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Frequently Asked Questions
July 31, 2015

Frequently Asked Questions

How soon are my funds available after deposit?

The Funds Availability Policy makes $200 of funds from your cash or check deposit available to you on the first business day after the day we receive your deposit.

What is an automatic payment and how do I make one?

An automatic payment is a debit or credit made through an electronic system. A business can automatically deduct a payment from your account, if they have the capability. To send an electronic payment you may use our Bill Pay Service through the Iowa State Bank Internet Banking.

What happens if I forget my online password?

Contact a personal banker to have your password reset.

How does a debit card differ from a credit card?

A debit card access funds in a checking account. A credit card borrows money that you pay back.

What if I lose my debit card?

If you lose your debit card, contact the bank right away.
Phone: 641-472-3161

How do I stop payment on a check?

Contact a personal banker to stop payment on a check. An oral stop payment lasts for 2 weeks. A signed stop payment last for 6 months.

Which ATMs can I use without being charged a fee?

Iowa State Bank does not charge you for using a non-owned ISB machines. ISB belongs to the Shazam Privilege program, which means you are allowed to use these machines for free. Go to www.shazam.net for a listing of machines.

What type of overdraft protection does Iowa State Bank offer?

A checking account can have overdraft protection from another checking or savings account at Iowa State Bank or you may apply for a reserve loan that accrues interest daily on the amount outstanding.

Can I exchange/obtain foreign currency at Iowa State Bank?

Foreign currency can be purchased or cashed through Iowa State Bank. The fee is $40 per currency type and can take 2 - 3 weeks for processing.

Who should I notify if I plan to use my debit card abroad?

Iowa State Bank blocks all countries outside the US for ATM and Debit cards usage. Please contact a personal banker to have the specific countries unblocked if you plan on traveling or making purchases in a foreign country.

July 31, 2015

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Iowa State Bank and Trust Company has implemented a "Customer Identification" program in compliance with the USA Patriot Act passed by the United States Government to help prevent
identity theft and fraud. You will be asked for proper identification when becoming a customer of the bank. In addition, the bank may ask for official documents and may use a third party to
verify your identity.