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Overview / Commentary
311 Main Street
Mulberry, AR 72947
Reviews (3)

Decent Bank. Poor Interest.

Justbankit offers savings accounts, checking accounts, and money market accounts. I specifically only use them for a checking account. I found that their website was easy to use and I could check my balance on my phone easily. The one gripe that I have with the checking account is the atrocious interest rate. It is not competitive at all with the market. I was however pleased with the customer service I used on the live chat. They were able to resolve several issues that I had with no problem. Lastly, and probably most importantly, I felt secure in knowing that my money was safe. I successfully transfer money into the account, and last month I successfully transferred money out of the account with no problems.


Posted by: tyrabanks | Jun 17, 2012

The Premium NOW account is $9.95 a month, regardless of balance.

Rates For Justbankit

Posted by: DL10010 | Jun 16, 2010

Spoke with JustBankIt/Allied Bank this morning regarding their 6 month rate of 1.50% APY.  The representative advised the rate was a typo and their correct rate is 0.40% APY.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. JustBankIt.com has a relatively low asset base, and a negative return on equity.

Health Grade Components

FDIC Certificate #91
Year Established1902
Primary RegulatorFED
Profit Margin
Return on Assets - YTD-12.37%
Return on Equity - YTD-223.21%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$66.3MM$98.6MM
LoansQ2 2016vs Q2 2015$39.3MM$55.0MM
DepositsQ2 2016vs Q2 2015$64.7MM$90.6MM
Equity CapitalQ2 2016vs Q2 2015$1.3MM$7.8MM
Loan Loss AllowanceQ2 2016vs Q2 2015$2.4MM$2.2MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$5.1MM$3.6MM
Real Estate OwnedQ2 2016vs Q2 2015$9.1MM$11.2MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

JustBankIt.com Checking Account Rates

0.25%*$50k*-All Around Account
OTHER TIERS: 0.10% $10k - $50k

JustBankIt.com CD Rates

0.10%$1k-6 Month CD
0.10%$1k-12 Month CD
0.10%$1k-18 Month CD
0.10%$1k-30 Month CD

JustBankIt.com is an Internet only bank and does not have branch locations. Its headquarters is located at 311 Main Street - Mulberry, AR 72947