When you bank with JP Stone, you know that your business is backed by a pillar of the community. We offer no-frills, down-to-earth account options suitable for a local busi­ness of any size. Supplement your account with our business-oriented services, and you’ve got a recipe for a stable, reliable banking experience!

Business owners can utilize our checking as a low-maintenance operating account, with no minimum balance and an unlimited number of deposits.


  • $100 initial deposit
  • Account Analysis fees apply; contact us for more details
  • Unlimited number of deposits
  • $10 Paper Statement Fee per statement cycle
    • Avoid fee by enrolling in e-statements

When you have extra capital, don’t let your money just sit there — make it work for you! A business savings is an interest-bearing account where accrued interest is compounded daily and credited quarterly.


  • $100 initial deposit
  • Interest-bearing account1, calculated by the daily balance method, compounded daily and credited quarterly
  • $2 Minimum Balance Fee if balance falls below $100 any day during quarterly statement cycle
  • $4 Excessive Item Fee per item after six debits/withdrawals per quarterly statement cycle
  • $10 Paper Statement Fee per statement cycle
    • Avoid fee by enrolling in e-statements

A Certificate of Deposit (CD) is a great long-term investment option for our business customers. We offer three terms to fit your needs, from 6 to 24 months. In these times of fluctuating interest rates, protect yourself with a locked in rate!*

Special Rate Time Deposits

182 day time deposit at 5.06% APY with an available 0.25% interest rate bump for qualified customers *

* APY-Annual percentage rate. Minimum balance to open is $1,000 and minimum to earn APY is $.01. A penalty may be imposed for early withdrawal and fees may reduce earnings on the account. Rates effective as of 08/10/2023. 0.25% rate bump for customers with a checking with direct deposit. Account required for special rate bump may have other fees and conditions. Speak with a customer representative for more details.

Special Rate Time Deposits

12 month time deposit at 4.00% APY with an available 0.25% interest rate bump for qualified customers *

* APY-Annual percentage rate. Minimum balance to open is $1,000 and minimum to earn APY is $.01. A penalty may be imposed for early withdrawal and fees may reduce earnings on the account. Rates effective as of 04/12/2023. 0.25% rate bump for customers with a checking with direct deposit. Account required for special rate bump may have other fees and conditions. Speak with a customer representative for more details.

Special Rate Time Deposits

24 month time deposit at 2.02% APY with an available 0.25% interest rate bump for qualified customers *

* APY-Annual percentage rate. Minimum balance to open is $1,000 and minimum to earn APY is $.01. A penalty may be imposed for early withdrawal and fees may reduce earnings on the account. Interest compounds quarterly. Rates effective as of 02/17/2023. 0.25% rate bump for customers with a checking with direct deposit. Account required for special rate bump may have other fees and conditions. Speak with a customer representative for more details.


  • $1,000 minimum to open
  • Fixed interest rates
  • Accrued interest compounded quarterly for terms over 12 months
  • Auto-renewing CDs available

* Penalties apply for early withdrawal

1 We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

2 Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per quarterly statement cycle with no transfers by check, draft, debit card, or similar order to third parties.

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