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Free Checking

If all you want are the basics with no monthly service charge, then Free Checking at MidWestOne Bank may be the right solution for you.

Important Account Changes Coming April 24, 2014.

Key Features:

  • Free MidWestOne ATM transactions
  • Unlimited check writing
  • Free Online Banking and Online Bill Pay1
Minimum Balance Required to Open:
Minimum Daily Balance to avoide a monthly service fee:
Monthly Service Fee:
Check Writing:
Interest Earned:
Online Banking:
Online Bill Pay:
Check Card or Photo Check Card:
OneCard™ Customized Check Card:
Deluxe Provent ID Theft Restoration: $2.00 per month3

ATM Usage Fee:

MidWestOne Owned ATM:
Non-MidWestOne Owned ATM:
$1.00 per withdrawal

Statement Types Available:

Secure eStatements:
Non-Image Statements:
Printed Image Statements:
$3.00 per account, per statement

1 There may be fees for certain optional servcies available through Online Bill Pay.

2 Sales tax will apply to these items.

3 MidWestOne Bank checking account is required for payment of fees.

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.