Additional Services

Overdraft Privilege

Bank Iowa understands mistakes can happen. That’s why we offer Overdraft Privilege, a discretionary service available to eligible personal checking accounts to cover your purchases and cash withdrawals when you do not have enough money in your account. What this means to you is fewer charges from retailers for insufficient checks and less aggravation and embarrassment.

Our standard overdraft practices

As part of our standard overdraft practices that come with your account, we do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number 
  • Automatic bill payments 

We will not authorize and pay overdrafts for the following types of transactions unless you opt-in (see below):

  • ATM transactions 
  • Everyday debit card transactions 

To opt-in for your ATM and everyday debit card transactions to be covered by overdraft protection, contact us and be sure to include your name and account number in your message. 

Under our standard overdraft practices, we will charge you a fee of up to $35 each time we pay an overdraft. We will charge up to six fees each day for overdrawing your account.

Overdraft Privilege is a discretionary service and does not guarantee all overdrafts will be covered. If you maintain your eligible account in good standing, rather than automatically returning unpaid any non-sufficient funds items that you may have, we will consider, without obligations on our part, payment of your reasonable overdrafts.

Please Contact us to learn more about Bank Iowa’s overdraft service options.

Other overdraft protection options

We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. Contact us to learn more about all of Bank Iowa's overdraft service options.

Christmas Club

Save all year long for the holiday season with Bank Iowa’s Christmas Club Account. Convenient and easy, you’ll earn a great interest rate while controlling how much to deposit and when. Contact us for more details. 

Safe Deposit Boxes

Protect your important documents and valuables with a safe deposit box. Items you should consider storing in a safe deposit box include a copy of your will, stock and bond certificates, insurance policies, titles to your house and cars, marriage license, birth certificates, expensive jewelry and family heirlooms. Sizes and availability vary by location. Please contact us for more information.

Night Depository

If you are unable to make it to the bank during business hours, a 24-hour night depository (night drop) is available. Transactions will be completed the next business day.

Visa TravelMoney Cards

The perfect travel companion, TravelMoney cards combine the security of traveler's cheques with the convenience of a Visa card. Make purchases and get cash anywhere Visa debit cards are accepted (online, in store, ATM's and over the phone). Features automatic currency conversion on purchases and at ATMs, 24/7 card account information online or via 800 number, easy to report if lost or stolen (call 800.486.0292), fraud protection with Visa Zero Liability if card is lost or stolen and 24-hour Travel and Emergency Assistance Services. Available for $10 each and can be reloaded for a $7 fee.


Visa Gift Cards

Always the perfect gift for any occasion and can be used anywhere Visa debit cards are accepted (online, in store, ATM's and over the phone). Available for $3 each and can be purchased in any amount from $10 to $500. 

Convenient Access Visa Prepaid Cards

The Convenient Access Visa® Prepaid Card is a general purpose reloadable prepaid card with hundreds of applications. Ideal for consumers who don't qualify for or choose not to open traditional checking accounts. Also a great way to provide budgeted spending money to students away at school or to use for online purchases.


  • Get Access - no credit check required
  • Load/reload card at Bank Iowa, via direct deposit or from a registered bank account
  • Make purchases/get cash anywhere Visa debit cards are accepted (online, in store, ATM's and over the phone)
  • Text/email alerts when card is used or card balance is low 
  • Pay bills online to avoid late payments
  • 24/7 card account access online or via 800 number

Official Checks

Official checks are safe, convenient, easily accepted and provide receipt of payment. They can be purchased for $5 each.

Wire Transfers

Domestic and international wire transfer services are available for outgoing or incoming wires. Fees vary based on the sending and receiving destination. Contact us for details.


Obtain a notarized signature at any Bank Iowa location, available free to Bank Iowa customers.

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