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Checking Services

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Regular Checking

  • $200.00 minimum daily checking account balance or $1,000.00 minimum average daily balance required per monthly statement cycle to avoid minimum balance fee
  • If minimum account balance is not maintained...
    • $5.00 minimum balance fee
    • $  .15 per debit fee
  • Minimum account balance fee is reduced to $2.00 per statement for students (22 and under) and seniors (62 and older)
  • Non-Profit Organization - one free account per organization. Non-profit organizations will not be charged a minimum balance fee or a per debit fee.  
  • Debit card is available, subject to approval
  • Free online banking
  • Free mobile banking
  • Free check images in online banking
  • Free e-mail statements
  • Free 24-hour telephone banking
  • All fees subject to Iowa state sales tax at our Buffalo Center, Lakota, Britt, and Lake Mills, IA offices. Sales tax is not applicable at our Bricelyn, MN office.

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Free Checking:

  • No minimum checking account balance
  • Minimum deposit to open is $.01
  • No per check charge
  • No monthly service charge
  • Free debit card
  • Free online banking
  • Free mobile banking
  • Free e-statements with images, required with this account
  • Free 24-hour telephone banking
  • Unlimited check writing
  • First box of checks free

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Bonus Club Checking:

  • No minimum balance requirements
  • Unlimited check writing
  • Two free boxes of standard basic checks provided annually
  • No issuing charge for money orders
  • Reduced rates on safe deposit boxes
  • Notary service
  • Fax service & photocopies
  • $10,000 basic accidental death insurance coverage*
  • Shopping rewards & grocery coupons
  • Travel savings & vacation packages
  • Prescription drug & eyewear discounts
  • Identity Theft 911
  • Free online banking
  • Free mobile banking
  • Free check imaging in online banking
  • Free e-mail statements
  • Free 24-hour telephone banking
  • All fees subject to Iowa state sales tax at our Buffalo Center, Lakota, Britt, and Lake Mills, IA offices. Sales tax is not applicable at our Bricelyn, MN office.

Member coverage divided equally on joint account. Monthly charge of $8.00 per month for Bonus Club Checking account.         

*Insurance products or annuity contracts are:

  • NOT A DEPOSIT
  • NOT FDIC INSURED
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
  • NOT GUARANTEED BY THE BANK
  • MAY GO DOWN IN VALUE

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Super NOW Checking:

  • Interest bearing checking account
  • $500.00 minimum daily checking account balance or $1,000.00 minimum average daily balance required per statement cycle to avoid minimum balance fee
  • If minimum balance is not maintained
    • $8.00 minimum balance fee
    • $  .15 per debit fee
  • Daily balance method used to calculate interest
  • Debit card is available, subject to approval
  • Free online banking
  • Free mobile banking
  • Free check images in online banking
  • Free e-mail statements
  • Free 24-hour telephone banking
  • All fees subject to Iowa state sales tax at our Buffalo Center, Lakota, Britt, and Lake Mills, IA offices. Sales tax is not applicable at our Bricelyn, MN office.

Request More Information>>

Veterans Honor Checking:

  • For Veterans and/or their Spouses
  • $100 opening balance
  • Must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield
  • No monthly service charge 
  • Interest bearing 
  • Free patriotic flag debit card, subject to approval
  • First box of specially designed checks free, $5.00 off thereafter 
  • Unlimited check writing 
  • No per check charge 
  • Free paper monthly statements 
  • Earn .15% above our posted CD rates
  • A donation of $10 will be made to your choice of the VFW, American Legion, Auxiliary, Iowa Veterans Trust Fund, or the Veterans Honor Flight fundraiser
  • $2.00 donation per $1,000 average Veterans Honor Checking balance calculated through out the year will be given to the same organization after each calendar year
  • Free online banking
  • Free mobile banking
  • Free check imaging in online banking
  • Free 24-hour telephone banking
  • Provides indentity theft insurance
  • $5.00 off annual fee for a safety deposit box 
  • BONUS: Free identity theft insurance of $5,000 per account* 

*Insurance products or annuity contracts are:

  • NOT A DEPOSIT
  • NOT FDIC INSURED
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
  • NOT GUARANTEED BY THE BANK
  • MAY GO DOWN IN VALUE

Request More Information>>

Business Checking:

  • $200.00 minimum daily balance or $1,000.00 minimum average daily balance required per statement cycle to avoid service charge
  • If minimum balance is not maintained...
    • $5.00 minimum balance fee per statement, and
    • $  .15 per debit fee 
  • Debit card is available, subject to approval
  • Minimum account balance fee is reduced to $2.00 per statement for students (22 and under), seniors (62 and older) and non-profit organizations
  • Non-Profit Organization - one free account per organization
  • Free online Banking
  • Free mobile Banking
  • Free check Imaging
  • Free 24-hour telephone banking
  • All fees subject to Iowa state sales tax at our Buffalo Center, Lakota, Britt, and Lake Mills, IA offices. Sales tax is not applicable at our Bricelyn, MN office.

Request More Information>>

The Bank reserves the right to impose an analysis fee in addition to the minimum account balance fee. The analysis fee will be determined by utilizing an internal account analysis as developed by the Bank. The Bank will notify the customer of its intentions sixty days prior to imposing the analysis fee.