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Online Banking Can Help Make Your Schedule a Little Less Demanding

Get the most out of your banking time by signing up for online banking.

Online banking is a powerful tool for managing your money. Enjoy the following benefits as well as all our mobile tools.

  • View transaction activity
  • View check images
  • Check account balances
  • Transfer funds between JCB accounts
  • Make JCB loan payments
  • Create spending reports
  • Export information into your personal financial software
  • Nickname accounts
  • View statements electronically
 Ready to Get Started?
SIGN UP FOR ONLINE BANKING AND REVIEW THE TERMS AND CONDITIONS

Online Banking FAQs

Click on the links below for answers to frequently asked questions.

How do I sign up for Online Banking?

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 JCB Banking Center to inquire.

How do I log in to Online Banking?

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

How do I contact JCB if I have a question?

Contact Customer Service at 800-204-6477 or visit your local JCB Banking Center.

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

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 JCB Banking Center to inquire.

When I sign up for Online Banking, 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 Online Banking cut off time is 6 pm Eastern Standard Time.

Can I pay off a loan via Online Banking?

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 JCB directly to pay off a loan.

How much transaction history can I access via Online Banking?

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 Online Banking?

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 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 Online Banking?

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

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

JCB 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".

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

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.

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

  • 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.

Is there a fee for Online Banking?

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

What happens if I enroll in Online Banking and do not use it?

If Online Banking is not accessed for a period of 6 months, the online account is closed due to inactivity.

Can activity be exported from the Online Banking System?

Yes, if your personal financial software supports an included export format a file can be created and exported directly from Online Banking. Although JCB 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.

Can a Free To Be Me customer sign up for Online Banking?

Yes. Please contact Customer Service at 800-204-6477 or visit your local JCB Banking Center to sign up.

Has Your Online Security Been Compromised?

In the event that you find malware (malicious software, e.g. Virus, Worm, Trojan) on your computer, consider the following:

Have you shopped online via the affected computer?

If your checking account, debit card or credit card account information was used to shop online, it would be best practice to close the account and open a new one.

Have you banked online via the affected computer?

If yes, it would be best practice to go to a "clean" computer and change the password. Alternatively, to protect the account, go to the login page of each banking site and enter an incorrect password until the account is locked. This will ensure that no unauthorized access is gained to the account until you can make contact with the appropriate support personnel.

How do you connect to the Internet?

If the Internet connection is constant, it can be disconnected from the computer to ensure no communication happens between the malware and the source.

What is Multifactor Authentication (MFA)?

MFA adds a layer of protection to your online account by letting you know it's really us and letting us know it's really you.

Letting us know it's really you – Security Questions and Answers


  1. You choose several security questions from a list and assign answers that only you know.
  2. The system will learn the characteristics of the computer, Internet Service Provider (ISP) and programs typically used to log in to your online account. When the typical characteristics are displayed, your MFA image and image name will appear on the password screen.
  3. When you attempt access from a different computer or browser, or should someone else attempt access to your account, the system will ask security questions in an attempt to verify visitor identity.

Multifactor FAQs

Click on the links below for answers to frequently asked questions.

How should I choose my MFA questions and answers?

Your answers should be easily remembered, yet not readily known by others. Try to avoid using answers that could change over time. Type your answers carefully as you will need to supply exactly the same answer if you are ever prompted with one of your security questions.

When will I be asked to answer my security questions?

You will only be prompted to answer some of your MFA questions when a particular access characteristic appears to be unusual or not what the system considers typical behavior.

How is the system able to detect uncharacteristic behavior?

The security system takes into account factors such as the computer you typically use to access your online account, the computer security settings, and the browser typically used. Hundreds of factors such as these are used to create an account profile that is unique to you and allows the system to make decisions about whether the visitor attempting to access your account is likely to be you.

How will MFA help prevent online fraud?

In addition to your online account log in credentials, a fraudster would have to have the answers to all your security questions in order to gain access to your online account. If a fraudster were to try and guess at the answers to your security questions, the system will lock the account for your protection.

I check my account often. Wouldn’t I know if something unusual showed up on my account?

Security experts recommend monitoring account activity regularly, so you are right on track. The added layer of MFA security is another safeguard which is applied to your online account.

I share my computer with someone who has a different account. Can we both log in from this computer?

Yes, you can both use the same computer to log in to your individual accounts. There is no limit to the number of people who may access their online accounts from the same computer. The system will maintain separate account profiles for each online account; the profiles may simply have some characteristics in common.

I already have anti-virus, anti-spyware and a personal firewall. Why do I need this?

Anti-virus, anti-spyware and firewall software are crucial to safeguarding any information stored on your computer. Be sure to keep all versions and data definitions up to date for effective protection. The MFA security system compliments these protections. Having these security layers in place helps increase protection from individuals seeking to commit fraud.