309-584-4146 | customerservice@joystatebank.com

Online Banking

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Services

Online Banking

Internet Banking

You can pay bills and track expenses 24/7, whether you’re at home or on the road. If you have access to the Internet, you have access to your account. You’ll find online banking is a breeze to use, great for budgeting and tracking expenses, and guaranteed safe and secure.

  • Snapshot – Provides an overview of your online banking accounts in a compact, simplified format. The Snapshot tab presents account information and functions all on one convenient screen.
  • Account Alerts – Receive an email whenever an item has been presented for payment, when your balance has reached certain threshold or when a deposit has been made to your account.
  • Statements – Check images and statements are also available and can be saved to your computer. Remember to be safe online and never email your account information, including check images.
Online Bill Pay

Online Bill Pay is the fastest and easiest way to pay bills. Joy State Bank’s online bill payment service is the convenient, secure way to manage all your bills. Online Bill Pay saves you money on postage, and the time it takes to write checks.

  • Pay almost any bill online: utility payments, credit cards, loans and more
  • Receive e-bills instead of paper bills
  • Schedule automatic payments of mortgages and other recurring bills
  • Make one-time online payments for special purchases
  • See your bill history and all pending electronic bill payments at a glance
  • Online bill payment reminders help you pay on time, every time
Money Manager

Have accounts at other financial intuitions? Credit cards? Investments or loans? Money Manager allows you to view all of your account balances in one place and has robust budgeting tools to help you track income, expenses and net worth.


Mobile Banking

Mobile Browser

From any mobile device’s internet browser you have easy access to your bank account information. Simply go to the bank’s website and you will automatically be directed to the mobile banking site.  Use your existing online banking user id and password to log in.   Features within the mobile browser include:

  • Account balances and transaction activity
  • Transfers between Merchants Bank of Indiana accounts
  • Initiate bill payments (adding, changing or deleting bill payment payees must be done through online banking)
  • Find the nearest branch location
Mobile App with Remote Deposit

A mobile app gives you the most mobile banking features.  Apps are available for iPhone, iPad, Android phone and Android tablets.  Search the app store for Joy State Bank, download the app and use your online banking user id and password to log in.  All of the features of the mobile browser are available in the mobile app.  Plus, within the mobile app you can also make deposits with your mobile device.

Mobile check deposit is available to individuals and sole proprietors; some restrictions apply.  See the mobile banking terms and conditions.


Other Services

Mastercard® Debit Cards

Joy State Bank debit cards now come with EMV™ chip technology.  Your new card now features greater fraud protection, built right into the card.  Whenever the chip card is used with a chip-enabled terminal, a unique one-time code is created for the purchase to be approved.  This is nearly impossible for counterfeit cards to duplicate, so you can shop with confidence.  Plus, with more merchants around the world installing chip-enabled terminals, you have a more secure way to pay wherever you go.

Gift Cards

Joy State Bank gift cards are for everyone on every occasion. Choose a card design and load from $10 to $1,000. Gift cards can be used domestically wherever debit cards are accepted. Gift cards are issued by Metabank®, Member FDIC.

Safe Deposit Boxes

Safe deposit boxes are available at the Joy location. Available sizes are 3X5, 3X10, & 5X10. * Safe Deposit Boxes contents are not covered by FDIC.

Cashier’s Checks

Joy State Bank offers cashier’s checks to meet customer needs.

Night Deposit

Night Deposits are available at our Joy and New Boston locations.

License Plate Renewal Stickers

Renew your State of Illinois license plate sticker at the Joy location.

Wire Transfers

Wire transfers are available to Joy State Bank customers. Please contact the Bank at (309) 584-4146 to arrange for an incoming or outgoing wire transfer.

Savings Bonds

Joy State Bank offers the redemption service for U.S. Savings bonds.