MyChoice Checking

MyChoice Checking is perfect for movers and shakers who strive to get the most out of life.

If you use your debit card frequently and would prefer to access and manage your finances online, this checking account is ideal. You can log in from virtually anywhere and have up to the minute information on your activity, helping you to make more out of every day.

Open Your Account

With free access to Online Banking and the convenience of the Jefferson Bank Mobile Appdisclosure 1, you can manage your money how you want to – wherever you are in your financial journey.

  • Use your free Debit Mastercard® with complimentary transactions at any Jefferson Bank ATM and fees refunded outside of the Jefferson Bank networkdisclosure 2
  • View your statements and tax documents online, whenever you want, for up to seven years
  • Manage your accounts in Online Banking and with the free Jefferson Bank App
  • Pay your bills electronically via Online Banking or Mobile Bill Pay
  • Deposit checks with Mobile Check Deposit via the Jefferson Bank App
  • Track your spending, set budgets, create goals, and more with Money Manager, our online budgeting and saving tool to help you keep track of it all

Home Team Upgrade

image of Mizzou Tiger Checking Debit Card

If you’re a Mizzou Tigers fan, show your true colors by adding a team-affiliated Debit Mastercard today!

  1. Mobile carrier data and text rates may apply. Back to content
  2. Must submit the other bank’s ATM receipts to any teller or customer service representative within 60 days of a transaction. ATM refund will be limited to $10 per receipt with a maximum of $25 per statement cycle. Back to content

MyChoice Checking: To avoid the monthly fee - you must receive electronic statements and one of the following:

  • Maintain a minimum daily balance of $2500.00 per statement cycle; or
  • Maintain a recurring cumulative direct deposit of $500.00 per statement cycle; or
  • Use your debit card at least 20 times for a point of sale (POS) transaction (transaction only counts if it has posted to the account during the monthly cycle; or
  • The primary account holder is under the age of 25.
    • Requirements to avoid the monthly maintenance fee will be effective the statement cycle following the primary account holder’s 25th birthday.

You can also waive your monthly maintenance fee by maintaining $25,000.00 average daily balance in all deposit accounts with the same primary account holder (Checking, Savings, Money Market, or Certificate of Deposit) for the statement cycle.

The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

This card is issued by The Central Trust Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. Subject to credit approval.