Checking
RETAIL PRODUCTS & SERVICES BROCHURE
Download Checking Application
First Choice Free Checking
|
-
$100 minimum deposit to open
-
NO minimum balance to maintain
-
NO monthly service charges
-
Unlimited check writing
-
Statement only
-
Overdraft Privilege available
-
ATM/Debit Card available with no annual fees
-
Free on-line banking
|
|
First Choice Imaged Checking
Receive check images with monthly statement.
|
- $100 minimum deposit to open
- NO minimum balance to maintain
- Monthly fee of $5.00* for check images returned
- Unlimited check writing
- Statement plus check images
- Overdraft Privilege available
- ATM/Debit Card available with no annual fees
- Free on-line banking
|
|
Ultimate Choice Club Account
|
- $100 minimum deposit to open
- Ultimate Choice interest rate based on daily balance.
- NO minimum balance to maintain
- Interest compounded monthly
- Free personalized Ultimate Choice Club checks
- Unlimited check writing
- Accidental Death and Dismemberment Insurance Coverage #
- Discount on safe deposit box
- NO charge for Standard Traveler's Checks (Fee charged for specialty products)
- NO charge for Money Orders
- Special discounts on Iowa attractions and travel
- Monthly fees for statement only: $6.00* Basic plan, $7.50* Family plan, $4.00* Senior (age 62+)
- Monthly fees for statement plus return of check images: $7.50* Basic plan, $9.00* Family plan, $5.00* Senior (age 62+)
- Overdraft Privilege available
- ATM/Debit Card available with no annual fees
- Free on-line banking
|
|
NOW Account Checking
For the individual who carries a qualifying balance and wants to earn interest on their checking dollars.
|
- $100 minimum deposit to open
- NOW account interest rate tiers based on daily balance
- Interest compounded monthly
- Unlimited check writing
- Check images returned
- NO Fee with $250 average daily balance per cycle; if below $250 average daily balance, $7.50 fee per cycle *
- Prestige Club membership option; No fees for qualified members
- Overdraft Privilege available
- ATM/Debit Card available with no annual fees
- Free on-line banking
|
* Subject to applicable sales tax
# Insurance products are not FDIC insured; not insured by any Federal Government Agency; not a deposit; not guaranteed by the bank.
| Download Checking Application |
| Important Information about Procedures for Opening a New Account - Our bank complies with Section 326 of the USA PATRIOT Act. This law mandates that we verify certain information about you while processing your account application. |
|
CHECKING ACCOUNTS
|
ULTIMATE
CHOICE
CLUB
ACCOUNT |
No minimum
balance to
maintain |
|
MONTHLY FEES:
|
|
Check Images
Returned
|
Statement
only
|
| |
| Basic |
$7.50* |
$6.00* |
| Family |
$9.00* |
$7.50* |
| Senior |
$7.00* |
$4.00* |
|
• $100 min deposit to open
• Ultimate Choice interest rate-based on daily balance
• Interest compounded monthly
• Club checks, NO CHARGE
• AD&D insurance #
• Senior = Age 62+
• Unlimited check writing
• Discounts on safe deposit box, travelers checks, IA travel and more
• Statement Only option |
|
NOW
ACCOUNT |
Maintain $250 average daily balance per cycle to avoid $7.50 monthly fee* |
|
MONTHLY FEES:
|
|
>$250 avg daily bal, NO FEE
|
<$250 avg daily bal, $7.50
per cycle* |
|
• $100 min deposit to open
• NOW account interest rate tiers based on daily balance
• Interest compounded monthly
• Unlimited check writing
• Prestige Club option
• Check images returned |
|
| FIRST CHOICE |
No minimum balance to maintain |
|
MONTHLY FEES:
|
|
Statement only: NO FEE
|
| Check Images Returned, $5.00 per cycle* |
|
• $100 min deposit to open
• No interest paid
• 1st TEAM option: electronic transactions only
• Unlimited check writing
• Check Images Returned option
• Statement Only option
|
|
Other account
options: |
• On-Line Banking |
• ATM Card |
• Shazam® Chek/Debit Card |
• Overdraft Privilege |
| • Combined Statement: Monthly savings and checking statement |
• Overdraft Protection |
|
*Subject to applicable sales tax
Personal Check Reorder 
