Credit Card FAQ

• Please log into your Bank Iowa online or mobile banking app and go to Services / Credit Card then choose Card Details. Choose the Order Replacement and follow the prompts.
• If you do not use online banking or mobile banking, please call 866-820-0091 to order a replacement card. You may also call or visit your local bank office to order a replacement card.

Before your credit card expires, we will have already sent you a new card. All you need to do is activate the new card and correctly dispose of your old credit card.

To report fraud on your credit card, please call 866-820-0091. 

If you want to make a dispute on your credit card, please call 866-820-0091.

• Please log into your Bank Iowa online or mobile banking app and go to Services / Credit Card. A disable/enable slide button appears under your card image.
• If you do not use online banking or mobile banking, please call 866-820-0091 to temporarily disable or re-enable your card. You may also call or visit your local bank office to do so.

• Through Bank Iowa online or mobile banking, cardholders can establish customized alerts. Please log into your Bank Iowa online or mobile banking app and go to Services / Credit Card then choose Card Details. Choose the Alerts option and follow the prompts.
• If you do not use online banking or mobile banking, please call 866-820-0091 to get your credit card transaction history.
   

The max number of authorizations allowed in one day is 15.

 The max number of PIN attempts allowed in one day is 4.

The max amount of cash you are allowed to advance on at an ATM per day is $310.

Over the counter cash is maxed out at 10% of your credit limit in one day.

You are allowed to reach 110% of your credit limit.

The annual percentage rate (APR) is the rate of interest charged to your account annually. There is a purchase APR and a cash advance APR.

A balance transfer is the move of some or all the balance (what you owe) from one credit card to another.

A cash advance is the withdrawal of cash at an ATM. To do so you must have your PIN set up and ready. A cash advance has a separate APR from your purchase APR. Your cardmember agreement will detail out your rates.

Your current APR can be found on the second page of your monthly statement.

Using a digital wallet lets you make purchases quickly and conveniently online, in stores, and in apps using your computer, mobile phone or smartwatch without the physical card in-hand.

Your Bank Iowa credit card can be used with the following wallets:
- Apple Pay
- Google Pay (also Fitbit Pay)
- Samsung Pay
- Garmin Pay

Contactless payments use a near-field communication (NFC) antenna to create a secure connection between the credit card and checkout terminal. Tap to pay is when you touch your credit card to a contactless enabled checkout terminal, this creates a secure payment that is sent for authorization.

Yes! Your Bank Iowa credit card is contactless enabled. Your card also has the contactless indicator that looks like a Wi-Fi symbol printed on the front.

Contactless payments are secure, fast, and easy to use. Contactless payments send a onetime security code to securely authorize and complete your payment. These payments are easy and fast to make since all you have to do is tap your card to the checkout terminal to complete your checkout.

Contactless payments are completely safe and secure. Tap to pay uses a onetime security code to securely transmit your payment information. You must be within 1-2 inches of the checkout terminal to complete the payment, meaning you can’t accidentally make a payment.

Digital wallets and contactless payments both use near-field communication (NFC) to complete payments. The difference is that with digital wallets you don’t even need your physical credit card to make payments, all you need is your mobile device. Digital wallets can also help make payments to online merchants much easier than having to type every digit of your card number in.

The cardmember agreement contains information regarding your credit line, interest rates, minimum payments, fees, and lots of other important information. This agreement is a legal document that binds you and Bank Iowa. Your cardmember agreement can be found in the welcome packet that you receive after accepting the Bank Iowa credit card.

The credit limit is the amount of money that Bank Iowa has agreed to loan you. This is the maximum amount you are allowed to advance on in a given statement period.

The available credit is the amount you have left to advance on in a given statement period. This is your maximum credit line amount minus what you have advanced on currently this period.

You can find both APRs on your monthly statement. These variable APRs are based on your creditworthiness and will vary with the market based on the prime rate.

You do not have the ability to use your Bank Iowa credit card for overdraft protection.

• You earn rewards by simply using your credit card. You will receive 2 points per dollar spent. Redeeming your rewards is just as easy. Login to your Bank Iowa Platinum Rewards to view earned rewards and decide how to use them.
• Rewards will expire 2 years from the end of the calendar year they were earned.
• Example: If you earn 50 points on 4/1/2024, they will expire on 12/31/2026.

• You will be prompted to set up a 4 digit PIN while activating your new Bank Iowa credit card.
• You can call 866-820-0091 and select the PIN # option to reset your PIN.

• Online banking
• Mobile banking
• Pay by phone – You can call 866-820-0091 to make a payment by phone. There is a $6 charge for this service.
• Mailed check – You can remit payment via check to:
  Bank Iowa
  P.O. Box 660493
  Dallas, TX 75266-0493

Login to your Bank Iowa online or mobile banking account. Under the settings menu, select statement delivery. Select the eStatement option under the delivery type column. Read and accept Bank Iowa’s eStatement Agreement. Enter or edit both a primary and alternative email address under the address column.

You can set up automatic and recurring payments through the online or mobile banking app.

Yes, a report is pulled to determine credit eligibility.

Bank Iowa offers 2 options for travel.

• Using a travel notification, you provide us with your travel dates and a traveling phone number in the event that we need to contact you during your travel time.
• Using card controls/location, you can provide the location and set up a geofence up to 250 miles around the location. We suggest establishing regions for your home and then add in any travel or vacation destinations.

The rush plastic fee is $50 per plastic.

The paper statement fee is a $3 fee that will be added to your statement. To avoid this fee you must enroll in eStatements. View instructions for enrolling in online and mobile banking.

For every returned check for a payment on your balance is $25.

The foreign transaction fee is 1% of the amount of each cross-border transaction. The fee is applied to the amount after conversion to U.S. dollars.

The pay by phone fee is $6 per call in payment on your statement.