- Routing Number: 065204579
Routing # 065204579
Compare AccountsChecking Accounts
Enjoy the freedom and flexibility to control your finances, your fees, and your interest rates.
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- Monthly Fee
- Earns Interest (Qualifications Met)
- Earns Interest (Qualifications Not Met)
- Account Qualifiers
- Debit Card
- Online Banking
- Mobile Banking4
- Bill Pay
- ATM Charges
- Overdraft5
- Monthly Statement
- Custom Features
- Opening Deposit
- Companion Savings Account
ZydeCash Checking
Squeeze more green into your daily balance.
Earn tiered interest up to 2.50% annual percentage yield1 (APY) every monthly qualification cycle. Paired with ZydeCash Savings, the interest really adds up.
- $25 Minimum Opening Deposit1
- Free Debit Card & Bill Pay
- Free Online & Mobile Banking2
- Up to $25 in ATM Fee Refunds3
- $200 Overdraft Privilege4
- .25% Discount on New Loans with Auto Debit
1Minimum to open account is $25 for ZydeCash Checking and $25 for ZydeCash Savings. Annual Percentage Yield (APY) accurate as of 7/7/2026. ZydeCash Checking rate tiers are as follows: 2.50% APY applies to balances of $0.01-$10,000 and 0.15% APY to balances over $10,000 if qualifications are met during monthly qualification cycle. (0.05% APY applies to all balances if qualifications are not met.) Average Daily Balance used to calculate interest on account. The advertised ZydeCash Checking APY is based on compounding interest. The interest earned in ZydeCash Checking is credited to the account each statement cycle. The actual interest paid may be less than the advertised APY. ZydeCash Savings APYs may be less than ZydeCash Checking APYs. ZydeCash Savings rate tiers are as follows: 0.50% APY applies to balances of $0.01-$30,000 and 0.15% APY to balances over $30,000 if qualifications are met during monthly qualification cycle on ZydeCash Checking. (0.05% APY applies to all balances if qualifications are not met on ZydeCash Checking.) Qualifying purchases must post and settle in ZydeCash Checking during monthly qualification cycle. Purchases may take one or more banking days from transaction date to post to an account. Intra-bank transfers do not count as qualifying transactions. ATM-processed transactions do not count as debit card purchase transactions. Rates are subject to change without notice after account is opened. Fees may reduce earnings. ATM fees for ZydeCash Checking will be refunded up to $25 per qualification cycle provided all qualifications are met within the monthly qualification cycle. Limited to one account per social security number. ZydeCashSM is a service mark of JD Bancshares. Member FDIC.
To earn the high interest rate, you must meet the following monthly transaction targets: 10 monthly debit card purchases withdrawn from ZydeCash Checking account; at least one direct deposit or automatic payment; E-statements online; personal online banking or mobile banking access.
2Carrier charges may apply.
3Refunds on ATM fees charged by banks nationwide per qualification cycle provided ALL qualifications are met within the monthly qualification cycle.
4Savings Overdraft Privilege available. Line of Credit available with credit approval. Overdraft and returned item fees may apply.
Auto Debit Discount is not available for cash secured loans and interim construction loans.
1Minimum to open account is $25 for ZydeCash Checking and $25 for ZydeCash Savings. Annual Percentage Yield (APY) accurate as of 7/7/2026. ZydeCash Checking rate tiers are as follows: 2.50% APY applies to balances of $0.01-$10,000 and 0.15% APY to balances over $10,000 if qualifications are met during monthly qualification cycle. (0.05% APY applies to all balances if qualifications are not met.) Average Daily Balance used to calculate interest on account. The advertised ZydeCash Checking APY is based on compounding interest. The interest earned in ZydeCash Checking is credited to the account each statement cycle. The actual interest paid may be less than the advertised APY. ZydeCash Savings APYs may be less than ZydeCash Checking APYs. ZydeCash Savings rate tiers are as follows: 0.50% APY applies to balances of $0.01-$30,000 and 0.15% APY to balances over $30,000 if qualifications are met during monthly qualification cycle on ZydeCash Checking. (0.05% APY applies to all balances if qualifications are not met on ZydeCash Checking.) Qualifying purchases must post and settle in ZydeCash Checking during monthly qualification cycle. Purchases may take one or more banking days from transaction date to post to an account. Intra-bank transfers do not count as qualifying transactions. ATM-processed transactions do not count as debit card purchase transactions. Rates are subject to change without notice after account is opened. Fees may reduce earnings. ATM fees for ZydeCash Checking will be refunded up to $25 per qualification cycle provided all qualifications are met within the monthly qualification cycle. Limited to one account per social security number. ZydeCashSM is a service mark of JD Bancshares. Member FDIC.
To earn the high interest rate, you must meet the following monthly transaction targets: 10 monthly debit card purchases withdrawn from ZydeCash Checking account; at least one direct deposit or automatic payment; E-statements online; personal online banking or mobile banking access.
2Carrier charges may apply.
3Refunds on ATM fees charged by banks nationwide per qualification cycle provided ALL qualifications are met within the monthly qualification cycle.
4Savings Overdraft Privilege available. Line of Credit available with credit approval. Overdraft and returned item fees may apply.
Auto Debit Discount is not available for cash secured loans and interim construction loans.
JD Signature Checking
Boost your interest when paired with Signature Savings.
Watch your money grow faster with this interest-bearing checking account and its Signature Savings counterpart. Enjoy a full range of standard and custom features.
- $25 Minimum Opening Deposit1
- Free Debit Card & Bill Pay
- Free Online & Mobile Banking2
- 0.75% APY on average checking balances3
- $500 Overdraft Privilege4
- .25% Discount on New Loans with Auto Debit
1Minimum to open account is $25 for Signature Checking and $25 for Signature Savings. Annual Percentage Yield (APY) accurate as of 7/7/2026.
2Carrier charges may apply.
3When balance requirements are met: $40,000 in combined JD Signature Checking, JD Signature Savings, and Certificate of Deposit balances. Interest is credited to JD Signature Checking account.
4Savings Overdraft Privilege available. Line of Credit available with credit approval. Overdraft and returned item fees may apply.
Auto Debit Discount is not available for cash secured loans and interim construction loans.
1Minimum to open account is $25 for Signature Checking and $25 for Signature Savings. Annual Percentage Yield (APY) accurate as of 7/7/2026.
2Carrier charges may apply.
3When balance requirements are met: $40,000 in combined JD Signature Checking, JD Signature Savings, and Certificate of Deposit balances. Interest is credited to JD Signature Checking account.
4Savings Overdraft Privilege available. Line of Credit available with credit approval. Overdraft and returned item fees may apply.
Auto Debit Discount is not available for cash secured loans and interim construction loans.
JD Classic Checking
Want basic everyday checking? Go with the classic.
Low (or no) fees. Free debit card. Free digital banking. JD Classic Checking is everything you need for everyday banking and more. Pair it with JD Classic Savings for added interest.
- $25 Minimum Opening Deposit1
- $3 Monthly Fee Waived with E-statements
- Free Debit Card & Bill Pay
- Free Online & Mobile Banking2
- $200 Overdraft Privilege3
- .25% Discount on New Loans with Auto Debit
1Minimum to open account is $25 for Classic Checking and $25 for Classic Savings.
2Carrier charges may apply.
3Savings Overdraft Privilege available. Line of Credit available with credit approval. Overdraft and returned item fees may apply.
Auto Debit Discount is not available for cash secured loans and interim construction loans.
Disclosure effect as of 7/7/2026
1Minimum to open account is $25 for Classic Checking and $25 for Classic Savings.
2Carrier charges may apply.
3Savings Overdraft Privilege available. Line of Credit available with credit approval. Overdraft and returned item fees may apply.
Auto Debit Discount is not available for cash secured loans and interim construction loans.
Disclosure effect as of 7/7/2026
Overdraft Protection
Overdrafts happen. Your check goes through before your deposit. Or you miss a debit in your account. Don't stress it. We've got you covered with Overdraft Protection™ from JD Bank.
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