309-584-4146 | customerservice@joystatebank.com

Online Banking

An Oak Tree In A Beautiful Rolling Landscape

Business Deposits

Regular Checking

  • Minimum balance to open – $100
  • Mastercard® debit cards are with approved application
  • Unlimited check writing
  • Free online banking and e-statements
  • Free Mobile Banking
  • Combined monthly statement
  • No minimum balance requirement for Joy State Bank mortgage loan customers, non-profit organizations, and for accounts receiving e-statements.
  • No monthly service charge unless the average daily balance for a statement cycle falls below $500. The fee increment is as follows:
Avg. Daily BalanceMonthly Charge

Avg. Daily Balance


$0 - $199.99

Monthly Charge


$8.00

Avg. Daily Balance


$200.00 - $299.99

Monthly Charge


$6.00

Avg. Daily Balance


$300.00 - $399.99

Monthly Charge


$4.00

Avg. Daily Balance


$400.00 - $499.99

Monthly Charge


$2.00

Interest Checking

  • Minimum balance to open – $1,000
  • Earn interest
  • Mastercard® debit cards are with approved application
  • Unlimited check writing
  • Free online banking and e-statements
  • Free Mobile Banking
  • Combined monthly statement
  • No monthly service charge unless the average daily balance for the statement cycle falls below $1,000. If the average daily balance for a statement cycle falls below $1,000 then a $10 service fee will be assessed.
  • If the average daily balance for a statement cycle falls below $1,000 then interest is not earned.

Money Market Plus

  • Minimum balance to open – $1,000
  • Earn interest
  • Free online banking and e-statements
  • Free Mobile Banking
  • Combined monthly statement
  • Allows six withdrawals per monthly statement cycle
  • An excess check charge fee of $5 will be charged for each debit transaction in excess of three during a statement cycle
  • If the average daily balance for a statement cycle falls below $1,000 then interest is not earned.

Statement Savings

  • Minimum balance to open – $100
  • Earn interest
  • Free online banking and e-statements
  • Free Mobile Banking
  • Combined monthly statement
  • Allows six withdrawals per calendar month
  • An excess withdrawal fee of $1 will be charged for each debit transaction in excess of three per month
  • There is a $3 fee for accounts where the average daily balance falls below $100.

Certificates of Deposit

  • Minimum balance to open depends on term
  • Terms range from 91 days to 60 months.
  • Interest compounds semi-annually on certificates for terms 12 months through 60 months. Interest is compounded at maturity for certificates of 91 days and 182 days.
  • You may choose to withdraw interest monthly, quarterly, or semi-annually by either check or direct deposit to a Joy State Bank account.
  • A penalty may be imposed for early withdrawals.