Checking Accounts

Non-Interest Bearing Checking Accounts

Choice Checking

  • Minimum balance to open account is $100.
  • Unlimited check writing.
  • Required to receive Online Statements via Internet Banking to avoid monthly service charge of $6.
  • OR
  • Must maintain a minimum daily balance of $300 to avoid monthly service charge of $6.

BancPac Basic Plan

  • Minimum balance to open account is $100.
  • $10,000 accidental death & dismemberment insurance.
    (Not FDIC-Insured, Not a Deposit, Not Insured by any Federal Government Agency and Not Guaranteed by the Bank)
  • $8 monthly BancPac Membership fee.
  • 2 free boxes of personalized BancPac checks per calendar year.
  • Call us for additional benefits.

BancPac Family Plan

  • Minimum balance to open account is $100.
  • $30,000 accidental death & dismemberment insurance.
    (Not FDIC-Insured, Not a Deposit, Not Insured by any Federal Government Agency and Not Guaranteed by the Bank)
  • $10 monthly BancPac Membership fee.
  • 2 free boxes of personalized BancPac checks per calendar year.
  • Call us for additional benefits.

T-Club Account – 62 yrs. or Older

  • Minimum balance to open account is $100.
  • Free personalized T-Club checks upon request.
  • No monthly service charge.
  • Unlimited check writing.

Regular Checking Accounts

  • Minimum balance to open account is $100.
  • Must maintain a minimum daily balance of $600 to avoid a $6 monthly service charge.

Business Checking Accounts

  • Minimum balance to open account is $100.
  • Must maintain a minimum daily balance of $1,000 to avoid a $10 monthly service charge.

Other Services Available:

Internet Banking

  • Free Online Banking for Consumer and Commercial Accounts
  • Free Bill Pay for Consumer and Commercial Accounts
  • Cash Management Online Banking Services available – call for details

Mobile Banking

  • Jacksboro National Bank offers you the ability to access Bank services 24 hours a day 7 days a week anywhere in the world from any mobile device with internet or text messaging capabilities.
  • Three (3) options to choose from or you can use all three (requires enrollment in MyBankTexas Online Internet Banking which is free and a mobile device):    
    • SMS (text messaging)
    • Mobile Browsing (requires a mobile device with internet capability)
    • JNB’s Mobile APP (requires a mobile device with internet capability)
  • Disclaimer: Additional charges may apply for Internet usage depending on your wireless carrier. Please consult your wireless provider/carrier for details on correlated rates and charges.
  • Click here to get started

Interest Bearing Checking Accounts

NOW (variable rate)

  • Minimum balance to open account is $1,000.
  • Must maintain a minimum daily balance of $1,000 to avoid a $10 monthly service charge.
  • No per item charges

Money Market Tiered Account (variable rate)

  • Minimum balance to open account is $ 2,500.
  • Must maintain a minimum daily balance of $2,500 to avoid a $15 monthly service charge.
  • A customer can make six pre-authorized or telephone transfers or withdrawals per statement cycle. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. There is a $15 charge if you exceed six withdrawals per statement cycle.
  • The interest rate and annual percentage yield is based on a tiered rate schedule and will depend upon the daily balance in the account. Higher tiers will earn a higher annual percentage yield.

Other Options Available:

Internet Banking

  • Free Consumer Online Banking for Consumer and Commercial Accounts
  • Free Bill Pay for Consumer and Commercial Accounts
  • Cash Management Online Banking Services available – call for details

Mobile Banking

  • Jacksboro National Bank offers you the ability to access Bank services 24 hours a day 7 days a week anywhere in the world from any mobile device with internet or text messaging capabilities.
  • Three (3) options to choose from or you can use all three (requires enrollment in MyBankTexas Online Internet  Banking which is free and a mobile device):
    • SMS (text messaging)
    • Mobile Browsing (requires a mobile device with internet capability)
    • JNB’s Mobile APP (requires a mobile device with internet capability)
  • Disclaimer: Additional charges may apply for Internet usage depending on your wireless carrier. Please consult your wireless provider/carrier for details on correlated rates and charges.
  • Click here to get started

Saving Accounts

Regular and Commercial Savings Account (variable rate)

  • Minimum balance to open account is $100.
  • $5 Excessive withdrawal fee per withdrawal in excess of 6 per quarter.
  • Must maintain a minimum daily balance of $100 to avoid a $5 quarterly service charge.
  • Statements mailed quarterly.

Centennial Account (variable rate)

  • Minimum balance to open account $10,000.
  • Must maintain a daily balance of $10,000.
  • Maximum 2 withdrawals per month (1st withdrawal is free, second withdrawal $2.00).
  • Statements mailed monthly.
  • Restrictions apply – Contact us for more details.

Individual Retirement Accounts (IRA’s)

JNB offers an 18 month variable rate IRA (Traditional or Roth) for qualified individuals who wish to take advantage of special tax benefits and save for retirement. Some IRA contributions and all interest earnings are tax-exempt until withdrawn. Call for details on how this attractive long-term savings plan can benefit you and your spouse.

Health Savings Account (HSA’s) (variable rate)

  • Minimum balance to open account is $500.
  • $1.00 per month service charge fee if the average daily account balance falls below $500.
  • Interest paid on the account if the daily average balance is $5,000 or more during the current statement cycle.
  • Transactions are by debit card only!