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. 
 
Overdraft Privilege 
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
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    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
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    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. 
     
    Please read our Overdraft Privilege Policy for more information or 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.  
     
    Christmas Club 
    Save all year long for the holiday season with Bank Iowa’s Christmas Club Account. Convenient and easy, you’ll earn a great interest rate while controlling how much to deposit and when. Contact us for more details.  
     
    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 with corresponding yearly rental rates: 
     
    3x5 – $20 
    5x5 – $25 
    3x10 – $35 
    5x10 – $45 
    10x10 – $70 
     
    Night Depository 
    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.  
     
    Wire Transfers 
    Domestic and international wire transfer services are available for outgoing or incoming wires. Fees vary based on the sending and receiving destination. 
     
    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. Available for $8 each and can be purchased in any amount from $10 to $2,500. These cards are accepted worldwide wherever you see the Visa logo and can be reloaded. 
     
    Gift Cards 
    Always the perfect gift for any occasion. Available for $3 each and can be purchased in any amount from $10 to $500. 
     
    Notary 
    Obtain a notarized signature at any Bank Iowa location, available free to Bank Iowa customers. 
     
    Time and Temp 
    Phone 712.542.2111 for the current time and outdoor temperature. We are happy to put community service messages on Time and Temp free of charge. 
     


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