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Non-Profit Checking

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Non-Profit Checking

Like for-profit businesses, non-profit organizations need banking services to help manage their finances. Our non-profit checking account doesn’t require a minimum balance and comes with no monthly service charge.

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Standard Features

Standard features
Minimum balance to open$100
Minimum daily balanceNone
Monthly service chargeNone
Limitations200 no fee debits, credits and deposited items per month
Activity fee1$0.30 for each additional debit, credit or deposited item in excess of 200 per month.
Earns interest2,3Tiered and compounded monthly
Earnings creditNo
Business online & mobile bankingNo fee, message and data rates may apply
Business debit cardNo initial set up fee
Withdrawals from MidWestOne-owned ATMsNo fee
Withdrawals from ATMs not owned by MidWestOne1$1/withdrawal
Electronic statementsNo fee


Optional features

Optional features
ACH Manager1,4$3 per file and $0.10 per item in file
Wire Manager1,4$15 per domestic wire; $35 per international wire
Online bill payNo fee
Quick Books integrationNo fee
Remote deposit capture1,4$30 per month (single feed scanner); $45 per month (automatic feed scanner)
Paper statement or paper image statement1$5/statement
Overdraft protectionAvailable, learn more 


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1Sales tax may apply.

2Daily Balance Method used to calculate interest on account. This method applies a daily periodic rate to the principal balance in the account each day.

3Interest 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 for current interest rates and annual percentage yields based on designated balance tiers.

4Subject to credit approval.