• Personal Banking

  • 	Personal Checking		Personal Savings
    	Personal Loans		Personal Online Services
    	Bank Your Change		Check, ATM, & Credit Cards
    	Deposit Rates		Certificates of Deposit
    	Individual Retirement Accounts		International Services
    	Connections Club		Service Fees
    	Telebanc		Switch to MidWestOne

• Business Banking

  • 	Business Checking		Merchant Credit Card Services
    	Business Loans		Business Online Services
    	Business Savings		Remote Deposit Capture
    	Deposit Rates		Automated Clearing House Services
    	Service Fees		Switch to MidWestOne
    	Debit/Credit Cards

• Wealth Management

  • 	Investment & Trust Services		Wealth Preservation
    	Wealth Transfer		Special Assets
    	Investment Management		Trust Glossary
    	Investment Professionals		Trust Officers

• Home Mortgage

  • 	Home Mortgage
    	Mortgage Rates & Terms
    	Apply for a Home Loan

• Insurance Services
• Fraud Alerts
•  

Personal Checking

You’re the One we designed these checking accounts for

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.

The chart below provides an overview of all MidWestOne checking accounts and their features and services. Choose the checking account that's right for you and switch to MidWestOne today!

Checking Comparison Chart

*To qualify for Power Rate each qualification cycle, you must: 1) Have a minimum of ten check card transactions post and clear (excludes ATM and PIN); 2) have Direct Deposit or Automated Clearing House (ACH) auto debit post and clear and 3) receive a Secure Statement.
*Refunds up to $25.00 per qualification cycle will be made for accrued ATM surcharges paid as well as accrued Non-MidWestOne owned ATM usage fees. Credit is applied on first day of next qualification cycle. 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 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 Qualification Cycle and Statement Schedule 2012

Occasional Overdraft Privilege Service (OOPS!)

With all of our busy schedules, it's easy to forget the little things - like monitoring your checking account balance. That's why MidWestOne offers eligible checking customers Occasional Overdraft Privilege Service (OOPS!).

There is no monthly fee and you only pay for it as needed. You know your checking account may be covered if insufficient funds should occur. You're the One we're here to help!

Learn more about our Occasional Overdraft Privilege Service Policy.

Learn more about MidWestOne Bank's Overdraft Service and how to opt-in to Overdraft Service when using your ATM or Check Card.

Order More Checks

Are you out of checks? Click here to order checks online. You will enter a secure 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.

Switch to MidWestOne!