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Personal Checking

The chart below provides an overview of all MidWestOne personal checking accounts and their features and services. Choose the checking account that's right for your business and Switch to MidWestOne today.

 

Interest Earned

Minimum Opening Balance

Monthly Service Charge

More Features

POWER CHECKING

Yes - Tiered

$100

$0

Connections Club Checking

For those 50 or Better

Yes - Tiered

$1,000

$10 if balance requirements are not met

Relationship Checking

Yes - Tiered

$1,000

$10 if balance requirements are not met

Free Checking

No

$100

$0

 (1) Daily Balance Method used to calculate interest on account. This method applies a daily periodic rate to the principal balance in the account each day.
(2) 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 for current interest rates and annual percentage yields based on designated balance tiers.
(3) Sales Tax will apply to these items.
(4) 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.
(5) The mobile app is free.  The service is free.  Message and data rates may apply from your wireless carrier.

MidWestOne 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. The statement cycle may also change to semi-annual with June 30 and December 31 statements.