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Checking

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Choose Your Checking

Because everyone has different spending habits and goals, we provide three options for your personal checking account:

Comparison table of personal checking accounts
  DDA Checking NOW Checking Money Market Platinum  Money Market Plus
Account description A free checking account with no minimum balance requirements A checking account for anyone looking to earn interest on balances of at least $100 A premium account that earns our best interest rate but limits transactions. An account that earns a higher rate of interest but limits transactions
Minimum amount to open $50 $100 $100,000 $1,000
Minimum balance None $100 (to avoid fee) $5,000 $500 (to avoid fee)
Fee None $5 per cycle if balance falls below minimum requirement None $5 per cycle if balance falls below minimum requirement
Interest earning   Yes Yes Yes
Unlimited check writing Yes Yes Transfers by preauthorized, automatic, telephone or computer limited to 6 per monthly cycle Transfers by preauthorized, automatic, telephone or computer limited to 6 per monthly cycle
Free debit card Yes Yes Yes Yes
Online Banking Yes Yes Yes Yes
Mobile Banking with mobile deposit Yes Yes Yes Yes
eStatements Yes Yes Yes Yes
Online Bill Pay Yes Yes Yes Yes
Overdraft protection eligibility Yes Yes Yes Yes

 

Current Checking Interest Rates

Current Rates

Checking Account FAQ

What do I need to open a checking account?

For all new accounts, a valid, current identification, such as a driver’s license, state ID card or U.S. passport, is needed. We also need a second form of ID, such as Social Security or ITIN card. In some cases, we will also request address verification. A minimum opening deposit is required for all checking and savings accounts.

How can I find out if a check has cleared, what my balance is or the amount of my direct deposit?

Online Banking customers will always have access to this information by logging into their accounts. Other customers may contact us, and we’ll assist with these questions.

How can I add or remove someone from my checking account?

To add an owner, stop in anytime and see a Customer Service Representative.

To remove an owner, stop in anytime and see a Customer Service Representative to close the account and open a new one with your new ownership preferences.

What is the cutoff time for deposits?

Any transactions made before 5 p.m. will be processed the same business day. Transactions made after 5 p.m. will be processed on the next business day, and those made on Saturday at the drive-up will be processed the next business day.

How do I place a stop payment on an item?

A stop payment can be placed by coming into any of our locations and signing a stop payment form. There is a fee of $30 (plus tax) for a stop payment.

Can I receive my bank statement electronically?

Yes, you can enroll for eStatements through Online Banking.

How safe is my checking account?

Learn more about how FDIC insurance protects your deposits up to $250,000.

Emily Ely
Emily Ely Operations Supervisor Webster City
Kya Askvig
Kya L. Askvig Customer Service Representative Webster City
Sandra Carlson-Medina
Sandra Carlson-Medina Customer Service Representative Webster City
Jenn Thiessen
Jenn Thiessen Asst. Vice President/Customer Support Tama
Lesa Haughey
Lesa Haughey Customer Service Tama (641) 484-2079 NMLS ID: 1958636
Jill Price
Jill N. Price Loan Processor Independence
Jackie Reiff
Jackie A. Reiff Commercial Loan Processor Independence
Gwen Upah
Gwen Upah Customer Support Tama

Get Started with Your Account

Physical Address

Mailing Address

Same as physical address

Driver’s License

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