Join the JP Stone family — open an account today! As a bank that has stayed strong for over one hundred years, we believe in sticking with the tried and true. We offer no-frills, down-to-earth accounts that will serve our customers reliably for the next hundred years. Pair them with our consumer-oriented services for the ideal banking experience!
Checking Open All
Fastrac Checking
With no hidden fees or maintenance costs, a Fastrac account is the low-maintenance, low-cost option perfect for anyone who wants simplicity. Please note: Statements do not include images, so if that would be a beneficial feature, consider our Regular Checking instead!
- $50 initial deposit
- No minimum balance required
- $5 Paper Statement Fee per statement cycle
- Avoid fee by enrolling in e-statements
Regular Checking
A regular checking account is for the intermediate banking individual, sole proprietors, or anyone who often deals with checks. Statements include images, so you always have an easy-to-access paper trail for your records. This account must maintain a minimum daily balance of $500 to avoid monthly minimum balance fees.
- $100 initial deposit
- Minimum Balance Fee if balance falls below $500 any day in monthly statement cycle
| Balance below…* | Fee |
|---|---|
| $100 | $8 |
| $200 | $7 |
| $300 | $6 |
| $400 | $5 |
| $500 | $4 |
| * On any day in monthly cycle | |
- $5 Paper Statement Fee per statement cycle
- Avoid fee by enrolling in e-statements
- Substitute checks in statement
Pioneer Checking
Ask us about our Pioneer Checking, which is tailored for customers 65 years of age or older. We believe you’ll enjoy the various benefits of being a Pioneer customer!
NOW Account
Would you love an account that rewards you for maintaining a balance? Meet our interest-bearing checking account that’s perfect for anyone who will maintain at least a $500 daily account balance. Earn interest like a savings account while enjoying the flexibility of a checking account, with no limits on withdrawals. Don’t let your money just sit there — make it work for you in a NOW Account!
- $500 initial deposit
- Interest-bearing account1, calculated by the daily balance method, compounded and credited monthly
- $12 Minimum Balance Fee if balance falls below $500 any day in monthly statement cycle
- $5 Paper Statement Fee per statement cycle
- Avoid fee by enrolling in e-statements
- Substitute checks in statement
Savings & CDs Open All
Savings
Want to start saving? This is a low-maintenance, low-cost savings account that teaches the importance of saving, by rewarding you with interest that compounds daily! It’s simple to open, with an easy-to-meet threshold of only $100 for the initial deposit and the daily minimum balance. Open an account today — it’s never too late to start saving!
- $100 initial deposit
- Interest-bearing account1, calculated by the daily balance method, compounded daily and credited quarterly
- $2 Minimum Balance Fee if balance falls below $100 any day during quarterly statement cycle
- $4 Excessive Item Fee per item after six debits/withdrawals per quarterly statement cycle2
- $5 Paper Statement Fee per statement cycle
- Avoid fee by enrolling in e-statements
- Substitute checks in statement
Pioneer Savings
Ask us about our Pioneer Savings, which is tailored for customers 65 years of age or older. We believe you’ll enjoy the various benefits of being a Pioneer customer!
Certificate of Deposit
Get rewarded for leaving your money in savings long-term! A Certificate of Deposit (CD) is typically thought of as a long-term savings account. We offer three terms to fit your needs, from 6 to 24 months. In these times of fluctuating interest rates, protect yourself with a locked in rate!*
Term -182 Days
Special Rate Time Deposits
182 day time deposit at 3.79% APY *
* APY-Annual percentage rate. Minimum balance to open is $1,000 and minimum to earn APY is $.01. A penalty may be imposed for early withdrawal and fees may reduce earnings on the account. Rates effective as of 11/13/2024.
Term - 12 Months
Special Rate Time Deposits
12 month time deposit at 3.00% APY *
* APY-Annual percentage rate. Minimum balance to open is $1,000 and minimum to earn APY is $.01. A penalty may be imposed for early withdrawal and fees may reduce earnings on the account. Rates effective as of 11/13/2024.
Term - 24 Months
Special Rate Time Deposits
24 month time deposit at 1.76% APY *
* APY-Annual percentage rate. Minimum balance to open is $1,000 and minimum to earn APY is $.01. A penalty may be imposed for early withdrawal and fees may reduce earnings on the account. Interest compounds quarterly. Rates effective as of 11/13/2024.
- $1,000 minimum to open
- Fixed interest rates
- Accrued interest compounded quarterly for terms over 12 months
- Auto-renewing CDs available
* Penalties apply for early withdrawal
Savings bonds can now be ordered online at TreasuryDirect.gov
1 We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.
2 Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per quarterly statement cycle with no transfers by check, draft, debit card, or similar order to third parties.