Personal

Open an account online

At JSB, we want to make the account opening process as simple as possible. This online application is meant to expedite the process. Upon completion, a JSB representative will contact you.

Open Account

Checking & Savings

Janesville State Bank offers a variety of FDIC insured checking and savings accounts to match your financial needs.

Included with every account:


Mobile Banking and Deposit


Online Banking and Bill Pay


Online Statements



Checking Account Options


On-the-Go:

  • No minimum balance
  • No monthly fees
  • Only $50 deposit to open
  • Debit Card, no annual fee
  • Unlimited check writing
  • 6 Bill Pays included at no cost with e-statements

NOW checking:

  • $900 minimum balance
  • Variable interest rate
  • $900 minimum to open
  • Monthly fee if balance falls below minimum
  • Debit Card, no annual fee
  • Unlimited check writing
  • 6 Bill Pays included at no cost with e-statements

Money Market Interest Checking:

  • $2,000 minimum balance
  • Variable interest rate
  • $2,000 minimum to open
  • Monthly fee if balance falls below minimum
  • Debit Card, no annual fee
  • Unlimited check writing
  • 6 Bill Pays included at no cost with e-statements

Savings Account Options


Passbook Savings:

  • $50 minimum balance
  • Interest paid quarterly
  • Only $50 deposit to open

Money Market Savings:

  • $2,000 minimum balance
  • Interest paid monthly
  • Enjoy automatic interest rate bumps as your savings grow
  • $2,000 Minimum to open

Certificates of Deposit

Certificates of Deposit (CD) provide you with the safety and security you need when investing for the future. Janesville State Bank offers a variety of CDs with varying maturities and minimum balances. Let us help you manage your money!

Individual Retirement Accounts

Start saving for retirement with an Individual Retirement Account.

Individual Retirement Accounts (IRA) are a great way to save towards your retirement. IRA funds offer significant tax advantages and can be used to supplement other retirement savings. You can transfer funds from a 401k or pension to an IRA or make annual contributions. Janesville State Bank offers both Traditional and Roth IRAs. Start saving for the future today!

Health Savings Account

Gain more control over your financial health with a Health Savings Account.

Health Savings Accounts (HSA) are designed for individuals or families enrolled in High Deductible Health Insurance Plans.

  • Features tax-deductible contributions
  • Offers tax-free withdrawals for qualified medical expenses
  • Earns interest
  • Balances carry over year to year without “use it or lose it” restrictions

Consumer Loans

A new boat or vehicle purchase does not need to complicate your budget. Janesville State Bank offers secured loans with flexible repayment options.

  • Competitive Rates
  • Installment or single payment loans available
  • Automatic Payment Options available
  • Quick, local decision-making process