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Business Checking Accounts

Small Business Checking

  • Unlimited check writing
  • Monthly imaged statements or e-statements
  • Free business debit card
  • Free debit card transactions
  • Free 100 items
  • If account exceeds 100 items per statement cycle a $.16 per item fee will be assessed. An item includes deposits, credits, checks paid, debits, ach, and deposited items. Debit card transactions are not counted as an item
  • Iowa state sales tax included in amount quoted
  • If you close your account within 182 days of opening, you will be charged $25.00

Commercial Checking

  • Unlimited check writing
  • An earnings credit is used to offset account analysis service charge
  • Monthly imaged statements or e-statement
  • Monthly analysis statement
  • Free business debit card
  • Free debit card transactions
  • Account Analysis Fee Schedule
    • $8.56 monthly charge
    • $.03 on-us deposit Item
    • $.05 in state deposit item
    • $.07 out of state deposit item
    • $.11 check or electronic debit item
    • Deposit Services
    • Coin-$.05 per roll
    • Currency-$.16 per strap
  • Iowa state sales tax included in amount quoted
  • If you close your account within 182 days of opening, you will be charged $25.00

Business Interest Checking

  • Unlimited check writing
  • Interest compounded daily
  • Interest credited monthly
  • Tiered variable interest rate
    • $0-$2,499.99
    • $2,500-$24,999.99
    • $25,000 +
  • Accounts not meeting minimum balances will be assessed a maintenance charge of $5.35 plus $.17 per debit item in excess of 20 (including checks, ach and ATM) 
  • Iowa state sales tax included in amount quoted
  • If you close your account within 182 days of opening, you will be charged $25.00

Community Checking

Designed for non-profit, civic and community organizations

  • Unlimited check writing
  • First box of checks free
  • Monthly imaged statement or e-statement
  • Interest compounded daily
  • Interest credited monthly
  • Tiered variable interest rate, (interest optional)
    • $0~$9,999.99
    • $10,000 +
  • A below minimum balance fee of $5.35 will be imposed every statement cycle if the balance in the accounts falls below $100.00 any day of the cycle. A per item fee of $.11 will be charged for each debit transaction in excess of 100 during a statement cycle
  • Iowa state sales tax included in amount quoted
  • If you close your account within 182 days of opening, you will be charged $25.00

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