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Relationship Checking


Relationship Checking
Minimum balance to open
Minimum daily balance
$1,000.00 or a total relationship4 balance of $25,000.00
Monthly service charge3
$10.00 if balance requirements are not met
Paper Statement Fee3
Paper Image Statement Fee3
Earns Interest1,2
Yes - Tiered Rate Structure
No initial setup fee
$10.00 initial setup fee
MidWestOne-owned ATM withdrawals
Non-MidWestOne-owned ATM withdrawals
5 free withdrawals per statement cycle.  $1.00/withdrawal after 5.

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