ACCESS Banking
Manage money and build credit with confidence.
JCSB makes it easy to pay bills, save, and build credit to reach your goals.
ACCESS the tools you need to manage money and reach your goals.
Checking with
no fees or strings
Savings with competitive rates
Secured loan to build credit
Easy-to-use account management tools
Personal service
from neighbors
ACCESS Account
A no-cost way to manage your money and pay bills
A free checking account with no monthly fees, no transaction limits, no minimum balance requirements, and no overdraft charges, plus all the tools you need:
- Online Banking with Bill Payment
- Mobile Banking with Check Deposit
- Debit Card with Mobile Wallet
- and more
Under 30 Savings
Build a safety net for emergency expenses or save for a goal
Our Under 30 Savings account is designed to help young adults* start saving with a competitive interest rate, no monthly fee, and no transaction fees.
Connect it with your ACCESS Account to move money easily between accounts with Online and Mobile Banking.
*Primary account holder must be between the ages of 18 to 30 to open and maintain the account. Limit one account per primary account holder Social Security number.
ACCESS Credit
An easy way to build or repair credit
Credit is essential to helping you reach your goals, but if you don’t have a credit history or need to repair your credit, it can be difficult to get a loan.
With ACCESS Credit, you can apply for a loan from $500 – $5,000 (with no credit report check required), helping you build your credit and savings.
Here’s how it works:
When you get approved for ACCESS Credit, we’ll put the amount you borrow in a dedicated, locked account held by the Bank.
You make monthly on-time payments of principal and interest to us for the term of the loan.
We’ll report the payments you make to a credit bureau to help you build a positive credit history.
After you complete your payments, the money in the dedicated account will be transferred to your Jewett City Savings Bank checking or savings account.
