• Personal Banking

  • 	Personal Checking		Personal Savings
    	Personal Loans		Personal Online Services
    	Bank Your Change		Check/ATM/Gift Cards
    	Deposit Rates		Certificates of Deposit
    	Individual Retirement Accounts		International Services
    	Connections Club		Service Fees
    	Telebanc

• Business Banking

  • 	Business Checking		Business Savings
    	Business Loans		Business Online Services
    	Deposit Rates		Debit/Credit Cards
    	Business Services		Automated Clearing House Services
    	Service Fees

• Wealth Management

  • 	Investment & Trust Services		Wealth Preservation
    	Wealth Transfer		Special Assets
    	Investment Management		Trust Glossary
    	Investment Officers		Trust Officers

• Home Loan Center

  • 	Home Loan Center
    	Mortgage Rates & Terms
    	Apply for a Home Loan

• Insurance Services
• Fraud Alerts
•  

Personal Checking

Checking That Fits...YOU!

At MidWestOne Bank, we believe that banking should be an invisible component in your life. By getting to know you and your personal needs, we make your finances work behind the scenes so you can go out and live your life. After all, that's what really matters.

Checking Comparison Chart

*To qualify for Power Rate, you must: 1) complete a minimum of ten check card transactions (excludes ATM and PIN); 2) have Direct Deposit or Automated Clearing House (ACH) auto debit and 3) receive a Secure Statement.
*Refunds up to $25.00 per statement cycle will be made for accrued ATM surcharges paid as well as accrued Non-MidWestOne owned ATM usage fees. Credit is applied on statement cycle date for current month. You must qualify for Power Rate to receive this refund. ATM surcharges greater than $4.99 are not automatically refunded and require the presentation of a receipt for refund.
†Sales tax will apply to these items.
†† There are no monthly maintenance fees if total relationship includes personal checking, savings, CDs, IRAs, as well as current balance on consumer loans. Excludes residential real estate loans, demand deposit loans and Fresh Start Loans.
††† Printed Image Statements are available at a cost of $3.00 plus applicable Iowa State Sales Tax (per account, per statement).

We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the available collected balance in the account each day.

Interest rates are variable and subject to change at the bank's discretion at any time. The annual percentage yield may vary due to the interest rate changes and fees. Please refer to our Deposit Rates Page for current interest rates and annual percentage yields based on designated balance tiers.

MidWestOne Bank will deem your transactional account inactive if you do not make any deposits to, or withdrawals from, the account for a six-month period. An inactive account remains subject to service charges and may be assessed a non-refundable monthly $5 inactivity fee plus applicable sales tax. The statement cycle may also change to semi-annual with June 30 and December 31 statements.

Occasional Overdraft Privilege Service (OOPS!)

With today's fast-paced lifestyles, it's easy to forget little things – like ensuring your checking account is not overdrawn. That's why MidWestOne Bank offers eligible checking customers Occasional Overdraft Privilege Service (OOPS!). There is no monthly fee and you only pay for it as needed. You get the satisfaction of knowing your checking account may be covered if insufficient funds should occur. So live your busy life. We're here for you when things get hectic.

Occasional Overdraft Privilege Service Policy - click here for more info on this service.

Order More Checks

Click here to order checks online. You will be entering a secure customer information site separate from www.midwestone.com. The site will open in a new window. Once you’ve completed your order, simply close the window to return.

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