Personal

BankIowa Card Services

Emergency Numbers for Lost or Stolen Cards
  • BankIowa VISA Debit Card 1-800-236-2442
  • BankIowa ATM Card 1-800-433-0285
  • BankIowa Credit Card 1-800-821-5184

VISA Debit Card

  • Easier than cash and checks – just use your Visa Debit Card when you are ready to pay. It works fast, so there’s no need to write checks or fumble for change.
  • Gain peace of mind with Visa’s Zero Liability Policy which protects you from unauthorized purchases.
  • Access cash at ATM’s worldwide. BankIowa is a member of the Privileged Status Program. For no fee withdrawals click here
  • No issue cost or annual fee.

ATM Card

Have access to your bank account with your BankIowa ATM Card. With access to your accounts 24/7, you can get cash, check your account balances or even transfer funds, which means no fee transactions when you use your card at Privileged Status ATMs. BankIowa is a member of the Privileged Status Program.

BankIowa Visa Credit Card

BankIowa has available, in partnership with UMB, the Visa Platinum Card. This card gives you superior purchasing power and has worldwide recognition, as well as reward points redeemable for travel, merchandise, or cash.

    Account Inquiries and Payment Information

    As a BankIowa Visa Credit Card member, you have easy access to check your current balance and make convenient payments by going directly to the Card Center websites. If you are a cardholder, check balances and make payments by going to: www.CardCenterDirect.com.

    Points Program:

    Earn points on your purchases to be used to order gift and travel awards. To view current accumulated points or to order products, visit www.rewards.umb.com

    Other Card Advantages:

    The BankIowa Visa Credit Card also provides many travel and shopping advantages:

    • Shopping Discounts - Get exciting discounts on great merchandise with Visa Rewards Online.
    • Fraud Protection – Visa’s Zero Liability Fraud Protection
    • Warranty Manager Service - Provides warranty registration, extended warranty protection and extended service agreements.
    • Auto Rental Insurance - Provides 24-hour coverage for damage due to collision or theft.*
    • Travel and Emergency Assistance - Provides emergency assistance including medical referrals, legal referrals, and emergency ticket replacement.
    • Annual Activity Statement - Receive a complimentary year-end summary to reconcile your Visa Platinum purchases.
    • Travel Accident Insurance - Receive up to $500,000 travel/accident insurance when you charge airplane, train, ship, or bus tickets on licensed common carrier with your UMB Visa Platinum Card.*
    • Payment Options - UMB accepts four different methods of payment for your convenience.
    To report lost or stolen cards please call 1-800-821-5184. Pick up an application today at any BankIowa office locations. Visa Debit and Visa Credit cards are subject to credit approval.

    *Insurance products are not insured by any Federal Government Agency (except for Federal Crop and Flood Insurance) - not a deposit - not FDIC Insured - not guaranteed by the bank - may go down in value (if there is a risk of losing the principal payment amount).

Travel Cards

Travel Smart with a prepaid BankIowa Visa Travel Card. Don’t worry about carrying large amounts of cash – it is the ideal solution for securely handling money while traveling. Best of all, you can go almost anywhere since the card is accepted at millions of locations and ATMs worldwide – and, if you need local currency, the card has you covered.

Additional features include:

  • Zero Liability – Protects you from unauthorized use of your card is lost or stolen.*
  • Travel and Emergency assistance – Emergency services available 24 hours a day. **
  • Lost Luggage Reimbursement – Up to $250 due to loss or theft.***
  • Converts purchases to US Dollars when used in other countries.
  • Initial card cost of $7.50.
  • Reloadable at thousands of retail locations.
  • $7.50 initial card cost waived for Rewards and Gold Club accountholders.
  • Minimum card load is $100 and the maximum load is $5,000.
*Visa’s Zero Liability policy covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Visit www.visa.com/security. **Refer to your guide to benefits for full program benefits. ***Certain terms, conditions and exclusions apply. For details, refer to the Guide to Benefits you receive with your card. To register your card or to check on the card’s current balance & transaction history go to www.ppdmoney.com or call tool free: 800-552-0974. To report a lost or stolen card, call toll free: 800-552-0974.

Visa Travel Cards are sold through BankIowa as an Agent for community Bank Products and are not FDIC insured:

  • Load, unload or transfer, $2.00 (per transaction)
  • IVR Fee: $0.50 (per call, after four (4) free per month)
  • Customer Service Live Agent Fee: $2.00 (Per call, after one (1) free per month)
  • ATM Balance Inquiry: $0.50 (free via www.ppdmoney.com or phone)
  • ATM Withdrawal: $2.00 (per transaction)
  • Over the counter cash advance: 45.00 (per transaction)
  • Service Fee: $2.00 (per month beginning on the 3rd moth from the date of the last debit or credit to affect your balance (excludes Service Fee)
  • Replacement Card Fee: $15.00 (per Card; when Card is replaced for any reason)
  • Card Account Liquidation Fee: $20.00 (charged if a check is issued for funds on your Card Account)
  • Statement Fee: $2.00 (per mailed monthly statement if requested by customer)

Gift Cards – Easy to wrap! Easy to give!

The BankIowa Visa Gift Card is the ideal gift for anyone, for any occasion! Recipients can use their card to choose their own perfect gift: clothes, toys, entertainment… and it's safer than cash!

Additional features include:

  • An all-occasion gift - Use it for birthdays, holidays, weddings, graduations, thank-yous - whenever!
  • Visa Acceptance - Welcomed everywhere. Visa Gift Cards are accepted worldwide.
  • Choice - Unlike store gift cards and gift certificates, you can use it almost anywhere.*
  • Available in any denomination - Loaded with the dollar amount you specify, from $10 to $750.
  • Security - A lost or stolen gift card can be replaced if the account number is available.**
  • Rewards or incentives - Businesses, non-profit organizations and other groups can use the Visa Gift Card as a reward or incentive.
  • Low cost - Just a $3 fee to purchase the gift card - that's less than the cost of gas to drive to the store for a gift!

To register your card or to check on the card's current balance & transaction history go to www.ppdmoney.com or call toll free: 866-264-2094.
**To report a lost or stolen card, call toll free: 866-208-3282. Visa Gift Cards are sold through BankIowa as an Agent for Community Bank Products. Inactivity fee - $4.95 per month beginning the 13th month from the date of last debit or credit to affect your balance, excluding this fee. $15.00 if a lost or stolen card is replaced. * Prohibited Transactions. PIN-based transactions are not available with the Card. You must provide your signature in order to make a purchase with the Card. In addition, the Card may not be used to reserve any balance that has not yet accrued, such as to reserve hotel rooms or rental cars, or to "pay at the pump" in advance of a gasoline purchase. You also may not use the Card to add a tip after a transaction has been processed with the Card, for example, at restaurants or for beauty services.

THIS PRODUCT IS NOT FDIC INSURED.