PERSONAL CHECKING TO FIT YOUR LIFE

It’s like one-size-fits-all never happened

 

When it comes to personal checking, you need a solution tailored to fit your needs. Bank Iowa offers four attractive checking options so you can pick the right one for you:

 

  • Bank Iowa Checking
  • $ensible Checking
  • Interest Checking
  • Prestige Checking

 

While each account comes with different features to suit all personal finance shapes and sizes, there are a few standard ones that come with every Bank Iowa checking account:

 

  • No minimum opening deposit
  • Free online/mobile/text banking and bill pay
  • Tree-saving electronic statement option
  • Complimentary identity theft protection services
  • BANK IOWA CHECKING

    BANK IOWA CHECKING

    This is our original, personal checking option with no minimum balance requirement or service fees—it’s a win-win.

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  • $ENSIBLE CHECKING

    $ENSIBLE CHECKING

    This account earns its users unlimited cash back at a rate of $0.10 per qualified debit card purchase. Cha-ching!

    Learn more
  • INTEREST CHECKING

    INTEREST CHECKING

    Our interest checking is for the “high rollers” who always have $500. If that’s you, it’s time to reward yourself!

    Learn more
  • PRESTIGE CHECKING

    PRESTIGE CHECKING

    Our Prestige Checking is exclusive to customers who are 55 years old (or older) and always have $500 in the bank.

    Learn more
BANK IOWA CHECKING

BANK IOWA CHECKING

This is our original, personal checking option with no minimum balance requirement or service fees—it’s a win-win.

Learn more
$ENSIBLE CHECKING

$ENSIBLE CHECKING

This account earns its users unlimited cash back at a rate of $0.10 per qualified debit card purchase. Cha-ching!

Learn more
INTEREST CHECKING

INTEREST CHECKING

Our interest checking is for the “high rollers” who always have $500. If that’s you, it’s time to reward yourself!

Learn more
PRESTIGE CHECKING

PRESTIGE CHECKING

Our Prestige Checking is exclusive to customers who are 55 years old (or older) and always have $500 in the bank.

Learn more

Compare Checking Accounts

 BANK IOWA CHECKING$ENSIBLE CHECKINGINTEREST CHECKINGPRESTIGE CHECKING
Best Fit for Those WhoWant a basic account with no minimum balance or monthly service fee
Want to be rewarded for using their debit card and do most banking onlineWant to earn interest and have a higher balance to offset monthly service feeWant additional perks for being 55 years and older
Minimum Opening DepositNoneNoneNoneNone
Monthly Service FeeNoneNone$7None
Minimum BalanceNone$100 to earn
cash back
$500 to avoid monthly service fee$500 to earn
Interest
Interest Earning
or Rewards
NoEarn unlimited cash back of $0.10 for each debit card purchase when qualifications are met (see "Tell Me More")Interest earningInterest 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 OptionseStatement or printedeStatement required to earn cash backeStatement or printed
eStatement or printed
APPLY NOWAPPLY NOWAPPLY NOWAPPLY NOW

DIRECT DEPOSIT

DIRECT DEPOSIT

Set up direct deposit and we’ll save you some travel time to and from your Bank Iowa location.

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AUTOMATIC PAYMENTS

AUTOMATIC PAYMENTS

Set up your bill payments automatically to save yourself some time and stress.

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REORDER CHECKS

Out of checks for your Bank Iowa checking account? You just need your routing number and account number to get started. You can also stop by one of our locations to place your order. Find the nearest location to you!

OVERDRAFT PRIVILEGE*

Bank Iowa understands mistakes can happen. That’s why we offer Overdraft Privilege for eligible personal checking accounts.

*Whether your overdraft will be paid is discretionary and we reserve the right to not pay. For example, we typically do not pay overdrafts if your account is not in good standing. Fee is $35. Repayment of fees and charges is due and payable upon demand. Categories of transactions covered include check, automatic bill payments, ATM transactions (if opted in), everyday debit card transactions (if opted in).

OVERDRAFT PROTECTION

In addition to our overdraft privilege, we also offer overdraft protection. Overdraft Protection is a line of credit tied directly to your personal checking account in an amount approved by a loan officer. Unlike Overdraft Privilege, when Overdraft Protection is used, you are not charged an Overdraft Fee (OD Fee) for each item that clears in excess of your current balance. Instead, the covering funds are applied to your checking account while the outstanding balance accrues interest until paid back to zero.