Personal Banking
Personal Regular Checking
Minimum balance to open - The minimum balance required to open this account is $500.00.
Minimum balance to avoid Per Item Fee - A per item fee of $.20 will be imposed every monthly statement cycle unless you maintain a minimum daily balance of $200.00 for the monthly statement cycle.
Deposit limitations - You may make an unlimited number of deposits into your account.
Additional Terms - The following additional terms apply to this account: All fees are subject to Iowa service tax
Business Regular Checking
Credit against fees - This account features and earnings credit which is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward, or otherwise receive credit for any excess earnings credit.
The earnings credit will be calculated by applying a .10% per $100 dollars average collected balance.
You do not need to maintain any minimum average daily balance during the monthly statement cycle in order to receive the credit.
Minimum balance to open - The minimum balance required to open this account is $500.00.
Deposit limitations - You may make an unlimited number of deposits into your account.
Fees and Charges - The following fees and charges apply to this account:
- Maintenance Fee: $2.00 per monthly statement cycle.
- Per Item Fee: $.10 per debit item.
Additional Terms - The following additional terms apply to this account: All fees are subject to Iowa service tax.
Personal Now Checking
Rate information - At our discretion, we may change the interest rate for this account. The interest rate on this account is 0.030% with an annual percentage of 0.03%.
The interest rate(s) and annual percentage yield(s) are accurate as of May 14, 2015. If you would like more current rate and yield information, please call us at (712)644-2310. The interest rate and annual percentage yield may change at any time.
Compounding frequency - Interest will be compounded monthly.
Crediting frequency - Interest will be credited into this account monthly.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Average daily balance computation method - Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.
Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Minimum balance to open - The minimum balance required to open this account is $1000.00.
Minimum balance to avoid Maintenance Fee - A maintenance fee of $5.00 will be imposed every monthly statement cycle unless you maintain a minimum daily balance of $1,000.00 for the monthly statement cycle.
Minimum balance to avoid Per Item Fee - A per item fee of $.10 will be imposed every monthly statement cycle unless you maintain a minimum daily balance of $1000.00 for the monthly statement cycle.
Deposit limitations - you may make an unlimited number of deposits into your account.
Additional Terms - The following additional terms apply to this account: All fees are subject to Iowa service tax
Personal Super Now Checking
Rate information - At our discretion we may change the interest rate for this account. The interest rate on this account is 0.050% with an annual percentage yield of 0.05%
The interest rate(s) and annual percentage yield(s) are accurate as of April 22, 2014. If you would like more current rate and yield information, please call us at (712)-664-2310. The interest rate and annual percentage yield may change at any time.
Compounding frequency - Interest will be compounded monthly.
Compounding frequency - Interest will be credited into this account monthly.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Average daily balance computation method - Interest is calculated by the daily balance method which applies a periodic rate to the balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.
Accrual of interest on non-cash deposits - Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) to your account.
Minimum balance to open - The minimum balance required to open this account is $2,500.00
Minimum balance to avoid Maintenance Fee - A maintenance fee of $2.00 will be imposed every monthly statement cycle, or a maintenance fee of $5.00 will be imposed every monthly statement cycle unless you maintain a minimum daily balance of $2,500.00 for the monthly statement cycle.
Deposit limitations - You may make an unlimited number of deposits into your account.
Additional Terms - The following additional terms apply to this account: All fees are subject to Iowa service tax.
Personal Statement Savings
Rate information - At our discretion we may change the interest rate for this account. The interest rate on this account is 0.050% with an annual percentage yield of 0.05%
The interest rate(s) and annual percentage yield(s) are accurate as of April 14, 2015. If you would like more current rate and yield information, please call us at (712)-644-2310. The interest rate and annual percentage yield may change at any time.
Compounding frequency - Interest will be credited into this account semi-annually.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on non-cash deposits - Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) to your account.
Minimum balance to open - The minimum balance required to open this account is $100.00
Limitations on frequency of transfers - During any calendar month or statement cycle of four weeks or more, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a pre-authorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.
Fees and Charges - The following fees and charges apply to this account:
Excessive Transaction Fee: $1.00 per withdrawal in excess of 3 during a statement cycle.
Additional Terms - The following additional terms apply to this account: This account requires a minimum balance of $10.00 to remain open.
Personal Money Market Fund
Rate information - At our discretion, we may change the interest rates for this account. Tier 1 - If your daily balance is $50,000.00 or more, the interest rate paid on the entire balance in your account will be 0.100% with an annual percentage yield (APY) of 0.10%. Tier2 - If your daily balance is $25,000.00 or more, but less than or equal to $49,999.99, the interest rate paid on the entire balance in your account will be 0.100% with an annual percentage yield (APY) of 0.10%. Tier 3 - If your daily balance is $10,000.00 or more, but less than or equal to $24,999.99, the interest rate paid on the entire balance in your account will be 0.100% with an annual percentage yield (APY) of 0.10%. Tier 4 - If your daily balance is $5,000.00 or more, but less than or equal to $9,999.99, the interest rate paid on the entire balance in your account will be 0.100% with an annual percentage yield (APY) of 0.10%. Tier 5 - If your daily balance is less than or equal to $4,999.00, the interest rate paid on the entire balance in your account will be 0.07% with an annual percentage yield (APY) of 0.07%.
The interest rate(s) and annual percentage yield(s) are accurate as of April 22, 2014. If you would like more current rate and yield information, please call us at (712)-664-2310. The interest rate and annual percentage yield may change at any time.
Compounding frequency - Interest will be compounded monthly.
Crediting frequency - Interest will be credited into this account monthly.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on non-cash deposits - Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) to your account.
Minimum balance to open - The minimum balance required to open this account is $2,500.00
Minimum balance to avoid Per Item Fee - A per item fee of $0.50 will be imposed every monthly statement cycle unless you maintain a minimum daily balance of $2,500.00 or the monthly statement cycle.
Deposit Limitations - You may make an unlimited number of deposits into your account.
Limitations on frequency of transfers - During any calendar month or statement cycle of four weeks or more, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a pre-authorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.
Additional Terms - The following additional terms apply to this account: All fees are subject to Iowa service tax.
"Your" Checking
Deposit limitations - You may make an unlimited number of deposits into your account.
Fees and Charges - The following fees and charges apply to this account.
- Maintenance Fee: $3.00 maintenance fee will be imposed if all the following criteria are not satisfied: minimum of 10 debit card transactions, online banking, e-statements, minimum of one direct deposit and one preauthorized withdrawal.
Additional Terms - The following additional terms apply to this account: All fees are subject to Iowa Service Tax
HSA - Checking
Rate information - At our discretion, we may change the interest rate for this account. The interest rate on this account is 0.500% with an annual percentage of 0.50%.
The interest rate(s) and annual percentage yield(s) are accurate as of August 16, 2017. If you would like more current rate and yield information, please call us at (712)644-2310. The interest rate and annual percentage yield may change at any time.
Compounding frequency - Interest will be compounded monthly.
Crediting frequency - Interest will be credited into this account monthly.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Average daily balance computation method - Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.
Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Minimum balance to open - The minimum balance required to open this account is $100.00.
Deposit limitations - you may make an unlimited number of deposits into your account. The minimum you can deposit is $25.00.
Fees and Charges - The following fees and charges apply to this account.
- Maintenance Fee: A maintenance fee of $1.00 will be imposed every monthly statement cycle.
Additional Terms - The following additional terms apply to this account: All fees are subject to Iowa Service Tax