Bank Iowa Visa® Platinum Rewards Credit Card
With the Bank Iowa Visa® Platinum Rewards Credit Card, you'll earn points toward millions of rewards including vacation packages, airline tickets, event tickets, merchandise, gift cards, cash and more! All from a card with a low APR, fraud protection and 24/7 emergency customer service. Apply online.
Bank Iowa understands mistakes can happen. That’s why we offer Overdraft Privilege, a discretionary service available to eligible personal checking accounts to cover your purchases and cash withdrawals up to $500 when you do not have enough money in your account. What this means to you is fewer charges from retailers for insufficient checks and less aggravation and embarrassment.
Our standard overdraft practices
As part of our standard overdraft practices that come with your account, we do authorize and pay overdrafts for the following types of transactions: Checks and other transactions made using your checking account number Automatic bill payments
We will not authorize and pay overdrafts for the following types of transactions unless you opt-in (see below): ATM transactions Everyday debit card transactions
To opt-in for your ATM and everyday debit card transactions to be covered by overdraft protection, contact us and be sure to include your name and account number in your message.
Under our standard overdraft practices, we will charge you a fee of up to $27.50 each time we pay an overdraft. We will charge up to six fees each day for overdrawing your account.
Overdraft Privilege is a discretionary service and does not guarantee all overdrafts will be covered. If you maintain your eligible account in good standing, rather than automatically returning unpaid any non-sufficient funds items that you may have, we will consider, without obligations on our part, payment of your reasonable overdrafts.
In addition to our Overdraft Privilege, Bank Iowa also offers Overdraft Protection. Overdraft Protection is line of credit tied directly to your checking account in an amount approved by a loan officer. Unlike Overdraft Privilege, when Overdraft Protection is used, you are not charged an NSF for each item that clears in excess of your current balance. Instead, the covering funds are applied to your checking account while the outstanding balance accrues interest until paid back to zero.
For more information or to apply for Overdraft Protection, please contact us.
Other overdraft protection options
We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. Contact us to learn more.
Safe Deposit Boxes
Protect your important documents and valuables with a safe deposit box. Items you should consider storing in a safe deposit box include a copy of your will, stock and bond certificates, insurance policies, titles to your house and cars, marriage license, birth certificates, expensive jewelry and family heirlooms.
Available in the following sizes at our Altoona and West Des Moines locations:
3x5 – $20 (available only in Altoona)
3x10 – $35
5x10 – $45 (available only in West Des Moines)
10x10 – $70
If you are unable to make it to the bank during business hours, a 24-hour night depository (night drop) is available. Transactions will be completed the next business day.
Money Orders and Cashier's Checks
Money orders and cashier's checks are safe, convenient, easily accepted and provide receipt of payment. Money orders can be purchased for $3 each and cashier's checks for $4 each.
Domestic and international wire transfer services are available for outgoing or incoming wires. Please contact us for information regarding costs and instructions for sending and receiving wires.
Visa TravelMoney Cards
The perfect travel companion, TravelMoney cards provide protection and security, with Zero Liability Protection, 90-day purchase protection, travel and emergency assistance and lost luggage reimbursement. Accepted worldwide wherever you see the Visa logo. Available for $8 each.
Always the perfect gift for any occasion. Available for $3 each and can be purchased in any amount up to $500.
Obtain a notarized signature at any Bank Iowa location, available free to Bank Iowa customers.
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