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 internet 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.

Money Management Services

Non-interest checking
Looking for a great “basic” checking account to fit your lifestyle and spending needs? We’ve got you covered, with two feature-filled options.

Regular checking
Enjoy the flexibility of writing an unlimited number of checks every month, and a whole host of other features:

• Low, $200 minimum monthly balance requirement to avoid a service charge
• Convenient JBT 24-hour access line
• JBT internet banking
• Free JBT Debit MasterCard^® Card available
• ATM use with no JBT service fees
• Free electronic Bill Pay
• Preferred loan rates with automatic debit from JBT deposit account
• Available overdraft protection with savings, money market deposit account or approved line of credit

Contact us for details

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

• Convenient JBT 24-hour access line
• JBT internet 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 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.

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 internet 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
• 1/4% higher rate on CDs at JBT if you have at least $7,500 aggregate total in deposit accounts and CDs at JBT (Special offers excluded)
• 1/4% discount on Installment Loans with automatic payment from your JBT deposit account
• FREE Bank-by-Mail deposit tickets and mailers
• 25% DISCOUNT on any size safe deposit box

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 internet 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
• 1/4% higher rate on CDs at JBT if you have at least $7,500 aggregate total in deposit accounts and CDs at JBT (Special offers excluded)
• 1/4% discount on Installment Loans with automatic payment from your JBT deposit account
• FREE Bank-by-Mail deposit tickets and mailers
• 25% DISCOUNT on any size safe deposit box

Current yields   Contact us for details

JBT Debit MasterCard^® Card
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

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

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Investment accounts

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

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Certificates 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
• Certificate of Deposit Account Registry Service^® (CDARS^®) available – receive full FDIC insurance on deposit amounts larger than $100,000 -- up to $50 million (minimum amount: $95,000). Ask for details.
• Penalty for early withdrawal

Current yields   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 24, 36, 48, 60 months
• Adjustable rate account for 18 months
• Penalty for early withdrawal

Current yields   Contact us for details

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Personal Lending Services

Get the JBT Mortgage Advantage
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 completely local bank, you have the option of having us manage your mortgage right here in Lebanon County. 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:

• First Time Home Buyers Loans
• Fixed Rate Loans
• Adjustable Rate Loans
• Construction Loans
• Conventional Loans
• Specialty Loans

Current rates   Contact us for details

Home equity options

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 reduced interest rate with automatic payment deduction from JBT checking or savings account

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

Current rates   Contact us for details

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.

Current rates   Contact us for details

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.

Current rates   Contact us for details

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.

Current rates   Contact us for details

Credit cards
JBT offers a variety of Visa^® credit cards credit cards that match your individual needs and lifestyle. Stop into any JBT office to pick up an application, or call us and we’ll mail one to you.

Available cards include:

• Cash Rewards Visa^® Platinum
• Select Rewards Visa^® Platinum
• College Rewards Visa^®
• Young Adult Visa^®
• Visa^® Signature
• Visa^® Platinum

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 card    Contact us for details

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Electronic Banking Services

Bank when it fits your schedule best. With JBT internet banking and JBT 24-hour access line, you can manage your finances from any internet-accessible computer or telephone. And do it with complete confidence, because only you know your password and JBT uses the latest technology to scramble transmissions between you and the bank. Plus, we adhere to a strict privacy policy to further protect you and your financial information.

JBT internet banking
Enjoy the freedom of taking care of all your banking needs any time of day or night, every day of the year.
Click here to test drive internet banking and see how easy it can be to:

• Check your account balances and history
• Transfer funds between accounts
• Pay your bills
• Reconcile accounts
• Stop payments
• Re-order checks
• Open new accounts
• Apply for loans
• Research product information and rates
• Purchase savings bonds - and more!

Click here to sign up now

JBT 24-hour access line
Call our JBT 24-hour access line to review account information, transfer funds between accounts (must be enrolled to transfer funds), make loan payments, and more. The local number is 717-306-1100. If you’re out of town, you can still bank by phone toll-free at 1-888-850-5282.

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Customer 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:

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:

• Lebanon Mart
• LeSorelle in Mt. Gretna
• Holiday Inn at Grantville
• Best Western Inn at Hershey
• Twin Grove Campground
• Doug’s MaxiMart in Richland
• Farmstead Farmers Market (during market hours)

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 these other services . . .

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

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