Checking

Elevate Your Banking Experience with BankIowa 

Discover the perfect checking account that caters to your diverse needs at BankIowa. Our checking accounts not only provide convenient access to your funds but also offer the opportunity to earn interest when specific criteria are fulfilled. BankIowa presents a selection of three distinctive checking accounts, each accompanied by a range of advantages, including complimentary checks or safe deposit box. Let us help you find the checking account that aligns with your preferences. We’re here for you to experience the BankIowa difference!

Tap Into Our Expertise 

Opening a Checking Account

To apply for a checking account at one of our walk-in branches, please bring:

• Valid driver’s license or state-issued ID
• Proof of current address (if the address on your ID is not accurate, please bring in a pay stub or utility bill)
• Social Security number
• At least $100 minimum opening balance to deposit into a checking account

If you desire a joint account, we’ll need a valid ID and required documentation for each applicant.

Power Checking Account

Easy to maintain with no minimum balance requirements and no monthly fee.

• $100 minimum opening balance
• Unlimited check writing privileges
• Free online banking, eStatements, and Mobile Banking*.

*Cell phone plan text rates and data rates will apply.

Rewards Checking Account

Designed to reward the BankIowa customer with multiple accounts.

• Interest bearing checking account
• $100 minimum opening balance
• Maintain a $3,500 average daily collected balance or a $10,000 aggregate balance to avoid a $15 monthly maintenance fee. The aggregate balance is defined as the sum of the average daily collected balance of your deposit accounts and the current principal balance of your consumer loans on the last day of the statement cycle. First mortgage, credit cards, and business loans are excluded from the calculation.
• 2 free boxes of checks per year – Rewards style only
• No annual fee Debit card
• No fee official checks
• Free first year safe deposit box rental (subject to availability)
• Free front image checks returned in monthly statement
• Tiered interest rate – subject to change
• Free online banking, eStatements, and Mobile Banking*
• No initial fee travel card

*Cell phone plan rates and data rates will apply.

Champion Checking Account

For the customer with high debit card usage and eStatements enrollment who wants to earn a higher rate of interest.

• Earn a higher rate of interest on account balances up to $15,000
• Free online banking with all the free benefits you could ask for - Mobile Banking*, bill pay, and eStatements
• Free small safe deposit box for the first year
• No annual fee Debit card
• One account per household

*Cell phone plan text rates and data rates will apply.

Compare Our Checking Accounts

Debit Cards

A Visa® debit card is Included with our Rewards and Champion checking accounts. It has no annual fee and can be used at eligible ATMs to make deposits or withdrawals, check funds availability, or transfer funds. If you make a transaction at one of the thousands of available Shazam ATMs, the transaction is free. It is accepted like a credit card can be used at online or in-store retailers as electronic payment rather than wiring a check.

Direct Deposit

For convenience and easy access, have your paycheck deposited into your BankIowa account(s) automatically. Direct Deposit offers many conveniences, including:

• Instant Access – electronic payroll deposit shows up in your account earlier than depositing in person providing instant access to funds
• Alerts – enroll in online or mobile banking to set up alerts to receive a message to your cell phone or e-mail to let you know when your direct deposit funds post
• Security – reduces theft or loss of a printed check

To set up direct deposit, ask your employer for the company’s payroll direct deposit form. You will need our routing number and the account number where you intend to deposit your check. If you are on Social Security and want to set up direct deposit, please visit www.godirect.org. This is a secure government site to help you get set up correctly.

Order Checks

If you need more checks, simply call us during normal business hours at (800) 433-0285 or stop by one of our walk-in branches for assistance.

Check Stop Payment

If you need to stop payment on a check before it posts, call us during normal business hours at (800) 433-0285 or stop by one of our walk-in branches for assistance. There is a $30 fee per check for check stop payment.

Your Personal Banking Team

Teresa Samec

Office Manager, VP

NMLS: 523287

Division: Personal Banking

Location: Cedar Falls

Phone: (319) 575-9031

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Karen Gosnell

Personal Banker

NMLS: 2547868

Division: Personal Banking

Location: Cedar Rapids NE

Phone: (319) 249-7075

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Sharon Meoni

Office Manager, AVP

NMLS: 1155200

Division: Personal Banking

Locations: Cedar Rapids NE, Marion

Phone: (319) 249-7094

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Mollie Woltz

Office Manager, AVP

NMLS: 996926

Division: Personal Banking

Locations: Cedar Rapids SW, Norway

Phone: (319) 249-7079

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Jeff Wagenknecht

Office Manager

Division: Personal Banking

Location: Independence Main

Phone: (319) 334-7544

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Joan Dale

Personal Banker

NMLS: 2237058

Division: Personal Banking

Location: Independence South

Phone: (319) 334-7584

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Heidi Larson

Relationship Banker/Mortgage Banking Officer

NMLS: 1459890

Divisions: Mortgage, Personal Banking

Locations: Jesup, Waterloo Downtown

Phone: (319) 888-7024

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Christina Keppler

Lamont Office Service Leader/Personal Banker

NMLS: 2377688

Division: Personal Banking

Location: Lamont

Phone: (319) 334-7594

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Kimberly Zerr

Personal Banker

NMLS: 2547871

Division: Personal Banking

Location: Marion

Phone: (319) 206-7001

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Deborah Clark

Universal Banker

NMLS: 1155198

Division: Personal Banking

Location: Rowley

Phone: (319) 334-7507

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Deb Hemsath

Office Manager, AVP

NMLS: 2294847

Division: Personal Banking

Location: Rowley

Phone: (319) 334-7585

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Mickayla Burk

Assistant Office Manager

NMLS: 2550071

Division: Personal Banking

Location: Waterloo Downtown

Phone: (319) 249-7085

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Jane Messingham

Consumer Banking Manager, VP

NMLS: 458197

Division: Personal Banking

Location: Waterloo Downtown

Phone: (319) 888-7026

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Billie Payne

Office Manager, AVP

NMLS: 1379369

Division: Personal Banking

Location: Waterloo Kimball

Phone: (319) 888-7009

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