Which Checking Account is Right For You?

 

Bank Iowa offers several checking account options with no monthly maintenance fees. Compare your choices and sign up online today in as little as 30 minutes.

 

 

 CHECKING ACCOUNTS

OVERVIEW

MINIMUM OPENING DEPOSIT

MONTHLY SERVICE CHARGE

MINIMUM BALANCE REQUIRED

INTEREST EARNING OR REWARDS

 STATEMENT OPTIONS
$ensible Checking
  A rewards account that pays you for using your debit card and banking online $10 $0 $100 to earn cash back Earn 10 cents for each PIN or signature-based debit card purchase when qualifications are met* eStatement only
Freebird Checking
 No maintenance fee checking**  $10 $0 $0 No eStatement only

 

 

Looking for additional checking options? Visit our personal checking page to view all of Bank Iowa's checking accounts.

 

$ensible Checking Overview

 

nullIf you're looking to be rewarded when you spend, $ensible Checking from Bank Iowa may be the perfect fit. You'll earn cash back at $0.10 per qualifying debit card transaction. With just a few qualifications, you'll be on your way to earning rewards!

 

SIGN UP ONLINE

 

Additional features include:
  • No monthly service charge
  • Free ATM/debit card
  • Free online, mobile and text banking
  • Free bill pay
  • Complimentary identity theft services
  • Surcharge-free access to over 3,300 ATMs nationwide via the SHAZAM Privileged Status Network
  • Check images included with every statement
 
To qualify for debit card cash back, you must meet the following qualifications*:
  • Maintain a minimum balance of $100 each day in the statement cycle.*
  • Log in to your Bank Iowa online or mobile banking account at least once during each statement cycle.*
  • Have a Bank Iowa Mastercard debit card.
  • Enroll in and receive eStatements.
 

*If you meet the qualifications above, you will receive $.10 cash back for each PIN or signature-based debit card purchase that posts and clears your account during the statement cycle. ATM withdrawals do not count as qualifying debit card purchases for purposes of earning debit card cash back with this account. Statement cycle means the interval of days between statements. A new statement cycle begins the day after we print or otherwise provide your monthly account statement and ends on the day we print or otherwise provide your monthly account statement. The first statement cycle begins the day you open this account. $ensible Checking accounts cycle on the 5th of the month.

 

FreeBird Checking Overview

 

nullFree yourself from additional fees with a Freebird Checking account from Bank Iowa. The average consumer spends $167 per year on monthly maintenance fees for personal bank accounts. With FreeBird Checking, you'll spend $0 per year on maintenance fees. Are you ready to make the switch to Bank Iowa?

SIGN UP ONLINE

 

Features include:

  • Opening balance requirement of $10
  • No minimum balance requirement
  • No monthly service charge or maintenance fee
  • No transaction limitations
  • eStatements required
  • No additional fees**

 

Additional features include:

  • Free Online banking
  • Mobile deposit
  • Free mobile and text banking
  • Free bill pay
  • eStatements
  • Free debit card
  • Free identity theft services

**Even with a free account, fees may be imposed for overdrawing the account.