Checking

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BANK IOWA CHECKING $ensible CHECKING INTEREST CHECKING PRESTIGE CHECKING
Best Fit for Those Who

Want a basic account with no minimum balance or monthly service fee

Want to be rewarded for using their debit card and do most banking online
Want to earn interest and have a higher balance to offset monthly service fee Want additional perks for being 55 years and older
Minimum Opening Deposit None None None None
Monthly Service Fee None None $7 None
Minimum Balance None $100 to earn
cash back
$500 to avoid monthly service fee $500 to earn
interest
Interest Earning
or Rewards
No Earn unlimited cash back of $0.10 for each debit card purchase when qualifications are met (see "Tell Me More") Interest earning Interest earning when minimum balance is met
Free ATM/Debit Card

Free Standard Checks


Free Online/Mobile/Text Banking and Bill Pay

Free Identity Theft 
Protection Services



Check Images Included
 with Statement
Available for a 
$2 service charge with printed statement or free with eStatement


Statement Options eStatement or printed eStatement required to earn cash back
eStatement or printed
eStatement or printed
Tell Me More 
Apply Now
Tell Me More Apply Now Tell Me More Apply Now Tell Me More Apply Now
X

Bank Iowa Checking

Best fit for those who are looking for a simple, no-hassle account with no minimum balance and no monthly service fee. 

Features 

  • No minimum balance
  • No monthly service charge 
  • Free ATM/debit card
  • Free online, mobile and text banking
  • Free bill pay
  • Free identity theft protection services
  • Surcharge-free access to over 3,300 ATMs nationwide via the SHAZAM Privileged Status Network
  • eStatement or printed statement available

Optional services available 

  • Check images included with statement for $2 monthly service charge or free with eStatement
  • Overdraft privilege
  • Sweep accounts
X

$ensible Checking

Best fit for those who want to earn rewards for using their debit card and do most banking online. 

Features 

  • Earn unlimited cash back of $0.10 for each debit card purchase when qualifications are met
    (see qualifications listed below)
  • No monthly service charge
  • Free ATM/debit card
  • Free online, mobile and text banking
  • Free bill pay
  • Free identity theft protection services
  • Surcharge-free access to over 3,300 ATMs nationwide via the SHAZAM Privileged Status Network

Qualifications to receive debit card cash back 

  • Maintain a minimum balance of $100 each day in the statement cycle* 
  • Log in to your Bank Iowa online or mobile banking account at least once during each statement cycle*
  • Have a Bank Iowa MasterCard debit card
  • Enroll for and receive eStatements


If you meet these qualifications, you will receive $0.10 cash back for each PIN or signature-based purchase that posts and clears to your account during the statement cycle*. (
Note: ATM withdrawals do not count as qualifying debit card purchases for purposes of earning debit card cash back with this account.) Debit card cash back will be totaled for all eligible purchases during the statement cycle* and paid (credited) to your checking account the last day of the statement cycle* showing as "Debit Card Cash Back" on your statement. 

There is no limit to the amount of debit card cash back you can receive - so the more you use your card, the more you will earn!

Optional services available 
  • Overdraft privilege 
  • Sweep accounts

Minimum deposit

To qualify for cash back, you must maintain a minimum balance of $100 each day during the statement cycle*, but there is no monthly service charge for falling below a $100 balance.


*Statement cycle means the interval of days between statements. A new statement cycle begins the day after we print or otherwise provide your monthly account statement and ends on the day we print or otherwise provide your monthly account statement. The first statement cycle begins the day you open this account. 

X

Interest Checking

Best fit for those who wish to earn interest while keeping a moderate account balance to help offset monthly service fee. 

Features 

  • Interest earning
  • Free ATM/debit card
  • Free online, mobile and text banking
  • Free bill pay
  • Free identity theft protection services
  • Surcharge-free access to over 3,300 ATMs nationwide via the SHAZAM Privileged Status Network
  • Check images included with statement
  • eStatements or printed statements available 

Optional services available
  • Overdraft privilege
  • Sweep accounts

Monthly service fee

There is a monthly service charge of $7 if balance falls below $500. 

X

Prestige Checking

Best fit for those who want additional perks for being 55 years and older. 

Features 

  • No monthly service charge 
  • Interest earning when you maintain a balance of $500 or more
  • Free ATM/debit card
  • Free online, mobile and text banking
  • Free bill pay
  • Free standard checks with Bank Iowa logo
  • Free identity theft protection services
  • Surcharge-free access to over 3,300 ATMs nationwide via the SHAZAM Privileged Status Network
  • Check images included with statement
  • eStatement or printed statement available

Optional services available 

  • Overdraft privilege
  • Sweep accounts
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