Reward Checking
A FREE checking account with better-than-CD rates and FREE ATM usage!

Earn 3.00% APY* on your FREE checking balance plus ATM fee refunds** nationwide when you meet account activity requirements:
10 signature-based debit card transactions
One direct deposit or ACH auto debit
Receive electronic statement

Reward Checking Benefits
It’s completely FREE
Pays interest — earn 3.00% APY* on balances up to $25,000.
_Balances over $25,000 earn 0.50% APY*
Receive automatic refunds on ATM fee refunds nationwide — up to $3 per transaction and up to
   $25 per statement cycle
No minimum balance
FREE debit card
FREE internet banking
FREE online bill pay
Unlimited check writing

What happens if the requirements
are not met during a statement cycle?
You will earn 0.10% APY* on your free checking balance
ATM fees are not reimbursed
_No matter what, you still get:
FREE checking account with interest
FREE Bank Iowa ATM and privileged status ATM use
FREE debit card
FREE online banking and bill pay

*3.00% Annual Percentage Yield (APY) paid on balance between one penny and $25,000, and 0.50% APY paid on all amounts above $25,000 each cycle the minimum requirements are met.  The APY stated is accurate as of 08/12/10.  Rates are subject to change.

**ATM fee refunds nationwide include all transaction fees charged up to $3 per transaction and up to $25 total per statement cycle when using another bank’s ATM. ATM fee refunds are automatic.

No minimum balance required to earn advertised APY, however, you must deposit a minimum of $100 to open the account and meet activity requirements per statement cycle. If you do not meet account activity requirements, your account will still be free, you will earn 0.10% APY interest on your checking balance, but will not receive ATM fee refunds.  Available to consumer accounts for personal use only.