Personal Checking

Checking That Fits...YOU!

At MidWestOne Bank, we believe that banking should be an invisible component in your life. By getting to know you and your personal needs, we make your finances work behind the scenes so you can go out and live your life. After all, that's what really matters.

Checking Comparison Chart

Services Power Checking* Free Checking Relationship Checking Connections Club
(Must be age 50 or older)
Minimum Balance Required to Open
$100
$100
$1,000
$1,000
Minimum Daily Balance
$0
$0
$1,000 average daily balance or $25,000 total relationship††
$1,000 average daily balance or $10,000 total relationship††
Monthly Service Fees†
None
$0
$10 if Balance Requirements are Not Met††
$10 if Minimum Daily Balance is Not Met††
Check Writing
Unlimited
Unlimited
Unlimited
Unlimited
Interest Earned and Compounded Monthly

Yes

(Interest
Tiers are
$0-$25,000 and
$25,000.01+)
No
Yes
Tiered
Yes
Tiered
Online Banking & Bill Pay
FREE and Required
FREE
FREE
FREE
MidWestOne Check Card™
FREE
FREE
FREE
FREE
Photo Check Card†
FREE
FREE
FREE
FREE
 

For more info please click here

     

ATM Usage Fee† Comparison Chart
MidWestOne Owned ATM
Unlimited FREE Withdrawals
Unlimited FREE Withdrawals
Unlimited FREE Withdrawals
Unlimited FREE Withdrawals
Non-MidWestOne Owned ATM
ATM fee refunds nationwide (Up to $25 per cycle if power rate requirements are met)
$1.00/withdrawal
5 free withdrawals per statement period. ($1.00 each after 5)
5 free withdrawals per statement period. ($1.00 each after 5)

Statement Types Available
Non Image Statement
N/A
FREE
FREE
FREE
Secure Statement (online)
FREE and Required
FREE
FREE
FREE
Printed Image Statement
N/A
Available†††
Available†††
Available

*To qualify for Power Rate, you must: 1) complete a minimum of ten check card transactions (excludes ATM and PIN); 2) have Direct Deposit or Automated Clearing House (ACH) auto debit and 3) receive a Secure Statement.
*Refunds up to $25.00 per statement cycle will be made for accrued ATM surcharges paid as well as accrued Non-MidWestOne owned ATM usage fees. Credit is applied on statement cycle date for current month. You must qualify for Power Rate to receive this refund. ATM surcharges greater than $4.99 are not automatically refunded and require the presentation of a receipt for refund.
†Sales tax will apply to these items.
†† There are no monthly maintenance fees if total relationship includes personal checking, savings, CDs, IRAs, as well as current balance on consumer loans. Excludes residential real estate loans, demand deposit loans and Fresh Start Loans.
††† Printed Image Statements are available at a cost of $3.00 plus applicable Iowa State Sales Tax (per account, per statement).

We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the available collected balance 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 may vary due to the interest rate changes and fees. Please refer to our Deposit Rates Page for current interest rates and annual percentage yields based on designated balance tiers.

MidWestOne Bank will deem your transactional account inactive if you do not make any deposits to, or withdrawals from, the account for a twelve-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.

Power Checking Statement Schedule

Occasional Overdraft Privilege Service (OOPS!)

With today's fast-paced lifestyles, it's easy to forget little things – like ensuring your checking account is not overdrawn. That's why MidWestOne Bank offers eligible checking customers Occasional Overdraft Privilege Service (OOPS!). There is no monthly fee and you only pay for it as needed. You get the satisfaction of knowing your checking account may be covered if insufficient funds should occur. So live your busy life. We're here for you when things get hectic.

Occasional Overdraft Privilege Service Policy - click here for more info on this service.

Order More Checks

Click here to order checks online. You will be entering a secure customer information site separate from www.midwestone.com. The site will open in a new window. Once you’ve completed your order, simply close the window to return.

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