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Personal Checking

Overwhelmed by the Personal Checking Account choices? Don’t worry! The chart below provides an overview of all MidWestOne personal checking accounts and their features and services.  You can also review our Checking Account Calculator to see which account may best suit your banking needs.

And if you’re still not sure, please give us a call so we can help you choose the option that’s exactly right for your needs.

When you’re ready to change your account over to MidWestOne, we make that as straightforward as possible too, with our Easy Switch Kit.  One, two, three – done! OK, maybe not quite THAT easy, but certainly easier than you expect.







(for those 55 years or better)





Interest earned1,2


Yes — Tiered Yes — Tiered Yes — Tiered No

Minimum opening balance


$100 $1,000 $1,000 $100

Monthly service charge


$0 $10 if balance requirements are not met $10 if balance requirements are not met $0

Free online banking


Free online bill pay


Free mobile banking5


free Mobile Deposit5


up to $15 in ATM fee refunds per qualification cycle6


$18 annual discount on safe deposit box


travel opportunities & More!


free secure





(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, certificates of deposit, IRAs and current balance on consumer loans.  Excludes 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.

(6) To qualify, Power requirements must be met per qualification cycle.  ATM surcharges greater than $4.99 are not automatically refunded and require the presentation of a receipt for a refund.

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