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Checking Accounts

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We offer a variety of checking account options to fit your lifestyle. Whether you are looking to earn interest, have a basic account, or receive money saving discounts, Iowa State Savings Bank has an account for you.

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Platinum Checking

Ideal for those who want to receive exclusive benefits while earning interest on a higher monthly balance

  • No minimum balance
  • $1,000 to open
  • No monthly fee with a balance greater than $1,000 and a $10,000 deposit account relationship balance*
  • Tiered interest rates to reward higher balances
  • Preferred interest rates on CDs
  • Full account management through Mobile & Online Banking Services
  • Free debit card
  • 1 free order of single checks per calendar year
  • Free notary service
  • Access to Bank Club Perks

*$10.00 maintenance fee assessed for balances below $1,000 and/or deposit account relationship balance below $10,000.


Gold Checking

Take advantage of money saving discounts and personal protection benefits with our Gold Checking account

  • No minimum balance
  • $100 to open
  • Accidental Death and Dismemberment insurance coverage included*
  • Tiered interest rates to reward higher balances
  • Full account management through Mobile & Online Banking Services
  • Free debit card
  • 1 free order of single checks per calendar year
  • Free notary service
  • Access to Bank Club Perks
  • Low $7.00 maintenance fee

* Insurance is not FDIC insured and not guaranteed by the bank or any federal government agency.


Freedom Plus

A popular option for people that are growing their balance and financial stability 

  • No minimum balance
  • $500 to open
  • Receive 1 free order of single checks at account opening
  • No monthly fee with a daily minimum balance of $500*
  • Tiered interest rates to reward higher balances
  • Full account management through Mobile & Online Banking Services

*$7.00 maintenance fee assessed if balance falls below $500.


Freedom Checking

A simple account for your busy lifestyle

  • No minimum balance
  • $100 to open
  • Receive 1 free order of single checks at account opening
  • No monthly fee if you are enrolled in eStatements*
  • 50 free debits per month**
  • Free debit card
  • Full account management through Mobile & Online Banking Services

*$3.00 maintenance fee assessed if not enrolled to receive eStatements.

**$0.10 fee per debit in excess of 50 during a statement cycle.


Youth Advantage

A basic account for young adults ages 14 to 23

  • No minimum balance
  • $100 to open
  • Must be between the ages of 14 and 23 to qualify
  • No monthly fees
  • Free debit card
  • Full account management through Mobile & Online Banking Services​

Ready to Switch?

Switching to Iowa State Savings Bank is a breeze with our Switch Kit. Stop by any branch location and let us personally help you make the switch or get started now with our handy switch kit. Make the switch to Iowa State Savings Bank today! 

Ready to Switch Kit

Questions? Connect with our account experts.

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