Johnson Bank checking account options include features that matter the most to you, including the convenience of online and mobile access to your accounts. Meet with one of our Relationship Bankers to open an account to best meet your needs today, and find out how you can combine your balances from other Johnson Bank accounts to be free from maintenance fees.
Monthly Cycle Maintenance Fee Waived if any one of the 3 qualifications below are met
Minimum Daily Ledger Balance1
Average Monthly Cycle Ledger Balance
Combined Related Aggregate Ledger Balance2
Monthly Automatic (ACH) Direct Deposit
Unlimited Transaction/Activity Fees Per Check, On‐Us ATM, Foreign ATM or ACH/Electronic
Essential Checking for Young Adults3
Available Overdraft Services4 Provided by a Savings or Money Market account or a Line of Credit
Tiered Contact Johnson Bank
Interest Payment Frequency, Monthly
1 Opening an account with an amount less than the Minimum Daily Ledger Balance will result in the account being assessed a Monthly Cycle Maintenance Fee for the initial monthly cycle, unless another balance qualification is met or a monthly direct deposit is established.
2 Defined as the lowest daily combined ledger balance of this account plus all “Related Accounts” designated by you, the customer and linked by the Bank for this purpose. Related Accounts include consumer savings, money market, certificates of deposit and current outstanding principal consumer and mortgage loan balances. Classic Lines of Credit and certain deposit account balances for retirement or tax-deferred accounts are excluded. Related Accounts may not be used with more than one checking account.
3 Young Adults under the age of 25 are eligible for a free Essential Checking account if a parent or guardian maintains a Johnson Bank interest bearing checking (demand deposit) account.
4 Credit products are subject to standard underwriting, approval, terms and conditions.
Other Information: Minimum age to open an individual checking account is 18. Additional fees may apply, see the Fee Schedule for more information.
In the experience rating process, each loss is divided into a primary and excess portion. The first $16,500 of every loss is determined as a primary loss, with everything above that point considered an excess loss.
In July 2011, the NCCI announced a proposal
Your Experience Modification Factor can be explained as follows:
The mod is a ratio of actual losses to expected losses over a 3 year period
If your actual losses are more than expected, then your mod is over 1.0
If your actual losses are
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