Current Rates: See today’s interest rates for all JBT products.

Financial Calculators: Determine the cost of a loan or see how your savings will add up.

Check your JBT Visa®
account balance.


Apply for a JBT Visa® card.

Free Credit Report

Savings Bond Calculator

Currency Converter

Whether you want “just the basics,” lots of extras, or something in between, JBT offers services that are perfect for your lifestyle and financial needs. It all comes with the courteous service and community focus we’ve built our reputation upon – plus available convenience features like JBT 24-hour access line, JBT Online and Mobile Banking, and an ATM Card with no service fees at JBT locations!

Take a look at all the options below, then visit your nearest JBT office to select the blend of products and services that fit you best.

Deposit Accounts

Non-Interest Earning Checking
Looking for a great “basic” checking account to fit your lifestyle and spending needs? We've got you covered, with this feature-filled option.

JBT Freedom Checking
Freedom from a minimum balance requirement, while you still enjoy unlimited check writing, plus:

  • Convenient JBT 24-hour access line
  • JBT Online and Mobile Banking
  • Free JBT Debit MasterCard® Card available
  • ATM use with no JBT service fees
  • Automatic check safekeeping
  • Free electronic Bill Pay
  • Preferred loan rates with automatic debit from JBT deposit account
  • Available overdraft protection with savings or money market deposit account or approved line of credit

Contact us for details

Interest Bearing Checking
Put your money to work by earning interest on your checking account balance! Solid rates – plus features, discounts and options you’re sure to like.

eWards Checking
With an eWards Checking* account, you’re sure to get the best deal around! Simply open eWards Checking with Online Banking and Bill Pay. Then, each statement cycle receive FREE eStatements from JBT, pay 1 bill with JBT Online Bill Pay and make 20 or more JBT debit card transactions and you’ll enjoy:

  • NO Minimum Balance requirement.
  • 1.00% APY on balances up to $20,000.
  • 0.02% APY if you don't meet qualifications,
    or on any balance over the $20,000 limit.

Get details and open your account today
at your nearest branch.

*JBT eWards Checking is available for personal accounts only. APYs may change at any time on variable rate accounts and are accurate as of 3/31/14. Fees may reduce earnings. 3rd party charges for data and messaging may apply. Special offers excluded. Offer may be withdrawn without notice.

Premier checking
This account offers a great combination of solid tiered interest rates and easy access to funds. If your balance dips below the minimum requirement of $2,500, you can eliminate monthly service charges by keeping a $2,500 compensating balance in your savings or money market deposit accounts. Enjoy unlimited check writing, use of our JBT 24-hour access line, JBT Online and Mobile Banking, ATM use with no service fees at all JBT locations, and a free JBT Debit MasterCard® Card. Plus:

  • FREE blue wallet-size checks, or a $5 credit toward your favorite specialty checks.
  • No per-check charge.
  • Earn extra interest on CDs – up to 0.50% more – with aggregate JBT deposit balance of $7,500.*
  • 0.25% discount on Installment Loans with automatic payment from your JBT deposit account.
  • 25% DISCOUNT on any size safe deposit box/express box (if box is available).

*Extra interest of 0.00% to 0.50% added to regular CD rates. Special offers excluded. May be withdrawn without notice.

Current yields   Contact us for details

Prestige checking
The Prestige account gives our customers age 50 and over special features not found in other checking accounts. It offers unlimited check writing, use of our JBT 24-hour access line, JBT Online and Mobile Banking, ATM use with no service fees at all JBT locations, and a JBT Debit MasterCard® Card. Earn solid interest on your funds plus these additional financial advantages that come in the prime of life:

  • No minimum balance requirement.
  • FREE blue wallet-size checks, or a $5 credit toward your favorite specialty checks.
  • No per-check charge.
  • Earn extra interest on CDs – up to 0.50% more – with aggregate JBT deposit balance of $7,500.*
  • 0.25% discount on Installment Loans with automatic payment from your JBT deposit account.
  • 25% DISCOUNT on any size safe deposit box/express box (if box is available).

*Extra interest of 0.00% to 0.50% added to regular CD rates. Special offers excluded. May be withdrawn without notice.

Current yields   Contact us for details

Return to top

Prime Money Market Account
A money market account that won’t penalize you for low balances! With no minimum balance requirement, every dollar stays in your account – no matter how low your balance may dip. Plus, when your daily account balance reaches $2,500, you’ll earn tiered yields. The higher your balance, the better the interest.

Current yields   Contact us for details

Savings

Statement Savings
Even with our basic savings account, a low minimum balance lets you avoid a service charge – while you earn interest on every dollar. Plus, you enjoy:

  • Convenient JBT 24-hour access line
  • ATM use with no JBT service fees

Low service charge if under a $100 minimum monthly balance

Current yields   Contact us for details

Young Investors Savings
With no minimum balance, customers under the age of 18 can start saving – and earning interest – with no monthly service charge.

Current yields   Contact us for details

Interest Bearing Clubs

 

Holiday Club
A traditional way to earn interest while you save for holiday spending. Our Holiday Club is automatically renewable each year – no need to open a new account. Also:

  • Make any size payment at any time
  • Distribution can be made by check or direct deposit in your JBT checking or savings account
  • Penalty for early withdrawal

Current yields   Contact us for details

All Purpose Club
Earn interest while you save for any purpose – to pay taxes, take a vacation, or finance a special project.

  • Set up an annual anniversary date in whatever month you choose
  • Make any size payment at any time
  • Automatically renewable, no need to open a new account every year
  • Penalty for early withdrawal

Current yields   Contact us for details

Return to top

Certificate of Deposit
With a small $500 minimum opening deposit, JBT CDs feature flexible interest payment plans.

  • Collect interest monthly, quarterly, semiannually or annually
  • Interest may be reinvested with principal or taken as income
  • Take interest income through direct deposit to JBT deposit account
  • Terms are available from 7 days to 60 months
  • Automatically renewable at the end of term
  • There are special rates for CDs of $100,000 or more – as well as preferred rates for customers with Prestige or Premier Checking
  • Penalty for early withdrawal

Current yields   Contact us for details

Certificate of Deposit Account Registry Service (CDARS®)
Receive full FDIC insurance on multi-million dollar deposits (minimum amount: $95,000). Ask for details.

This is Safe   How it Works 
Contact us for details

Individual Retirement Accounts
JBT IRAs are ideal for anyone with employment income – including those who are self-employed. Both Traditional IRAs and Roth IRAs are available. Depending on your circumstances, your IRA may be eligible for a tax deduction. (Consult a tax advisor regarding your deductions.)

  • No minimum balance to open or maintain
  • Simplifies retirement planning
  • Make deposits at any time during the year, in any amount, up to your maximum
  • Arrange a periodic automatic deduction from JBT deposit account directly into your IRA
  • Employer may set up a payroll deduction for automatic deposit into IRA
  • Fixed rate account with a term of 12, 24, 36, 48, 60 months
  • Adjustable rate account for 18 months
  • Penalty for early withdrawal

Current yields   Contact us for details

Return to top

Lending Services

Mortgages
Whether you’re a first-time buyer, or simply upgrading from your old home, there’s one instant advantage to handling your mortgage with JBT. As a local bank, you have the option of having us manage your mortgage right here in both Lebanon and Lancaster Counties. So if you ever have any questions on your loan, you can call nearby to get all your answers – right from people you know. Look at what a JBT Mortgage can do for you:

  • Free pre-approval on home purchases
  • You have the option of local loan servicing
  • 1-settlement closing on new construction
  • Competitive fixed and adjustable rates
  • PLUS, we’ll attend the settlement with you!

To serve you even better, we’ve enhanced our mortgage program to provide a complete range of options:

  • Fixed Rate Loans
  • Adjustable Rate Loans
  • Construction Loans
  • Conventional Loans
  • Specialty Loans

Apply for a Mortgage

Home Equity Loans
Use the equity in your home to finance home improvements, major purchases, or consolidate debt with a JBT Home Equity Loan. You'll receive a fixed-rate loan with specific repayment amounts and terms.

  • Interest may be tax deductible (ask your tax advisor)
  • Enjoy a reduced interest rate with automatic payment deduction from a JBT checking or savings account.

Homeowners insurance is required with our Home Equity products. An appraisal and title insurance may be necessary.

Apply for a Home Equity Loan

Home Equity Lines of Credit
Use the equity in your home to establish a Home Equity Line of Credit. Use it to make home improvements, consolidate debt, make large purchases, or even finance a vacation.

  • Convenience of immediate buying power
  • Flexibility of revolving credit line that you can pay off and use again and again – without applying for another loan.
  • Make purchases against the line of credit simply by writing a check
  • Adjustable rate loan. APR will vary. Ask us for current index and margin information.
  • Interest may be tax deductible (ask your tax advisor)

Homeowners insurance is required with our Home Equity products. An appraisal and title insurance may be necessary.

Apply for a Home Equity Line of Credit

JBT Lifestyle Loans
JBT makes it easy to fund life's little extras, as well as its big surprises, with a variety of loan options at very competitive rates. In some cases, loans may be unsecured – traditionally referred to as “signature loans.” In other cases, we may require that the loan be “secured” by collateral, such as a JBT CD. Typically, secured loans are available at lower rates than unsecured loans.

As a local community bank, JBT can offer more flexibility and creativity in offering and structuring loans. A new boat, an RV, a motorcycle – there are more reasons you might need a loan than we can list here! Talk to a JBT customer service specialist today about your unique needs and let them help you choose the options that work best for you.

Apply for a JBT Lifestyle Loan

Auto Loans
If you're thinking about buying a new or used vehicle, stop by one of our branch locations, or give us a call. We offer flexible rates and terms, which vary depending on the age of the vehicle and repayment terms. To take advantage of our lowest rates, have the loan payment automatically withdrawn from your JBT checking or savings account.

Apply for an Auto Loan

Credit Cards
JBT offers a variety of Visa® credit cards that match your individual needs and lifestyle. Click Apply for Credit Card to start now, pick up a brochure at any JBT office, or call us and we'll mail one to you.

Available cards include:

  • Visa® Bonus Rewards
  • Visa® Bonus Rewards PLUS
  • Visa® Platinum
  • College Rewards Visa®
  • Secured Visa® Card

All cards feature these benefits:

  • Visa® Zero Liability*, which protects you against unauthorized use of your card
  • 24-Hour card member service
  • Free online account access

    *Certain restrictions may apply

Apply for a Credit Card

Return to top

Convenience Services

At JBT, our goal is to provide every banking service you need and make managing your personal finances a little bit easier. That’s why we offer services like these:

Client Resource Center
For information or assistance, you can contact our Client Resource Center weekdays from 8 am to 6 pm and Saturdays 8 am to noon. Call (717) 274-5180 option #1, send a secure message through your JBT Online Banking Account, or email us at eservice@bankjbt.com. You can also visit your closest JBT office. Click here for a list of offices and locations.

Important Security Information: Safeguard the privacy of your personal information through e-mail by NOT including personal information, such as Social Security numbers, account numbers, personal identification numbers (PINs) and account balances in your message. To share this type of information, visit your closest JBT office, use the secure message feature on JBT Online Banking or call us at (717) 274-5180.

JBT Debit MasterCard®
Provides you with the convenience of making purchases – without the hassle of writing a check.

  • Safer than carrying cash
  • Accepted anywhere MasterCard® is accepted
  • Purchases are automatically deducted from your
    JBT checking account
  • Shop. Swipe. Save. Sign up for Prewards

Debit Card Anti-fraud Program
717-274-5180

Protecting your identity is important to us. That's why our anti-fraud program stays on top of out-of-the-ordinary debit card charges. So if you're planning to use your JBT debit card as you travel, call this number first: 717-274-5180. We'll make sure your card isn't blocked when you're spending time—and money—away from home.

Debit MasterCard® is a registered trademark of MasterCard® International Inc.

JBT Online Banking
Enjoy the freedom of taking care of all your banking needs any time of day or night, every day of the year. We make it easy to:

  • Check your account balances and history
  • Transfer funds between accounts
  • Pay your bills
  • Reconcile accounts
  • Stop payments
  • Research product information and rates - and more!

Learn more about JBT Online Banking here.

JBT Mobile Banking
Now you can bank from anywhere, anytime, using your smart phone. With JBT’s secure mobile banking app, it’s easy to:  

  • Access all your accounts
  • Check balances
  • Transfer funds between accounts
  • View account transaction histories
  • Pay your bills
  • Do everything JBT Online Banking does, from anywhere

Learn more about JBT Mobile Banking here.
Smart phone carrier fees apply and some JBT business online banking services are fee-based. Please see our website's Business Solutions section for details.

JBT 24-hour access line
Call our JBT 24-hour access line to review account information, transfer funds between accounts, make loan payments, and more. You can bank by phone toll-free at 1-888-850-5282.

Safe Deposit Boxes
Every branch has a variety of sizes available to keep valuable papers, coin collections, antiques and more. Remember—you get a discounted price if you are a Prestige or Premier Checking customer.

ATM Cards
Take advantage of 24 hour access to your cash with a JBT no-fee ATM card.

ATMs are at each JBT office PLUS these convenient sites around Lebanon Valley:

  • Best Western Inn at Hershey
  • Farmstead Farmers Market (during market hours only)
  • Holiday Inn at Grantville
  • Lebanon Farmers Market (during market hours only)
  • Lebanon Mart
  • LeSorelle in Mt. Gretna
  • Lickdale Exxon
  • Micks All American Pub in Lititz
  • Penn Cinema in Lititz
  • Zweier’s FoodKart in Lebanon

Money Wire Transfers
Need to send money fast? Our money wire transfer service is a fast and efficient way to send money almost anywhere, even internationally, from your full-service community bank.

Plus More…

  • Automatic Debits: Loan Payments
  • Bank by Mail
  • Copy and fax machines available in our offices
  • Money Orders
  • Night Depository
  • Phone Transfers

Return to top

Deposit Accounts

Non-Interest Earning Checking
Interest Bearing Checking
Prime Money Market Account
Savings
Certificate of Deposit
CDARS®
Individual Retirement Accounts

Lending Services

Mortgages
Home Equity Loans
Home Equity Lines of Credit
JBT Lifestyle Loans
Auto Loans
Credit Cards

Convenience Services

Client Service Center
JBT Debit MasterCard® JBT Online Banking
JBT Mobile Banking
JBT 24-hour access line
Safe Deposit Boxes
ATM Cards
Money Wire Transfers
Plus More…

Fee Schedule

Now you can apply for a loan online at JBT anytime and get an answer fast.

Apply now or learn more about:

> Mortgage
> Home Equity Loan
> Home Equity Line of Credit
> JBT Lifestyle Loan
> Auto Loan
> Credit Card

USA PATRIOT ACT · PRIVACY PRINCIPLES · SECURITY · CONTACT US · HOME
©2014 Jonestown Bank & Trust Co.

Member FDIC • Equal Housing Lender