NetBanc Personal FAQ

Click on the links below for answers to frequently asked questions


How do I sign up for NetBanc Personal?

  • Choose the Sign Up For NetBanc Personal option from the Quick Links section of the JCBank home page or from the Let Us Help drop down menu. Upon receipt, all information on the application will be verified against information in your customer account file.

How do I log in to NetBanc Personal?

  • Choose the NetBanc Personal Login option from Online Access section of any page of the site.

How do I contact JCB if I have a question?

    NetBanc Personal inquiries should be directed to JCB Customer Service Monday thru Friday 8:30 am to 4:30 pm at (812) 522-3607 or

    JCB Customer Service Department
    PO Box 1001
    Seymour IN 47274

I have submitted my NetBanc Personal application to JCB. How long will it take to get
my username and temporary password?

  • JCB will stay in contact with you regarding the processing, as well as acceptance status of your application, from the time that the application is received. Upon receipt of your approval email, you should expect delivery of your Welcome Kit within 5 to 7 working days via the United States Postal Service. You should contact JCB promptly if after 7 working days you have not received your Welcome Kit.

When I sign up for NetBanc Personal, what accounts will I be able to view?

  • You will be able to view the personal accounts for which you are an owner or signer.

How late can I go online and transfer money or pay my JCB loan payment on today’s business?

  • The NetBanc Personal cut off time is 6 pm Eastern Standard Time.

Can I pay off a loan via NetBanc Personal?

  • No, the loan balance reflected on NetBanc Personal is principal and interest only. This balance will not reflect any other applicable fees such as release fees, legal fees, etc. You are required to contact JCB directly to pay off a loan.

How much transaction history can I access via NetBanc Personal?

  • JCB offers up to 18 months of history via the All Transactions option under each account’s Transactions menu. For quick access, there are shortcut options to current and previous statement cycles also available via the Transactions menu.

What types of loan payments can I make via NetBanc Personal?

    NetBanc Personal affords customized payment options depending upon the loan type. Simply go to the “Express Transfer” screen within NetBanc Personal and choose the account to be debited from the drop down box at the top of the page. Next to the loan account to be credited, enter the dollar amount of the payment in the white text box and choose the type of payment to be made from the available options in the drop down box next to the payment amount text box. Click the “Next” button at the bottom of the page to submit the payment. An information verification screen will be displayed. If all information is correct, click the “Submit” button. A confirmation number will be assigned to the transaction and displayed for you. Retain the confirmation number.

    Payment options by loan type are as follows:

  • Mortgage Loans – Regular, Principal Only or Escrow Only
  • Home Equity Line of Credit – Regular, Principal Only or Interest Only
  • Consumer Loans – Regular or Principal Only
  • Cashline Loans – Regular or Principal Only

Can I pay my Cashline to a zero balance via NetBanc Personal?

  • Yes, however the act of paying a Cashline loan to a zero balance via NetBanc Personal does not close the account.

I have forgotten my password. Can you tell me what it is?

  • No, JCB has no knowledge of or access to your password.

If I am locked out of NetBanc Personal, how may I request the account be unlocked
or request a replacement password?

  • Choose the Unlock or Reset Your Access option from the Quick Links section of the JCBank home page. This form allows you to verify appropriate information to request an account unlock and if applicable a replacement password in a secure environment. Please allow a full working day for processing of your request.

What is the difference between an Express Transfer and a Routine Transfer?

  • An Express Transfer is a one time transaction initiated by NetBanc Personal immediately when the Submit button is clicked.
  • A Routine Transfer is a transaction instruction the NetBanc Personal system uses at nightly processing to build a transfer template which can be reused as needed by simply assigning an amount. Any existing templates can be accessed by selecting the Transfer List option from the Transfer menu within NetBanc Personal.

How can I sign up for Bill Pay Service?

  • Choose the Sign Up For Bill Pay option from the Quick Links section of the JCBank home page. This form allows you to verify appropriate information to request enrollment in Bill Pay Service in a secure environment. Please allow 2 to 4 working days for the packet to reach you via the US Postal Service.

Is there a fee for NetBanc Personal?

  • No, the service is offered to personal banking customers at no charge.

What happens if I enroll in NetBanc Personal and do not use it?

  • If NetBanc Personal is not accessed for a period of 6 months, the online account is closed due to inactivity.

Can activity be exported from the NetBanc Personal System?

  • Yes, if your personal financial software supports an included export format a file can be created and exported directly from NetBanc Personal. Although JCB can not support your personal financial software, there are some tips for getting started in the Help section. Information can also be exported into Excel and into your personal financial software from Excel