Personal Checking Accounts
What is a Freedom Checking account?
The Freedom Checking account is a transaction account that allows you to move money electronically, but not by writing checks. Paper checks cannot be written on this account and cannot be ordered at account opening. All types of electronic payments can be made on the account including debit card, bill pay, Zelle®, and ACH or automatic debits to the account (recurring or one-time).
You can make withdrawals from your account through an ATM or an over-the-counter withdrawal at a JMB branch. Deposits can be made through direct deposit, mobile deposit, wire transfers, ACH credit, or at a JMB branch (paper checks may be deposited).
What are the account limitations for Freedom Checking?
We require customers to enroll in and agree to e-Statements within 30 days of account opening; paper statements are not available on this account. When the account is opened, the e-Statement delivery method is the automatic default as a part of the initial account set-up in the system and cannot be changed. The customer will still need to access OLB and enroll in e-Statements in order to view their statements electronically.
What happens if I write a check under my Freedom Checking Account?
If a check is presented for payment on this account, it will be returned unpaid, even if there is sufficient money in the account. The item will hit the UIR daily report and be returned unpaid as “Refer to Maker.” If you decide that you would like to write checks on the account at a later time, the account must be converted to another JMB checking account of your choice.
What is Supreme Checking?
A personal checking account with a rate of interest that applies to customers who meets at least two of the following requirements:
- Maintain a monthly direct deposit of at least $500.00 from a paycheck, pension, Social Security or other eligible regular monthly income.
- Enroll account in monthly electronic statements including Online Banking and e-Statements.
- Make (8) electronic payments from the account. A qualifying electronic payment can be a combination of any of the following: bill payment, Zelle payment, debit card (POS) transaction, ACH payments or automatic debit to the account. ATM transactions, imaged checks, returned items, interest, maintenance fees and service charges do not count toward the transaction requirements.
What should I do if I have issues with my Debit Card?
If you’re having issues with your debit card, feel free to contact us at (703)-584-0840 during business hours or email us at email@example.com.
How do I re-order checks?
Re-ordering checks is as simple as visiting our check vendor’s site and placing your order.
Personal Mobile Banking FAQs
How do I make a deposit using Mobile Banking?
To make a deposit, simply follow the instructions below:
- Log into the Mobile Banking app, click on the plus + symbol located at the bottom, and select “Deposit”.
- Continue with the prompts by clicking “Continue”.
- Select the account to use for your deposit.
- Enter the deposit amount.
- Enter an email address where you would like to receive your deposit receipt.
- Sign the back of your check and write “For Mobile Deposit Only John Marshall Bank” below your signature. (Or if available, check the box that reads: “Check here if mobile deposit” and write “John Marshall Bank”).
- Snap a picture of the front and back of your endorsed check. (Note: Images are stored securely at John Marshall Bank and are not saved on your phone.)
- Click “Continue”.
- You will be prompted to approve your deposit.
- After approving, you’ll receive two notifications, one for deposit received and one other for deposit approved.
- For questions about mobile deposits, please give us a call at 703.289.5949, between the hours of 8:30am – 5:00pm (EST), Monday – Friday.
Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile camera’s coverage area. Your mobile camera’s message and data rates may apply.
Funds will typically be available in the account the next business day if deposited prior to the 5 p.m. cut-off time. All deposits are subject to the Bank’s Funds Availability Policy and may not be immediately available.
Checks must be from a U.S. financial institution, in U.S. dollars, and be payable to you. Personal checks, business checks, government/treasury checks, and cashier checks are all accepted using Mobile Check Deposit.
We recommend you keep your check for two weeks as a precaution in case it’s ever needed for verification. After two weeks, it should be shredded.
There is a 30-day waiting period for all new accounts. For customer assistance, please email firstname.lastname@example.org or call 703.289.5949.
What is SecurLOCK Equip?
Our FREE SecurLock program is a complimentary system available for all JMB debit cardholders. With SecurLock Equip, you’ll be able to control how, when and where your JMB debit card is being used. Manage your card activity with instant notifications that track your transactions, usage and any unauthorized charges. If you happen to misplace or lose your card, SecurLOCK Equip comes with settings that allow you to deactivate your card the moment you realize it’s missing. You can also set transaction spending limits, restrict usage by geographical locations, and much more.
The app supports Android – version 4.1 or later and Apple (iOS) – device model 4S, 5, 5C, 5S, 6, or 6 Plus with iOS operating system version 6, 7, or 8 and all future devices going forward.
What is Apple Pay?
Apple Pay is becoming one of the most widely used purchase options for iPhone users. As a John Marshall Bank customer, your debit card is eligible for enrollment in Apple Pay’s secure and convenient platform. Simply register your JMB debit card and experience the simplicity of making a purchase at your favorite retailer with just the touch of your finger.
How do I add my John Marshall Bank card to Apple Pay?
John Marshall Bank customers using Apple Pay on an iPhone 6, iPhone 6s, iPhone 6 Plus, iPhone 6s Plus, iPhone Se, iPad Air 2 or iPad Mini 3 will use the Wallet app (formerly the Passbook app) to add and manage their credit and debit cards.
John Marshall Bank customers using Apple Pay on the Apple Watch with a paired iPhone 6, iPhone 6s, iPhone 6 Plus, iPhone 6s Plus, iPhone Se, iPhone 5, iPhone 5s or iPhone 5c will instead use the Apple Watch app to add and manage their cards. A maximum of 8 credit or debit cards can be added to Apple Pay on each eligible device.
To add your first card to Apple Pay on an iPhone 6, iPhone 6s, iPhone 6 Plus, iPhone 6s Plus, iPhone Se, iPad Air 2 or iPad Mini 3, you will open the Wallet app and select the “Add Credit or Debit Card” option. If you already have a John Marshall Bank debit or credit card on file with iTunes, you can add it to Apple Pay as your first card simply by entering the security code on the back of your card when prompted.
To add a new or second John Marshall Bank card to Apple Pay, use the device camera to capture your card information or type it in manually. Once verified with John Marshall Bank, your debit or credit card will be ready to use for Apple Pay on your eligible device.
How is my information protected when using Apple Pay?
When you enroll your card in Apple Pay, a unique device account number is assigned, encrypted and stored on a dedicated chip on your eligible iPhone, iPad or Apple Watch. When you make a purchase, the device account number along with a dynamic, transaction-specific security code is used to process your payment. This means that your actual credit or debit card number is never shared with merchants or transmitted with the payment.
How long will my transaction history display on Apple Pay?
The last 50 transactions will display in the app for 30 calendar days.
Personal Online Banking
How do I enroll in e-Statements?
Manage your account records without the hassle of sorting through storage boxes. John Marshall Bank offers a secure space to store your sensitive financial statements for up to seven years. To enjoy the benefits of paperless statements, simply follow the instructions below:
- Sign into Online Banking
- Click on Accounts/Statements
- Click on allow the window to open
- A “Consent and Authorization” message will appear. Read and click accept.
You can always download your monthly e-Statement PDFs and check images to your computer of choice.
How do I sign up for online banking?
To sign up for online banking, follow these instructions:
- Visit our website and click “online banking.”
- Click “New User Registration” from the “Online Banking” option on the left side of the screen.
- Choose “Enroll a Person” or “Enroll a Business.”
- Read the John Marshall Bank Online Access Agreement, scroll to the bottom after reading and click on “Agree” or “Disagree.”
- Follow the “Enroll Online” instructions to establish your Sign-On ID and password. Your Sign-On ID can be anything you want and your password must be a minimum of 7 characters and include a number. You will need your John Marshall Bank account number to enroll.
- Upon completion of the “Enroll Online” process, you will see a message that says you have been authenticated and you can now log on to Online Banking. The first time you sign-on, you will only need the Sign-On ID and password you chose during the enrollment process.
- If you have any problems or questions in signing up for online banking, please call John Marshall Bank during regular business hours and ask for the IT Department.
Which accounts can I access with Online Banking?
- Checking accounts
- Money Market accounts
- Savings accounts
- Certificates of deposit
- Individual Retirement Accounts
- Consumer loans
- Commercial loans
- Lines of credit
- Cash reserve accounts
How do I change my address?
Sign on to Online Banking and select Contact Us from the Customer Service page. In your email message, include your new address. Or call our corporate headquarters at 703-584-0840 and speak to a customer service representative.
What is my Customer Access number?
Your Customer Access number (also called “user ID”) is the last eight digits of your ATM card. If you do not have an ATM card, and you enroll in Online Banking, an eight-digit access number will be mailed to you.
Who can I pay with Bill Pay?
You can make a payment to any individual, business or merchant with a United States address. We strongly advise against using Bill Pay to pay your taxes, as local, state and federal agencies frequently require that coupons accompany these payments. John Marshall Bank will not be liable for any penalties resulting from late or missing tax payments.
How is a Bill Pay payment made by the bank — electronically or by check?
Payments are based on John Marshall Bank’s relationships with the payee. Some payments are paid electronically and some are paid by a check.
When are Bill Pay payments debited from my account?
John Marshall Bank will debit your account on the process date you enter when requesting the payment. We recommend that you schedule payments five business days in advance of the payment due date.
What happens if the payment doesn’t make it on time or the merchant doesn’t receive it?
Simply sign on to Online Banking and click Payment History from the Bill Pay section. Then click Payment Investigation to initiate your request. Or contact our Bill Pay provider at 1-888-232-0217 with the information. We will contact your merchant, investigate the problem, and provide you with a resolution within three to five business days.
When does John Marshall Bank process my payment or fund transfer requests?
We will process your payment requests the same day if they are completed by 11 p.m. (PT) Monday through Friday, except on bank holidays.
How does John Marshall Bank protect my information?
To safeguard all financial and personal information, John Marshall Bank:
- Requires a user ID, an Online PIN which is only known to the customer and your Postal/Zip Code
- Uses encrypted pages for password logins
- Uses 128-bit encryption for customer information throughout Online Banking
- Retains all account data in secure bank systems
- Ensures that any email the bank receives is seen only by a John Marshall Bank employee
- Uses systems that protect all financial and personal information, and are anchored in state-of-the-art security features
What is encryption?
Encryption systems scramble electronic communications and information and allow users to communicate on the Internet with confidence, knowing their security and privacy are protected. We use 128-bit encryption, which provides powerful encryption protection for Internet transactions. This encryption ensures that only John Marshall Bank can view the information you exchange online.
How do I reorder checks?
To reorder checks, click on the following link.
What should I do if I am having issues with my credit card?
If you’re having issues with your credit card, feel free to contact us at (703)-584-0840 during business hours or email us at email@example.com. During after-hours, you can contact (800)-344-5696 for assistance with your credit card.
What is the Bank's Routing Number?
John Marshall Bank’s routing number is 056009356.
What are Real-Time Payments?
Real-Time Payments were established by The Clearing House in 2017 to provide its members with a faster payment solution. Through Real-Time Payments, transactions are cleared and settled by the network 24/7, 365 days a year. This allows for prompt delivery and greater accessibility of funds into your account.
How do I receive an RTP?
To receive an RTP, you must provide the person or business who will be sending the payment your routing number and account number at John Marshall Bank. The individual or business must be a member of the Clearing House network with the ability to send RTP credits. Once they input your information and send the funds, the amount will be credited to your account within seconds.
What circumstances are ideal for RTP Payments?
Real-Time Payments are an ideal method of receiving payments for disaster relief, freelance work, insurance claim payouts and other just in time payments to name a few.
Where can I view my RTP?
You can view any previous RTP transaction details through your John Marshall Bank online banking account, your paper or electronic account statements, and your mobile banking app.
What is the difference between RTPs and other payment methods?
Real-Time Payments are instantaneous and can help you optimize your cash flow. Traditional electronic payments can take several business days before they are cleared and settled into your account. RTPs provide a platform for you to receive funds within seconds of the transaction being initiated. Even same-day ACH have restrictions on when they can be initiated and delivered. RTP also provides improved communication between the payer and payee by giving the payer the option to include additional information like remittance data with the transaction.
Are Real-Time Payments a secure payment method?
All Real-Time Payment transactions move directly through banking channels and are protected by bank security measures.
I can receive payments but not send them. When will I be able to send RTP transactions?
Presently, John Marshall Bank users can only receive payments within the RTP network. However, there will be future enhancements that’ll allow business and government entities to send payments, send requests for payments, include remittance/invoice data on payments, and more.