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Checking Accounts

Home Personal Checking Accounts

Find the Right Account for You!

Your checking and savings accounts should fit your lifestyle. We offer numerous checking options to help you find the perfect fit!

Checking Accounts

Compare Accounts View Disclosures  Kasasa Monthly Qualification Calendar

Personal Checks Reorder

 

Kasasa® Cash Checking

Enjoy free checking that pays you in really high interest rates, plus get refunds on ATM fees nationwide*

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Kasasa Cash Back® Checking

Get more from shopping than just a receipt — this free account earns you cash back on debit cards purchases.

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DDA Personal

A simple, low-cost account designed for people who want economy and unlimited check writing.

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NOW Account

Our interest-bearing account designed for those who maintain a higher balance and want to earn interest.

Learn More

NOW Account for Seniors

Designed for individuals aged 62+ with extra advantages at no extra cost!

Learn More

 

Kasasa Checking Accounts

Personal Checking
 Kasasa Cash® 
 
Kasasa Cash back® 
Fees and requirements

Monthly Service Charge: FREE

Minimum Balance: $0

Minimum Deposit to Open: $1.00

Monthly Service Charge: FREE

Minimum Balance: $0

Minimum Deposit to Open: $1.00

 

APY & Interest

Earn 3.30% APY* on balances up to $25,000.

Balances over $25,000 earn 0.50% interest rate on the portion of the balance over $25,000, resulting in 3.30% APY - 1.05% APY depending on the balance.

If qualifications are not met on Kasasa Cash, all balances earn 0.10% APY.

None 
Features

Refunds on ATM fees nationwide*

Mobile Banking

Free Debit Card

Free Online Banking and Bill pay

Free eStatements

2.75% cash back up to $5.50 per month*

Refunds on ATM fees nationwide*

Mobile Banking

Free Debit Card

Free Online Banking and Bill pay

Free eStatements

 

Additional Qualifications,
Limitations,
and Other
Information

Have at least 10 debit card purchases post and settle (ATM withdrawals do not count). 

Have at least 1 automatic payment (ACH), or direct deposit post and settle.

Be enrolled and review eStatement notice

Have at least 10 debit card purchases post and settle (ATM withdrawals do not count).

Have at least 1 automatic payment (ACH), or direct deposit post and settle.

Be enrolled and review eStatement notice

 

 

 

Learn MoreCycle Calendar

Learn MoreCycle Calendar

 

 

Basic Checking Options

Premier Checking Options
 dda PERSONALNOW AccountNOW Account for Seniors
Fees and requirements

Monthly Service Charge: FREE

Minimum Balance: $1.00

Minimum deposit to open: $0

Monthly Balance Fee: $7.50 and a $0.20 per debit item if minimum is not maintained*.

Minimum Balance: $500 

Minimum deposit to open: $0 

Monthly Service Charge: FREE

Minimum Balance: $0

Minimum deposit to open: $0

APY & InterestNoneSee Bank Representative for rates. 
Rate is variable and paid monthly.
See Bank Representative for rates. Rate is variable and paid monthly.
Features 

Unlimited check writing

Mobile Banking

Free Debit Card 

Free Online Banking

Free eStatements 

Unlimited check writing

Mobile Banking

Free Debit Card 

Free Online Banking

Free eStatements 

Unlimited check writing

Mobile Banking

Free Debit Card 

Free Online Banking

Free eStatements 

 

Additional
Qualifications,
Limitations,
and Other
Information

Dormant Fee: A $5/month fee* is charged for a dormant account (only for accounts with balances below $1,000).

 

A fee of $2.00 for paper images per month will be charged*.

 

*plus sales tax

Dormant Fee: A $5/month fee* is charged for a dormant account (only for accounts with balances below $1,000).

 

A fee of $2.00 for paper images per month will be charged*.

 

*plus sales tax

Dormant Fee: A $5/month fee* is charged for a dormant account (only for accounts with balances below $1,000).

 

Must be 62 years of age.

 

A fee of $2.00 for paper images per month will be charged*.

 

*plus sales tax

 Call to learn more, or stop by to open your Regular Checking account today!Call to learn more, or stop by to open your NOW Account today!Call to learn more, or stop by to open your NOW Account today!

 

Kasasa Cash:

*APY=Annual Percentage Yield. APYs accurate as of 4/11/2023. Rates may change after account is opened. Minimum to open is $1.00. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle. ATM refunds are automatically transferred to Kasasa Saver each statement cycle. (2) Balances up to $25,000 receive APY of 3.30%; and (3) balances over $25,000 earn 0.50% interest rate on the portion of the balance over $25,000, resulting in 3.30% APY – 1.05% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances earn 0.10% APY. Qualifying transactions must post to and settle to your Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count toward qualifying debit card transactions. This account is intended to be the account holder's primary checking account in which automatic deposit/withdrawals and day-to-day spending activities occur. This includes, but is not limited to: grocery, gasoline, apparel, shopping, dining, and entertainment transactions. Commensurate with the spending activities identified above, we expect the accounts debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal day-to-day spending behavior. These type of transactions appear to be conducted with the sole purpose of qualifying for the accounts rewards and thus will be deemed inappropriate, and transactions and will not count toward earning the account's rewards. Iowa State Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Account holders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their account converted to a different account or closed. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.  

Kasasa Cash Back: Minimum to open is $1.00. When monthly qualifications are met, you receive 2.75% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $5.50 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count toward qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 if qualifications are met within monthly qualification cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Member FDIC. Kasasa, Kasasa Cash, and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

 


 

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