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Connections Club

Join like-minded MidWestOne customers to access special financial savings and discounts and enjoy a variety of social events.

Important Account Changes Coming April 24, 2014.

How to join

If you’d like to join the Connections Club, all you have to do is:

  • Be 50 years of age or better.
  • Open a MidWestOne Bank Connections Club checking account (see below for details.)
  • Maintain a minimum total account relationship of $10,0003 or an average daily account balance of $1,000 or more.

Simply give us a call at 1-800-247-4418 and ask to get connected!

Connections Club details

  • Special Connections Club checking account (see below for details)
  • 2 free boxes of personalized Connections Club checks per year
  • 0.10% bonus rate on Certificates of Deposit (CDs), not including CD specials
  • Discount on safe deposit boxes
  • FREE financial planning consultation
  • Cashier’s checks with no fees
  • No issuance fee on one Prepaid Access card per year
  • Free image statements
  • We’re always planning 4-day trips and overnight excursions. Because there’s more to life than just dollars and cents!

Connections Club checking

Key Features:

Minimum Balance Required to Open:
$1,000.00
Minimum Daily Balance to avoid a monthly service fee:
$1,000.00 or a total relationship3 balance of $10,0002
Monthly Service Fee:
$10.00 if balance requirements are not met2
Check Writing:
Unlimited
Interest Earned:
Yes - Tiered Structure
Online Banking:
Free
Online Bill Pay:
Free4
Check Card or Photo Check Card:
Free
OneCard™ Customized Check Card:
$10.001
Deluxe Provent ID Theft Restoration: $2.00 per month5

ATM Usage Fee:

MidWestOne Owned ATM:
Free
Non-MidWestOne Owned ATM:
5 free withdrawals per statement period. $1.00 per withdrawal after 5.

Statement Types Available:

Secure eStatements:
Free
Non-Image Statements:
Free
Printed Image Statements:
Free

1 Sales tax will apply to these items.

2 There are no monthly maintenance fees if any of the following occur:

  • Maintain a $1,000 average balance or more during the statement period.
  • Maintain the stated amount of total relationship balances.

If your balance falls below these requirements during your statement period there is a monthly maintenance fee of $10.001. 

3 This relationship includes personal checking, savings, certificate of deposits, IRA's and current balance on consumer loans.  Excluding residential real estate loans, demand deposit loans, and Fresh Start loans.

4 There may be fees for certain optional services available through Online Bill Pay.

5 MidWestOne Bank checking account required for payment of fees.

MidWestOne uses the daily balance method to calculate interest on your account.  This method applies a daily periodic rate to the principal 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 (APY) may vary due to the interest rate changes and fees.  Please refer to our published deposit rates for current interest rates and APYs based on designated balance tiers.  The Bank will deem your transactional account inactive if you do not make any deposits to, or withdrawals from, the account for a 12-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.