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G.W. Jones Exchange Bank

Checking

To open a deposit account, simply visit any of our branches during regular business hours and have your valid government-issued identification available, as well as your social security number.
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Regular Checking

 
  • $50 minimum deposit to open
  • No minimum balance
  • ATM/Debit card available
  • Overdraft/Ready Reserve account available
  • Online Banking and Bill Pay services available without a fee
  • Maintenance fee charged each statement cycle


Senior Checking

 
  • Available to customers age 55 and older
  • $50 minimum deposit to open
  • No minimum balance
  • ATM/Debit card available
  • Overdraft/Ready Reserve account available
  • Online Banking and Bill Pay services available without a fee
  • No monthly maintenance fee if eStatements or paper statements without images chosen by customer


Interest Earning Checking

 
  • $50 minimum deposit to open
  • $500 minimum daily balance to avoid low balance fee
  • $500 minimum daily balance to obtain the disclosed annual percentage yield
  • Interest compounded and credited monthly
  • ATM/Debit card available
  • Overdraft/Ready Reserve account available
  • Online banking and Bill Pay services available without a fee
  • No monthly maintenance fee if eStatements or paper statements without images chosen by customer


Super Interest Earning Checking

 
  • $50 minimum deposit to open
  • $2,500 minimum daily balance to avoid low balance fee
  • $2,500 minimum daily balance to obtain the disclosed annual percentage yield
  • Interest compounded and credited monthly
  • ATM/Debit card available
  • Online banking and Bill Pay services available without a fee
  • No monthly maintenance fee if eStatements or paper statements without images chosen by customer
 

Business Checking

 
  • $50 minimum deposit to open
  • No minimum balance
  • ATM/Debit card available in authorized signer’s name
  • Online banking services available without a fee
  • Maintenance fee charged each statement cycle
  • ACH Origination for payroll is available


Business Interest Earning Checking

 
  • Available to DBA Sole Proprietorships, Sole Proprietorships, and Non-Profit Organizations that meet 501(c) eligibility requirements
  • $50 minimum deposit to open
  • $500 minimum daily balance to avoid low balance fee
  • $500 minimum daily balance to obtain the disclosed annual percentage yield
  • Interest compounded and credited monthly
  • ATM/Debit card available in authorized signer’s name
  • Online banking available without a fee
  • No monthly maintenance fee if eStatements or paper statements without images chosen by customer
  • ACH Origination for payroll is available


Business Super Interest Earning Checking

 
  • $50 minimum deposit to open
  • $2,500 minimum daily balance to avoid low balance fee
  • $2,500 minimum daily balance to obtain the disclosed annual percentage yield
  • Interest compounded and credited monthly
  • ATM/Debit card available in authorized signers’ name
  • Online banking available without a fee
  • Transaction limitations apply
  • No monthly maintenance fee if eStatements or paper statements without images chosen by customer
  • ACH Origination for payroll is available


Corporate Checking

 
  • Available to Partnerships, LLCs, and Corporations
  • $50 minimum deposit to open
  • ATM/Debit card available in authorized signer’s name
  • Online banking available without a fee
  • Maintenance fee charged each statement cycle
  • $.15 per debit fee assessed monthly
  • ACH Origination for payroll is available


Student Checking

 
  • Available to customers ages 16-24 who are attending college
  • Customers under 18 must have parent or legal guardian on the account
  • Customers must enroll for Online Banking and eStatements
  • $50 minimum deposit to open
  • No minimum balance fee
  • ATM/Debit card may be issued if the student is 18 or older
  • Online Banking and Bill Pay services available without a fee
  • No monthly maintenance fees
  • No ATM fees (our bank)
  • No transfer fees
  • Account will be converted to a Regular Checking with fees and terms to apply at the time of graduation or 5 years after the account is opened
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