Personal Checking

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Free, Interest-Bearing and Senior Checking Accounts

What you need from your checking account is going to be different than the needs of your neighbor. That’s why Iowa State Bank offers a variety of checking accounts to fit the different stages of your life, including our Free Checking, Regular Checking, ISB Interest-Bearing Account, Senior Citizen Account and more.


Whatever your needs, Iowa State Bank has a checking account for you. Compare our different checking account options and see which one is the best fit for you.

Account Amount to Open Earns Interest Minimum Balance Fees Benefits
Free Checking $100 No None None Debit/ATM cards available, unlimited check writing and available overdraft protection
Regular Checking $100 No None

$1 monthly service charge
$.10 per debit

ATM cards available, debit cards available at no cost, checks returned with statements and available overdraft
Checking 200 $200 No $200 Minimum balance fee of $2.00 a month if the balance falls below $200 on any one day. 2 Free Debit cards
ISB Interest-Bearing
$1,000 Yes, compounded monthly $1,000 $14 fee if account drops below minimum balance ATM/Debit cards available, unlimited check writing and available overdraft protection.
Silver Advantage Account
(62 and older)
$500 No $500 minimum average balance $14 fee if account drops below minimum balance Free checks (basic grey), free photo debit card and overdraft protection available.


Overdraft Protection

Iowa State Bank offers overdraft protection to its customers. This service is a safety net available for when you overdraw on your account. When your account is overdrawn, our system will automatically transfer in $50 minimum increments from the account of your choice to cover the amount. There is a $5 fee for that transfer per day, which is withdrawn from the protected amount.

Open a Checking Account with Iowa State Bank Today

If you want to learn more about one of our checking accounts, or if you want to open an account, stop in at one of our branch offices to speak with one of our personal bankers. You can start the process by filling out this application. If you are coming to Iowa State Bank from another financial institution, we can make the transition easy with our Switch Kit.