We offer a range of financial services to help you plan and achieve your goals.
Secure Your Future Today
We offer a range of financial services to help you plan and achieve your goals.
JL Banking
Safe and Affordable Banking Solutions
At JL Banking, our mission is to keep your money safe and provide low-interest rates so that you can afford our services. We strive to be the bank that people trust and rely on, offering reliable and trustworthy banking solutions. With our commitment to exceptional customer service and competitive rates, we aim to be the go-to financial institution for your banking needs.
Welcome to JL Banking!
Open a Checking Account
Our checking accounts offer great benefits, including free online banking, mobile banking, and bill pay. Plus, get access to over 50,000 fee-free ATMs nationwide.
Apply for a Loan
Whether you're looking for a new car, home, or need extra funds for a personal expense, we offer a variety of loan options with competitive rates and flexible terms.
Investment Services
Plan for your future with our investment services, including retirement planning, college savings plans, and more. Our financial advisors are here to help you every step of the way.
Credit Cards
Enjoy the convenience and rewards of our credit cards, featuring competitive rates, no annual fees, and cash back rewards. Choose from a variety of card options to fit your needs.
Online Banking
Manage your accounts from anywhere with our online banking services. Transfer funds, pay bills, and monitor your transactions all in one place.
Customer Service
Our dedicated customer service team is available to answer your questions and help you with any banking needs. Contact us by phone, email, or visit us in person at any of our convenient locations.
Banking Made Easy with JL Banking
Personal Loans
Personal Loans
Personal Loans
Get the financing you need for your next big purchase or investment. We offer personal loans with competitive rates and flexible terms. Apply online today.
Business Loans
Personal Loans
Personal Loans
We offer a variety of business loans to fit your unique business needs. From small business loans to commercial real estate loans, we have got you covered.
Budgeting and Financial Planning Education
What is a budget
A budget is a plan for managing income and expenses over a set period, like a week or month.
Key parts of a budget
- Income: Money earned (allowance, part-time jobs, etc.).
• Fixed Expenses: Costs that stay the same (e.g., subscriptions, rent).
• Variable Expenses: Costs that change (e.g., groceries, entertainment).
• Savings: Setting aside money for future goals or emergencies.
The 50/30/20 rule
• 50% for needs (essentials like food, rent).
• 30% for wants (fun, entertainment).
• 20% for savings or paying off debt.
Set financial goals
• Short-term: Saving for a video game or trip.
• Long-term: College or buying a car.
Track spending
Use apps or a notebook to track where money is going. This very beneficial to see how much your spending.
Emergency fund and savings account
Save 3–6 months of living expenses for unexpected events. Interest helps grow your money over time also.
Taxes and Government Support Education
What are taxes
Taxes are payments individuals and businesses make to the government to fund public services like schools, roads, and healthcare.
Types of taxes
• Income Tax: Paid on money earned from jobs or investments.
• Sales Tax: Added to the price of items when you buy them.
• Property Tax: Charged on land or buildings someone owns.
• Payroll Tax: Taken from employees’ paychecks to fund programs like Social Security and Medicare.
Why taxes matter
Taxes help fund essential services, including public schools, hospitals, and police departments.
What Is Government Support?
Financial or social assistance provided by the government to help people meet basic needs, especially during tough times.
Examples of government support progams
• Unemployment Benefits: Money for people who lose their jobs while they look for new ones.
• Social Security: Provides income for retired or disabled individuals.
• Medicaid and Medicare: Health insurance for low-income individuals and seniors.
• Food Assistance Programs: Help people afford groceries.