The gas station, the local grocery store, or online shopping for the pair of shoes you’ve been eyeing. No judgment. With $ensible Checking, whatever you spend your money on, we’ll reward you for it. At $.10 cash back for each qualifying debit card purchase, you will earn cash back of $1.00 for every 10 qualifying debit card transactions! That's right, we pay you every time you purchase.


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Additional features include:
  • No monthly service charge
  • Free debit card
  • Free online, mobile and text banking
  • Free bill pay
  • Complimentary identity theft services
  • Surcharge-free access to over 3,300 ATMs nationwide via the SHAZAM Privileged Status Network
  • Check images included with every statement
To qualify for debit card cash back, you must meet the following qualifications*:
  • 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 attached to this account.
  • Enroll in and receive eStatements each statement cycle.

*If you meet the qualifications above, you will receive $.10 cash back for each PIN or signature-based debit card purchase that posts and clears your account during the statement cycle. ATM withdrawals do not count as qualifying debit card purchases for purposes of earning debit card cash back with this account. 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. $ensible Checking accounts cycle on the 5th of the month. For your protection, please do not submit account or other personal information through this form.  



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