Resources & Alerts

Frequently Asked Questions

General

What are your regular hours?

What are your holiday hours?
What is BankIowa's routing number? What is my account number?
Does BankIowa offer Notary Services or Signature Guarantee Services?
Do I need to change my address/name?
What information do I need to have to send a wire?

Accounts

How do I apply for a savings or checking account online?
What do you charge to open an account?
What are your CD rates?
Can you transfer money from my account to another BankIowa customer?
Can you transfer money to my account at another bank?
What is my balance?
What's the difference between an ACH transfer and a wire?
Why didn't I earn the higher interest rate on my Champion Checking account last month?
Why do you put a hold on the funds in my account?
How much did I receive in interest last year?

Credit Cards

My BankIowa credit card is expired and I haven't received a new one. What should I do?

Debit Cards and ATMs

Can you tell me my PIN number?
Do you have reloadable Debit cards?
Is there a fee to use my debit card?
Is there a limit on my debit card? Why?
What phone number do I call if I lose my debit card and the bank is not open?
When will my ATM deposit be available?
Why isn't my debit card working?

Loan

Can I apply for a loan online?
How much did I pay in real estate taxes last year?
What are the current interest rates on home loans?
What's the balance on my home/auto/personal loan?
What's the interest rate on my home/auto/personal loan?
What are your loan rates?
Why did I get my tax (or insurance) bill - isn't the bank going to pay them? Do I need to send the bill to the bank?

Mobile

How do I get Mobile Banking?

How do I login to the BankIowa Mobile App?
The mobile app doesn't work on my phone, what do I do?
How do I deposit a check on mobile?
I submitted a Mobile Deposit. Why can't I see this deposit on my account?
Why do i have to use a special endorsement for my mobile deposit?

Online

How do I enroll for Online Banking?

Is it safe to use Online Banking?
My Online Banking account says I'm locked. How did that happen?
How can I reset or unlock my Online Banking password?
How do I sign up for eStatements?
I have more BankIowa accounts, but they are not all available for me to use in Bill Pay. How can I add an account for Bill Pay?
I sent a bill payment two days ago, why hasn't it been deducted from my account?

Business Online

Can I send my deposits to BankIowa using a scanner on my desk?
Can I use BankIowa's app for my business accounts?
How can I pay my employees electronically?


General

What are your regular hours?
Please click here to see a complete listing of our Hours and Locations.

What are your holiday hours?
Our Holiday Hours are available by clicking the link at the top of our Hours and Locations page.
What is BankIowa's routing number? What is my account number?
BankIowa's routing number is 073920285. Your account number is located on the bottom of your checks (between the routing number and check number). If you are unsure or do not have a checkbook, please call us at 1-800-433-0285 for assistance.
Does BankIowa offer Notary Services or Signature Guarantee Services?
Yes, we have a Notary Public available in every BankIowa branch. Signature Guarantees are not available in every branch, but may be able to meet you. It is best to call BankIowa ahead of time to make sure the right person is available.
Do I need to change my address/name?
Yes, please notify BankIowa with any changes in address, name, phone number, or email address. You can do this in Online Banking, under Other Services. Or, go to our Forms page to print an Information Change Form off our website.
What information do I need to have to send a wire?
You will need the names, addresses, and phone numbers for both the recipient and their bank, as well as the recipient's routing and account number with that bank. For international wires or wires to a business, please call 1-800-433-0285 for more information.


Accounts

How do I apply for a savings or checking account online?
Go to https://bankiowa.com/apply to get started with our easy and convenient online application. After you've submitted your application, the appropriate BankIowa account officer will contact you.
What do you charge to open an account?
Although we do not "charge" to open an account, we do require a minimum deposit to open most accounts. For specific account information and a Schedule of Fees, please see our Checking and Savings pages.
What are your CD rates?
You can find our most current CD rates by clicking on Rates at the top of this page. 
Can you transfer money from my account to another BankIowa customer?
Yes, anyone can deposit money into any BankIowa account (deposits ONLY; authorized signers and account owners are the only ones able to withdraw). You can bring the deposit to a branch, or if you actually know the account number, you can add the account to your Online Banking as a Deposit-Only account. Under Transfer-Recipients, click on Add Recipient. Please call 1-800-433-0285 for details.
Can you transfer money to my account at another bank?
Yes. If you have Online Banking, you can set up an External Account, for future one-time or recurring electronic transfers, by clicking on "Add a Recipient" on the Transfer-Recipients page. For same-day transfers, we can help you wire the funds to another account. Please contact BankIowa for instructions and current wire fees.
What is my balance?
The easiest way to access this information (and more!) on your BankIowa account or loan is with Online Banking! Please use our New Enrollment instructions or call 1-800-433-0285 to get started.
What's the difference between an ACH transfer and a wire?
An ACH (Automated Clearing House) transfer is sent electronically and may take 1-3 business days to be complete. ACH is commonly used for recurring electronic transactions, such as payroll deposits, insurance payments, and cell phone bills. Wires can be sent same-day (when submitted before 2:00 pm) and are generally used for larger one-time transactions. Fees may apply, so please review our Schedule of Fees or call us for more information.
Why didn't I earn the higher interest rate on my Champion Checking account last month?
To earn the highest interest, you must be enrolled in eStatements and have at least 15 debit card point-of-sale (POS) transactions post and clear to the account during the monthly statement cycle period. (Transactions en route and not posted by this time will not be counted.) Please contact your local branch for personal assistance.
Why do you put a hold on the funds in my account?
Banks hold checks for several reasons, all based on the need to ensure that the check will be honored by the bank on which it was drawn. It may seem inconvenient, but putting a hold on your account is an attempt to guard against fraud or insufficient funds on the part of the check writer.
How much did I receive in interest last year?
The easiest way to access this information (and more!) on your BankIowa account or loan is with Online Banking! Please use our New Enrollment instructions or call 1-800-433-0285 to get started.


Credit Cards

My BankIowa credit card is expired and I haven't received a new one. What should I do?
BankIowa credit cards are offered through UMB. Please call customer service at 1-800-821-5184.


Debit Cards and ATMs

Can you tell me my PIN number?
For security reasons, we cannot access your current PIN number. If you have forgotten this number or wish to change it, please contact us at 1-800-433-0285 and we can get a new PIN issued for you.
Do you have reloadable debit cards?
Yes, we have reloadable Visa travel cards available for purchase at all BankIowa locations. Please stop in for information!
Is there a fee to use my debit card?
BankIowa does not charge a fee for our cardholders to get cash at our ATMs. We also belong to the Privileged Status network, which gives our cardholders access to thousands of surcharge-free ATMs throughout the country! To find one near you, please use the Privileged Status ATM Locator at www.shazam.net.
Is there a limit on my debit card? Why?
To protect against loss due to a stolen card or other type of fraud, your debit card has a daily limit of $500 in purchases. If you wish to have this limit raised, please contact BankIowa and we will be happy to help!
What phone number do I call if I lose my debit card and the bank is not open?
Please call 1-800-236-2442 for after-hours assistance regarding a lost or stolen debit card. During regular business hours, please call BankIowa at 1-800-433-0285.
When will my ATM deposit be available?

The first $100 of your ATM deposit is available immediately. The rest will be available on the next business day, subject to BankIowa's Funds Availability Policy.
Why isn't my debit card working?
If you are trying to use your debit card while traveling, you may have triggered a fraud security feature which declines "unusual" transactions. Or, you may have exceeded the daily purchase limit. Both issues can be resolved by calling us at 1-800-433-0285 for assistance. In the future, you may avoid this situation by alerting us prior to traveling or making a large purchase.


Loans

Can I apply for a loan online?
Yes! Go to https://bankiowa.com/apply to get started with our easy and convenient online application. After you've submitted your application, the appropriate BankIowa loan officer will contact you.
How much did I pay in real estate taxes last year?
The easiest way to access this information (and more!) on your BankIowa account or loan is with Online Banking! Please use our New Enrollment instructions or call 1-800-433-0285 to get started.
What are the current interest rates on home loans?
You can view today's rates on our Mortgage Center page. You can even set up a Rate Watch and we'll email you when rates reach your goal, or if you prefer, we'll email current rate information on a regular basis. 
What's the balance on my home/auto/personal loan?
The easiest way to access this information (and more!) on your BankIowa account or loan is with Online Banking! Please use our New Enrollment instructions or call 1-800-433-0285 to get started.
What's the interest rate on my home/auto/personal loan?
The easiest way to access this information (and more!) on your BankIowa account or loan is with Online Banking! Please use our New Enrollment instructions or call 1-800-433-0285 to get started.
What are your loan rates?
For loan rates, please call any BankIowa branch and one of our lenders will be able to help you find the loan type, term and rate that best fits your needs. You can also Apply Online and a qualified lender will contact you to discuss.
Why did I get my tax (or insurance) bill - isn't the bank going to pay them? Do I need to send the bill to the bank?
Original tax and insurance statements are sent to the titleholder of record. If BankIowa is your mortgage lender and holds a portion of your monthly payment in escrow, we will obtain your payment amounts through our own resources and send the payments when they are due. You may retain the tax or insurance statement mailed to you for your records. For additional questions on escrow payments, please call our Jesup office at 877-611-1777.


Mobile

How do I get Mobile Banking?
We have a few different options available! Please see our Mobile Banking page for complete enrollment information.
How do I login to the BankIowa Mobile App?
Before you can login to the App, you will need to enroll in Mobile Banking and create your Mobile Login ID and password. Please check out our Mobile Banking page for step-by-step instructions.
The mobile app doesn't work on my phone, what do I do?
The BankIowa Mobile App is currently available for iPhones, iPads, and Android phones. If your device is not one of these, we still have a Mobile Browser version (for any internet-enabled device) and Text Banking. Please see our Mobile Banking page for details!
How do I deposit a check on mobile?
First, you need to be enrolled in Mobile Banking and have the BankIowa Mobile App downloaded to your device. Once you are logged in to the App, use the Menu to select Deposit, and follow the on-screen prompts. Please see Mobile Deposit Tips for more information.
I submitted a Mobile Deposit. Why can't I see this deposit on my account?
If you submitted your deposit before 3:00 pm Mon-Fri, you will generally be able to view the deposit after 8:45 pm the same day. If you submitted your deposit after 3:00 pm Mon-Fri or on the weekend, you will generally be able to view your deposit at 8:45 pm on the next business day. Please see Mobile Deposit Tips for more information.
Why do I have to use a special endorsement for my mobile deposit?
Since the check is not being taken to a branch, it will not have the same information included on it as it does when presented in person. By specifying "For Mobile Deposit Only, [your signature/stamp]," we limit confusion on how the check was handled.


Online

How do I enroll for Online Banking?
For personal account owners, go to our Online Banking login page and click on the link below the Sign In button called "Enroll for Internet Banking." Business account holders will need to contact their account officer. 

Is it safe to use Online Banking? 

Yes! At BankIowa, we use the most innovative and easy-to-use login security available. We use two-factor, two- way authentication, which means that BankIowa is verifying your identity in four different ways. To help keep your account secure, please use unique passwords and security questions, and never share this information with anyone.
My Online Banking account says I'm locked. How did that happen?
You may have entered the incorrect Login ID or Password, or mistyped the answer to a Security Question too many times. You can try to enter your information again, and/or use our automated password reset feature (click "Forgot Your Password?" on the Password entry screen). Or, just call BankIowa at 1-800-433-0285 to get personal assistance!
How can I reset or unlock my Online Banking password?
Enter your Login ID (and Security Question if prompted) and Submit. On the Password entry screen, click on "Forgot Your Password?" right underneath the Password field. Follow the instructions to receive your temporary password and reset information. Or, call BankIowa during regular business hours for assistance.
How do I sign up for eStatements?
You must first be enrolled in Online Banking. When you login, you will click on the Statements tab and Enroll. A separate browser window will open with information you need to read and "Accept" before accessing your eStatements. For complete instructions, please see our Online Banking page.
I have more BankIowa accounts, but they are not all available for me to use in Bill Pay. How can I add an account for Bill Pay?
On the Bill Payments tab, try using the Funding Accounts page to add a new account. If the account you are needing is not available, please call 1-800-433-0285 and we will get it added for you.
I sent a bill payment two days ago, why hasn't it been deducted from my account?
The funds will be deducted from your account after the Payee has received the payment. If the Payee is available for electronic payment, this should only take a few days. But if the Payee is only available for Check payment, the process can take up to 8 business days to clear your account.


Business Online

Can I send my deposits to BankIowa using a scanner on my desk?
Yes! BankIowa’s Remote Deposit Capture service allows a business to transmit any number of checks for deposit, without visiting a branch. 
Can I use BankIowa's app for my business accounts?
Yes! Business account access is available on BankIowa’s mobile banking app. Please contact your account officer for assistance in getting your business set up for Mobile Banking.
How can I pay my employees electronically?
BankIowa’s online banking payroll service allows a business to pay employees electronically. Please contact your account officer for more information.