Frequently Asked Questions

Click here to sign up for Online Banking. Should you have trouble with the enrollment process, please contact Customer Service at (800) 204-6477 or visit your local JCBank to inquire.

Choose the LOG IN button in the upper right corner of this website.

Contact Customer Service at (800) 204-6477 or visit your local JCBank.

With successful enrollment, access is immediate. Should you have trouble with the enrollment process, please contact Customer Service at (800) 204-6477 or visit your local JCBank to inquire.

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

The Online Banking cut off time is 6 p.m. Eastern Standard Time.

No, the loan balance reflected on Online Banking 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 JCBank directly to pay off a loan.

JCBank 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.

Online Banking affords customized payment options depending upon the loan type. Simply go to the “Express Transfer” screen within Online Banking and choose the account to be debited from the dropdown 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 dropdown 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

Yes, however the act of paying a Cashline loan to a zero balance via Online Banking does not close the account.

JCBank has no knowledge of or access to your password. Should you need to reset your password, you can do this by using the forgotten password link within Online Banking. Go to the Online Banking login, enter your Access ID and Submit. If prompted, answer challenge questions. When prompted for the password, click the link "Did you forget your password" located under the Submit button. Answer a few questions to receive a temporary password and access your account within minutes. This also works if your account is “locked out/disabled.”

To unlock your disabled account, go to the Online Banking login, enter your Access ID and Submit. If prompted, answer challenge questions. When prompted for the password, click the link “Did you forget your password” located under the Submit button. Answer a few questions to receive a temporary password and access your account within minutes. If you choose not to request a password reset, you may contact Customer Service at (800) 204-6477 to unlock the account and keep the same password.

An Express Transfer is a one-time transaction initiated by Online Banking immediately when the Submit button is clicked.

A Routine Transfer is a transaction instruction the Online Banking 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 Online Banking.

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

Nothing, the service is offered to personal banking customers at no charge.

Yes, if your personal financial software supports an included export format a file can be created and exported directly from Online Banking. Although JCBank cannot 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.

Yes. Please contact Customer Service at (800) 204-6477 or visit your local JCBank to sign up.

Mobile Banking provides quick, secure account access from your mobile phone. With this service you can see account balances, view transactions, transfer funds between accounts and find ATM and Branch locations.

To activate Mobile Banking you must be enrolled in Online Banking and have a mobile phone that can send and receive text messaging.

No. You can download the app for free or opt to have a link sent to your mobile phone in a text format.

You can access your checking, savings, certificates or loans. You select which accounts you would like to access through Mobile Banking during the enrollment process.

When you view your account balance, you see the current ledger balance. When you view transaction history, you see the most recently posted transactions.

Before you can download the Mobile Banking app, you will need to complete the online Mobile Banking enrollment. Once enrolled, you will receive a text message containing a link to download the application. The system will automatically detect the type of phone you are using and will redirect you to your mobile phone application store (for example if you are using an iPhone you will be redirected to the application in the iTunes store). Click to install.

Hundreds of models are supported, including all major brands. Download the app today or contact us to learn more.

Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T-Mobile®, U.S. Cellular® and Verizon Wireless. Mobile Banking also works on a number of the smaller service carriers, including, but not limited to, Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless and Virgin Mobile USA.

Mobile Banking employs industry best practices with regard to security. It has been assessed against industry security criteria by independent system security experts. At a high level, Mobile Banking offers the following security safeguards:

• Authentication – Mobile application solution customers are authenticated for every interaction with any Mobile Banking component. Customers are authenticated by username and password or by utilizing existing login credentials.
• Encryption – 128-bit encryption is used for all transactions within Mobile Banking and between Mobile Banking and other solutions.
• Fraud – Mobile Banking incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
• Availability/Resilience – Mobile Banking is protected against malicious attacks through software and server hardening measures.
• Audit Ability – Mobile Banking provides full audit capabilities through event logs and event-based reporting.

Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support short codes.

If your mobile phone number changes, simply update your mobile phone number in your Online Banking Options, Mobile Banking profile. Click Manage Devices to update the mobile phone number. Once the Main Menu is displayed, select the My Phones tab and locate the old phone number, select Change My Phone Number and then click Go. Once the Mobile Phone Number page is displayed, enter your updated phone number and click Next.

If your mobile phone is lost or stolen, no one can access your account without knowing your password and, in some cases, your unique username. To prevent unauthorized access to your account, you can deactivate your phone in Mobile Banking. To deactivate your mobile phone, see the question regarding “How do I stop using Mobile Banking on my phone?”

To stop using Mobile Banking on your mobile phone, simply log into Online Banking, click Options, scroll to Mobile Banking Profile, and click the Manage Devices button. Select My Phones tab, locate the appropriate phone number and select Stop Using This Phone For Mobile Banking, and then click Go.

No. Whether you type “BAL” or “bal,” a response with your account balance information is sent to your mobile phone.

Text messages are limited to 160 characters. If your account information exceeds the character limit, your account information is sent in multiple messages - no more than five at a time.

Be sure you are signed up for Online Banking. Make sure you are sending text messages to 96924. Check the keyword and any additional information required for the request, such as the financial institution's identifier, account nickname or address. Make sure the account you are requesting information on is set up under your Mobile Banking settings.

Your mobile service carrier may be blocking short codes or you may have blocked short codes on your mobile phone. Short codes must be enabled to use Mobile Banking. Short codes are abbreviated phone numbers, usually five digits, used to send Mobile Banking messages.

No, simply download the JCBank Tablet Banking app and log into using your Online Banking login credentials.

Yes, JCBank offers a Tablet Banking app. Find the FREE app in iTunes or Google Play.

If you have an overdraft, JCBank may cover your transaction but charge you a fee for this service. (See the terms and agreements of your account for details.) We need your permission to offer this service on your ATM/debit card.

If you do not give permission for JCBank's Overdraft Program to apply to ATM and everyday debit card transactions, your transaction will be declined. However, if you allow JCBank's Overdraft Program to cover ATM and everyday debit card transactions, we will at our discretion cover your account. A fee for this service will be charged only when it is used.

If you do not give your permission to allow JCBank's Overdraft Program for ATM and everyday debit card transactions and you attempt a transaction that overdraws your account your transaction will be declined.

JCBank's Overdraft Program, provided for checks and electronic payments, may be included in your account. However, it will not cover overdrafts on ATM and everyday debit card transactions unless you give us your permission.

We understand that life can sometimes throw you a curveball and while we do not encourage overdrafts on accounts, we do realize that overdrafts may occur on occasion due to an oversight or as the result of a miscalculation. That’s why we only charge a fee if you use it.

Yes, you can change your election at any time.

No, it does not apply to these transactions. An applicable fee will be charged if JCBank’s Overdraft Program is used for checks and automatic bill payments.

No, it does not apply to account types other than personal.

Visit your local JCBank or call (800) 204-6477.

There is no charge for eStatements.

JCBank eStatements are currently available for checking, savings and loan accounts.

In order to access eStatements, you must be an Online Banking user. If not an Online Banking user, Sign Up Now

New Online Banking users are prompted for enrollment with the initial login. Simply select the accounts to enroll, verify the email address for notifications and click on the Electronic Statement Disclosure link to view the disclosure. Click the Accept button to complete enrollment.

Existing Online Banking users who did not enroll at the initial login may enroll by logging into Online Banking on your PC, clicking the Options tab, and scrolling to the eStatement Enrollment section. Click Edit, select the accounts to enroll, verify the e-mail address for notifications, and click on the Electronic Statement Disclosure link to view the disclosure. Click the Accept button to complete enrollment.

JCBank eStatements are available on the normal statement cycle date. For example, if your statement is normally dated the 10th of the month it will continue to post on that cycle.

JCBank eStatements are typically available within one business day of the cycle date. You will receive an e-mail (to the e-mail address you provide when you enroll) notifying you when your eStatement becomes available each month.

Contact Customer Service at 800-204-6477 or visit a JCBank location to inquire.

Each eStatement will be retained online for 18 months. You may also print the statements or download to your own system as needed.

Your eStatements will be delivered as an Adobe Portable Document Format (PDF) file. To access and retain a PDF file, you need the free Adobe Reader (version 6.0 or higher).

Yes, your eStatement even contains your check images.

Choose the Options tab in Online Banking to change your e-mail address.

An e-mail reminder will be sent (to the e-mail address you provided) notifying you when your eStatement is available to view. E-mail notification is automatically enabled when you enroll for eStatements.

Not at this time.

An incorrect e-mail address or e-mail filter could be the issue. To confirm we have the correct e-mail address, log into Online Banking and chose the Options tab to view or change the e-mail address.

You may also need to review your e-mail filter or junk mail settings to allow e-mails coming from JCBank.com. This will allow you to receive JCBank notifications.

You will only receive an e-mail notification if you are the primary account holder.

You may change your statement options by contacting Customer Service at 800-204-6477 or visiting a JCBank location.

You can request a copy of your statement by contacting Customer Service at 800-204-6477 or visiting a JCBank location.

No, you must add this account to eStatements. To do so, log into Online Banking on your PC, click on the Options tab and scroll to the eStatement Enrollment section. Click Edit, select the accounts to enroll, verify the e-mail address for notifications and click on the Electronic Statement Disclosure link to view the disclosure. Click the Accept button to complete your enrollment.

No, eStatements can only be viewed from a PC.