the amount you can afford to lease.
This calculator computes the residual to satisfy a known payment amount, number of payments, lease rate, and lease amount.
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments
This calculator computes the payment amount necessary to satisfy a known lease amount, lease rate, residual amount, and number of payments.
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
Please be sure to fill out every field of the calculator even if they look pre-filled for you.
Conveniently make your loan payment with a credit or debit card!
*Additional service fee applies. By clicking ‘Make a one time payment’, you will leave our website and enter a site specific to making your loan payment via a debit or credit card.
Move money between your accounts from your mobile phone, tablet or computer.
Schedule your payment within our Online Banking System or our Mobile Banking app.
Give yourself one less bill to worry about. With our convenient loan payment transfer, your JSB loan is automatically paid on time — every time!
Sign up with our loan department today.
Sign up here for monthly payments
Your credit report is key for so many things, from financing major purchases to applying for a job. Regularly checking your credit report also helps you prevent identity theft. Each year, you are entitled to one free credit report through annualcreditreport.com or by calling 1-877-322-8228.