General
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 Customer Service.
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
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 "Make an external transfer" from the Pay and Transfer menu. For same-day transfers, we can help you wire the funds to another account. Please contact BankIowa for instructions and current wire fees.
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. Please call us for more information.
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.
Debit Cards and ATMs
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.
What should I do if I suspect fraud on my debit card?
If you suspect fraud on your debit card, report any unknown transactions immediately to BankIowa. Call 1-800-754-4128 for 24/7 service, or call 1-800-433-0285 during regular business hours.
If you have received a text or phone message from the BankIowa Fraud Center regarding a fraudulent debit card transaction(s) , please reply YES or NO. Call 1-855-961-1602 for 24/7 service, please be sure to reference your case# provided in the message. Or, call 800-433-0285 during regular business hours. To order a replacement card call 1-800-433-0285 during regular business hours.
Learn more about our debit card fraud procedures on our Card Support page.
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.