Preferred Interest Checking Account

Preferred Interest Checking from Jefferson Bank is the account for those who like to keep a larger balance in their account and earn interest on that amount. It’s the perfect solution for the savers and doers out there who want an account that makes life easier.

Open Your Account

With free access to Online Banking and the convenience of the Jefferson Bank Mobile Appdisclosure 1 you can manage your money however you like – no matter where life takes you.
  • Use your free Debit Mastercard® with free transactions at any Jefferson Bank ATM
  • View your statements and tax documents online, 24/7, for up to seven years
  • Manage your accounts in Online Banking and with the free Jefferson Bank Appdisclosure 1
  • Pay your bills electronically with Online or Mobile Bill Pay
  • Deposit checks with Mobile Check Deposit via the Jefferson Bank Appdisclosure 1
  • Track your spending, set budgets, create goals, and more with Money Manager, our online budgeting and saving tool
  • Integrate your accounts to Quicken® and simplify tax preparation with Direct Connect
  • Early Direct Deposit - Get paid up to two days earlierdisclosure 2 with Early Direct Deposit.

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. Early Direct Deposit applies to eligible personal checking accounts.  Eligible personal checking accounts include: MaxMoney, MyChoice, World, World Elite, and Preferred Interest. If your account changes to a non-eligible account, you may lose access to the Early Direct Deposit Service.   

    You can typically expect to receive qualifying Direct Deposits that come through ACH (Automated Clearing House) up to 2 days earlier than their scheduled payment date.  Examples of Direct Deposits that may qualify include payroll, pension, and government benefits.  Other deposits or credits to your account, such as person-to-person payments, checks or mobile deposits, and other electronic credits are not eligible for Early Direct Deposit.   

    Enrollment may be done by any account owner, and Early Direct Deposit Services may apply to all qualifying deposits made into the account.

    Early Deposit availability may vary by deposit. Receiving your deposit early one time does not guarantee you will receive it early again. Early deposit can depend on; 
    When we receive payment instructions from the payor,
    Any limitations that we place on early availability (such as the amount, payer, etc.) which we may change at any time without notice,
    Any standard fraud prevention screening, and
    Any other unforeseen circumstances the Bank may encounter.

    Any credit issued to you by the bank as a result of an ACH credit entry is provisional and subject to final payment instructions from the employer. Likewise, any ACH credit entry we provide to you remains provisional until we receive final payment. If we determine, based on satisfactory documentation, that a credit entry was made in error or for an incorrect amount, we reserve the right to debit your account for the improperly credited amount. In the event of insufficient funds, you agree to reimburse us accordingly.

    Jefferson Bank may unenroll you without notice or reason at any time at our discretion.

    You may change your enrollment status at any time. Back to content

This card is issued by The Central Trust Bank pursuant to a license by Mastercard® International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Subject to credit approval.

Understanding Your Deposit Account