The Money Matters Hotline is a service that AJNB is proud to offer to our customers. By calling the hotline at (618) 833-7082, customers can access their account information, check account balances, and even transfer funds between accounts. Along with our online-banking feature, the Money Matters Hotline provides an easy way to monitor your accounts, without having to drive to the bank. To set up your Money Matters password, contact one of our New Accounts Representatives, and enjoy the convenience of telebanking today.
Safe Deposit Boxes
Safety Deposit Box Options
3 x 5 | ————— | $25.00 |
5 x 5 | ————— | $35.00 |
3 x 10 | ————— | $50.00 |
4 x 10 | ————— | $50.00 |
5 x 10 | ————— | $60.00 |
7 x 10 | ————— | $65.00 |
10 x 10 | ————— | $80.00 |
12 x 10 | ————— | $95.00 |
Debit Cards
Convenience
- Use money from your checking account without writing a check
- Welcome at places that won’t accept checks
- Faster and easier than writing checks
- Access to cash throughout the US and around the world
- Make withdrawals, transfers, and inquiries at ATM terminals
- Compatible with Digital Wallet
Easy Record Keeping
- Receive receipts for every transaction
- Each transaction appears on your monthly statement
Affordability
- Save on the cost of ordering checks
Safety
- Avoid carrying large amounts of cash
- Authorization process limits your risk for lost or stolen checks
For security purposes, international transactions are blocked. If you are traveling outside of the country and plan to use your debit card, please notify the bank so the block can be temporarily suspended.
Retirement
IRA’s Offered by AJNB
Traditional IRA
- Contributions can be made up to $5,000 per year
- Deductible amount depends on your Adjusted Gross Income (AGI)
Roth IRA
- Earnings accumulate tax-free and remain tax-free upon distribution
- To be eligible, your AGI must be under $95,000 for singles and $150,000 for married couples as of December 2000
- Funds may not be withdrawn within the first 5 years after setting up the IRA, without a penalty
Education IRA
- Up to $2000 per year can be put away
- Money will be tax-free, with preferred tax treatment to whom the account goes to, if used for authorized education purposes
Health Savings Account
- Similar to an IRA, but funds are to be set aside solely for the use of future medical expenses
To find out more about the types of IRA’s that we offer, or to get answers to your IRA questions, contact Martha at (618) 833-4546. You can also find helpful information on IRA’s through the IRS website by clicking here.
Personal Checking
Non-Interest Bearing Accounts
Free Personalized Checking
- $25.00 minimum opening balance required
- No monthly service charge
- Debit card or ATM card available upon approval
Regular Checking Account
- $25.00 minimum opening balance required
- Unlimited checks written per statement cycle
- Debit card of ATM card available upon approval
- If the average balance falls below $300.00, a $5.00 fee will apply
Interest Bearing Accounts
Now Account
- $1000 minimum opening balance required
- If the account balance falls below $1000 any day during the statement cycle, a $10.00 fee will apply
- A per item fee of 25 cents will be charged on each debit posted when the account balance falls below $1000
Money Market
- $1000 minimum opening balance
- If minimum daily balance falls below $1000 any day during the statement cycle, a $10.00 fee will apply
- Limited withdrawals
Personal Savings
Savings Accounts
Regular Savings Account
- $25.00 minimum opening balance
- $2.00 fee per month if balance falls below $100.00 any day of the month
- Limited withdrawals (see terms and disclosures)
- No book required for transactions
- ATM card available upon approval
- Account transfers allowed at the ATM and Money Matters Hotline
- No fees for minimum balance requirement until age 18
If you’re planning on taking a family vacation, or wanting to put a little money away for the holidays, look into our Club accounts. These accounts are easy to open and a simple way to save up for the holidays.
Club Accounts
Vacation Club
- $25.00 minimum balance to open
- Unlimited deposits
- Pays out in May of each year
Christmas Club
- $25.00 minimum balance to open
- Unlimited deposits
- Pays out in October of each year
For long-term investors, we offer several varieties of CD’s at competitive rates. Whether looking to invest your money for a few months, or a few years, AJNB has the plan to fit your needs. Come see one of our new accounts representatives, or call us at (618) 833-8506 to find out our current rates.
Certificates of Deposit
- $1000 minimum to open
- Contact us for our current rates and specials
- Jumbo rates available for amounts $50,000 and over