Choose Your Checking Account
Your checking account should be catered to your unique needs. Whether you’re looking for a basic checking account or an account that allows you to earn interest on your balances while maintaining access to your money, you deserve to choose. At Iowa State Bank, we don’t believe in cookie-cutter checking accounts, so we give you account options to choose from. If you’re looking to open a checking account at Iowa State Bank, please contact us online or visit your local branch office.
And, remember, we offer instant issue debit cards with your checking account. Walk in for an account; walk out with your debit card!
Compare Iowa State Bank Checking Accounts
| Choice Checking | Convenience Checking | e-Checking | Today’s Checking | NOW Checking | Money Market Checking | Student Checking | |
|---|---|---|---|---|---|---|---|
| Perfect for you if… | You want a little more value in a checking account. | You want to keep things simple with your checking account. | You’d rather manage as much of your account as possible online. | You’re 65 or older and/or collecting Social Security. | You can keep a higher account balance and want to be rewarded for it. | You want to earn a premium interest rate on your high account balance. | For students under age 23 |
| Benefits | 2 free boxes of corporate checks per year; unlimited check writing; free money orders; free notary service; and MUCH MORE! | Reduce the clutter in your life as we keep your checks at the bank. | Get electronic bank statements and use your debit card to eliminate the possibility of service charges. | No service charge; unlimited check writing. | Earn a variable rate of interest with a minimum balance; unlimited check writing; check images available. | Your interest rate increases as your balance increases (interest paid monthly). | Get started with your first checking account with eStatements |
| Important things to know | No minimum balance requirement. | Service charge may be eliminated with e-Statements. | No monthly debit card fee. | No minimum balance required. | Minimum balance of $1,000 required. | Minimum balance of $2,500 required. | No debit card fee for students under age 23. |
Smart Banking – Benefits for Our Customers
Smart Banking is a service that rewards you with several benefits. All you need to do is have $15,000 in combined deposits with Iowa State Bank via a checking, savings or certificate of deposit account. Benefits include:
- Earn interest on your checking account with no minimum balance requirement (if your total deposit relationship falls below $15,000, a fee applies).
- FREE Iowa State Bank personalized checks or 20% discount on other check designs.
- FREE debit card.
- No fee for check images, OR we’ll keep your checks, if you prefer!
- Earn a bonus rate on NEW certificates of deposit and exclusive special rate CDs!
- Free stop payments.
- Free overdraft protection transfers from another ISB account.
- Trust and retirement planning services from ISB Trust Department.
*Some restrictions apply to avoid fees. See bank for details.
Overdraft Protection
Keep your checking account robust and avoid potential overdraft fees with these overdraft protection choices:
- Automatic Transfers - Ask how you can arrange for automatic transfers from another Iowa State Bank account to help manage your checking account.
- Instant Credit Checking - Access a personal line of credit to avoid overdrafts with Instant Credit Checking. Ask for an application today!
