The banking amenities you didn’t know you needed.


At Bank Iowa, we offer countless ways to save, earn and protect your money. Plus, when you bank with us you get access to our “extras,” including:

  • Credit Cards
  • ATM/Debit Cards
  • Online Card Protection
  • Identity Theft Services
  • Overdraft Privilege
  • Christmas Club
  • Safe Deposit Boxes
  • Night Depository
  • Official Checks
  • Wire Transfer
  • Visa TravelMoney Cards
  • Visa Gift Cards
  • Convenient Access Vista Prepaid Cards
  • Notary

Learn more about each below.





​Earn more rewards for your everyday purchases.

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Withdraw cash, check your account balance and transfer funds with the ATM card anywhere Mastercard is accepted.

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Bank Iowa cardholders are automatically enrolled in eGuard 3D Secure.

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Bank Iowa offers free and unlimited theft protection services to all of our customers.

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Overdraft Privilege


Mistakes happen all the time, and that’s why Bank Iowa offers an Overdraft Privilege. This discretionary service covers purchases and cash withdrawals up to $500 when there is not enough money in a personal checking account. This service is available to all customers with personal checking accounts.


Standard overdraft practices


Overdraft Privilege does not guarantee all overdrafts will be covered only. If your eligible accounts at Bank Iowa are in good standing with no unpaid non-sufficient fund items, we will consider payment of your reasonable overdrafts. As part of our standard overdraft practice, we authorize and pay the following types of overdraft transactions:


  • Checks and other transactions made using a check account number
  • Automatic bill payments


We will not authorize and pay the following types of overdraft transactions, unless chosen to opt-in:


  • ATM transactions
  • Everyday debit card transactions


To opt-in for overdraft protection for your ATM and debit card transactions, contact us. Please provide your name and account number in the message. There is a limit up to six overdraft fees per day and require a maximum fee of $31 each time there is an overdraft. There are other options when it comes to overdraft protection. These options may be less expensive and perfect for the banking needs you have. For more information, please read our Overdraft Privilege Policy or contact us to learn about other overdraft protection options.

Christmas Club


Consider us one of Santa’s helpers. The Christmas Club account is an easy and convenient savings account that allows control how much you want to deposit and when, while allowing you to earn a jolly interest rate over the year. It’s the gift that keeps on giving.


Safe Deposit Boxes


Store your important documents and valuables in one of the available safe deposit boxes. Items can include a copy of your will, titles to houses or cars, marriage licenses, birth certificates, and family heirlooms. For more information and availability, please contact us. Safe deposit box contents are not insured by Bank Iowa, FDIC or any other government insurance program.


Night Depository


Can’t make it to the bank during business hours? No problem! There is a 24-hour night depository, or night drop, at every location. All transactions will be completed the next business day.


Official Checks


Official checks provide a safe, convenient and easily accepted. These checks are available for purchase at any location for $5.


Wire Transfer


Outgoing and incoming domestic and international wire transfer services are available. Fees for any transfer are based on the destination.


Visa TravelMoney Cards


Consider a TravelMoney Card as your best travel companion on any international trip. TravelMoney cards combine the security of a traveler’s checks with the convenience of a debit card. TravelMoney cards feature automatic currency conversions on any purchases and ATM withdrawals, 24-hour access to card information, and easy to report if lost or stolen. If lost or stolen, travel and emergency assistance is available as well as fraud protection with Visa Zero Liability. Each TravelMoney Cards are available for $10 and can be reloaded for a $7 fee.


Visa Gift Cards


Visa gift cards are perfect for anyone and any occasion. Cards are available for $3 and can be purchased in any amount from $10 to $500.


Convenient Access Visa Prepaid Cards


Prepaid Visa cards are perfect for customers who do not qualify or choose not to open a checking account. Simply activate this card and load any amount of funds. When funds are low, reload with through the various type of applications. Prepaid cards are also a great way to provide budgeted spending money to students away at school or to use for online purchases.


  • No credit check is required.
  • Load/reload at Bank Iowa through direct deposit or from a registered bank account.
  • Make purchases or get cash anywhere Visa debit cards are accepted.
  • Receive text or email alerts when card balance is low.
  • Pay bills online to avoid any late payments.
  • Get 24/7 online account access.




All Bank Iowa customers are able to receive a free notarized signature at any location.



Financial health quiz, compound savings calculators, loan calculators, mortgage calculators, IRA calculator and more.

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We welcome any residents with local ties to the Iowa community to apply for our services.

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