Personal

Checking

Free Checking

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

  • $100 minimum opening balance
  • Unlimited check writing privileges
  • Free telebanking, online banking, eStatements and mobile banking*
*Cell phone plan text rates and data rates will apply.
For account details click here.

Personal NOW

Convenience of a checking account combined with interest earnings.

  • $500 minimum opening balance
  • Maintain a $1,500 average daily collected balance to avoid $9.00 monthly fee as well as $0.20 per check fee and $0.10 per ACH debit fee
  • Interest compounded and credited monthly
  • Free check front images returned with monthly statement
  • Free telebanking, online banking, eStatements, and mobile banking*.
*Cell phone plan text rates and data rates will apply.
For account details click here.

Rewards

Designed to reward the BankIowa customer with multiple accounts.

  • Interest bearing NOW 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 ATM and/or Debit card
  • No fee money orders, and cashiers 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, telebanking, eStatements and mobile banking*
  • No initial fee travel card
  • One account per household
*Cell phone plan rates and data rates will apply.
For account details click here.

Golden Rewards

Designed for customers 50 years of age or over.

  • $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.
  • Free unlimited check orders. Single box, Gold Club style only
  • Free cashiers checks and money orders
  • No annual fee ATM and/or Debit card
  • $3.00 discount on annual safe deposit box rental
  • Free telebanking, online banking, eStatements and mobile banking*
  • Gold Club events and activities including trips and events
  • No initial fee travel card
*Cell phone plan rates and data rates will apply.

For account details click here.

Freedom Checking

Don’t miss out on this great checking account opportunity to save on your favorite activities and protect you and your family at the same time.

  • No minimum monthly balance requirement
  • Monthly maintenance fee of $7.50 provides $10,000 Accidental Death and Dismemberment Coverage*
  • Or a monthly maintenance fee of $9.00 provides $30,000 Accidental Death and Dismemberment Coverage*
  • Free Online Banking with all the free benefits you could ask for – Mobile Banking**, Bill Pay, eStatements and Telebanking
  • No fee cashiers checks and money orders
  • No annual fee ATM and/or Debit card
  • Unlimited check writing
  • Receive preferred rates on personal CDs
  • 24-hour accidental death and dismemberment coverage
  • Credit card protection and key ring registration
  • Home inventory protection list
  • Free first aid emergency guide and free child I.D. kits
  • Exclusive “Explore Iowa” travel promotion including Heartland Inn discounts, admission discount to Adventureland, discount admission tickets to the Iowa State Fair, and much, much, more!
  • Preferred rates given on new time certificates and consumer loans established after opening a Freedom Account***
*For more detailed information about the AD&D insurance coverage, contact Iowa Bankers Association at 800-532-1423. Insurance products are not deposits, not FDIC insured, not insured by any federal government agency and not guaranteed by BankIowa.

**Cell phone plan text rates and data rates will apply.
***Loans subject to qualifying credit approval.

For account details click here.

Champion Checking

For the customer with high debit card usage and eStatement 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, eStatements and telebanking
  • Free small safe deposit box for the first year
  • No annual fee debit card
*Cell phone plan text rates and data rates will apply.

For account details click here.

For Schedule Of Fees Click Here.