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Personal Solutions

Personal Banking Solutions

Checking Accounts

Janesville State Bank offers a variety of checking accounts for you to choose from. All of our checking accounts offer free online banking, debit card, and e-statements.

On-the-Go Checking NOW Checking Money Market Interest Checking
Minimum balance to open $50.00 $900.00 $2,000.00
Minimum balance required No minimum balance required. $900.00 to avoid minimum balance charges $2,000.00 to avoid minimum balance charges
Interest available No Yes, variable Yes, variable
Monthly fees $0.00 Yes, if daily balance falls below $900.00 Yes, if daily balance falls below $2,000.00

Savings Accounts

A regular savings plan is the best way to achieve financial stability. Add to your savings account on a regular basis by setting up an automatic funds transfer.

Passbook Savings

  • $50.00 to open
  • $50.00 minimum balance required to avoid minimum balance charges
  • Interest paid quarterly

Money Market Savings

  • $2,000.00 to open
  • $2,000.00 minimum balance required to avoid minimum balance charges
  • Interest paid monthly

Health Savings Accounts

Janesville State Bank also offers Health Savings Accounts or HSAs. These savings accounts can be used by individuals or families that are covered by a High Deductible Health Plan. Unlike a flexible spending account the balance in your HSA can be carried from year to year so that you can save for future expenses. Contributions are limited by IRS Health Savings Account regulations.

Certificates of Deposit

Janesville State Bank offers Certificates of Deposit (CDs) with varying maturities and minimum balances to help you manage your money. CDs provided the safety and security you need when investing for the future. If you are discouraged by current rates you may want to consider our variable rate and Excel-A-Rate CD options.

Contact us at 507.234.5108 to inquire about our current rates.

Individual Retirement Accounts

An Individual Retirement Account (IRA) is a great way for an individual to save for retirement. Funds from an IRA can be used to supplement Social Security Income or income from a pension or 401k. Janesville State Bank offers both Traditional and Roth IRAs. Open an IRA today with as little as $100 and start saving for the future.

Consumer Loans

From time to time your personal banking needs may include a consumer loan. Let Janesville State Bank help you finance the purchase of your next car, truck, boat, motorcycle or RV. We offer flexible terms and competitive pricing options.

Janesville State Bank also offers Home Equity Lines of Credit to help you use the equity in your home for a flexible line of credit to finance a vehicle purchase, home improvements, vacation, business investment or anything else you would like to use it for.

Member FDIC Equal Housing Lender

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Phone Number507-234-5108
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