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125 South Chestnut Street Seymour, IN 47274 (812) 522-3607 Read More
2635 16th Street Bedford, IN 47421 (812) 275-1120 Read More
1280 North College Avenue, Suite 4 Bloomington, IN 47404 (812) 339-2282 Read More
2421 South Walnut Street Bloomington, IN 47401 (812) 339-2282 Read More
108 West Commerce Street Brownstown, IN 47220 (812) 358-2520 Read More
2761 Central Avenue Columbus, IN 47201 (812) 378-0850 Read More
3880 West Jonathan Moore Pike Columbus, IN 47201 (812) 342-3633 Read More
400 Washington Street Columbus, IN 47201 (812) 379-1991 Read More
1035 North Lincoln Street Greensburg, IN 47240 (812) 663-3836 Read More
2871 South State Road 135 Greenwood, IN 46143 (317) 884-8817 Read More
611-A North State Street North Vernon, IN 47265 (812) 346-8014 Read More
1181 West Tipton Street Seymour, IN 47274 (812) 522-3607 Read More
1200 East Tipton Street Seymour, IN 47274 (812) 522-3607 Read More
JCB Investment Services 311 North Ewing Street Seymour, IN 47274 (812) 519-1500 Read More
JCB Investment Services 1010 West 2nd Street Seymour, IN 47274 (812) 523-2323 Read More
JCB Investment Services 125 South Chestnut Street Seymour, IN 47274 (812) 524-7965 Read More
JCB Investment Services 2761 Central Avenue Columbus, IN 47201 (812) 378-0850 Read More
JCB Investment Services 1035 North Lincoln Street Greensburg, IN 47240 (812) 663-3836 Read More
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(812) 522-3607 (REGULAR BUSINESS HOURS)
(855) 908-4487 (AFTER HOURS & HOLIDAYS)
Assisting our customers in protecting their hard-earned money is always top of mind. We provide fraud detection service that will monitor your ATM and debit card transactions for potential fraudulent activity.
If fraudulent card use is suspected, we will call to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card. It will also reduce the chance of you being inconvenienced by such restrictions in the event the transactions are indeed legitimate. As a reminder, we will never ask for your PIN or account number.
If you make an ATM or everyday debit card transaction that overdraws your account, JCBank's Overdraft Program may enable us to honor your purchase and charge you a fee, while sparing you the inconvenience of having the transaction denied.
To receive protection against debit card and ATM overdrafts, you must tell JCBank you wish to receive this coverage.
No one plans to overdraw an account, but it’s good to have options. You are only charged a fee for this valued service if you use it and you can opt out at any time. Contact us by mail, in person or phone at (800) 204-6477 to make your choice.
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JCBank’s Overdraft Program may apply to checks and ACH transactions. If elected, and affirmatively agreed upon, the service may also apply to ATM and Debit Card transactions. Overdrafts are paid at the discretion of JCBank as long as your account remains in good standing. Not all transactions will be authorized or guaranteed. A $35 fee is assessed for each overdraft. Overdrawn accounts must be returned to a positive balance within 30 days.
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If you have an overdraft, JCBank may cover your transaction but charge you a fee for this service. (See the terms and agreements of your account for details.) We need your permission to offer this service on your ATM/debit card.
If you do not give permission for JCBank's Overdraft Program to apply to ATM and everyday debit card transactions, your transaction will be declined. However, if you allow JCBank's Overdraft Program to cover ATM and everyday debit card transactions, we will at our discretion cover your account. A fee for this service will be charged only when it is used.
If you do not give your permission to allow JCBank's Overdraft Program for ATM and everyday debit card transactions and you attempt a transaction that overdraws your account your transaction will be declined.
JCBank's Overdraft Program, provided for checks and electronic payments, may be included in your account. However, it will not cover overdrafts on ATM and everyday debit card transactions unless you give us your permission.
We understand that life can sometimes throw you a curveball and while we do not encourage overdrafts on accounts, we do realize that overdrafts may occur on occasion due to an oversight or as the result of a miscalculation. That’s why we only charge a fee if you use it.
Yes, you can change your election at any time.
No, it does not apply to these transactions. An applicable fee will be charged if JCBank’s Overdraft Program is used for checks and automatic bill payments.
No, it does not apply to account types other than personal.
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