Which MWO Checking Account is Right For You?

MidWestOne Bank offers a variety of checking accounts to meet the needs of our customers. Whether you're looking for a free account with no monthly service charge, an account that earns interest, or one that offers ATM fee refunds, there is a MidWestOne checking account that is right for you.

MidWestOne Personal Checking Accounts

Here is a more detailed overview of each MidWestOne checking account to help you choose the one that is best for you:

Power Checking

MidWestOne Bank's Power Checking account is our most popular checking account. Our Power Checking highlights include:

• $25 minimum open balance

• No minimum daily balance

• No monthly service charge

• Free Digital Banking Services

Our customers enjoy special Power Checking rates when all qualifications are met^1,2.

Here are some additional tips for getting the most out of your Power Checking account:

• Enroll in eStatements³
• Make use of your debit card – To get the Power Checking benefits, you need to make 15 debit card purchases per month.
• Set up direct deposit – Power checking requires one direct deposit per month to qualify for additional benefits

By meeting the qualifications, you’ll get extra benefits such as:

• Earn a higher interest on your money
• ATM fee refunds

Who Should Consider Power Checking?

Power Checking is a good option for customers who are looking for a checking account that offers rewards and benefits, regularly use their debit card and have regular direct deposits.

Free Checking

MidWestOne Bank's Free Checking account offers all of the basic features that you need to manage your money. Take a closer look at our Free Checking account:

• $25 minimum deposit
• No minimum balance requirement
• No monthly service charge
• Free Digital Banking Services

Free Checking is a good option for customers who are new to banking, or who are simply looking for a no-frills checking account.

Here are some additional tips for getting the most out of your Free Checking account:

• Use online banking to check balances, deposit checks, pay your bills, transfer money and more!
• Take advantage of the free ATM withdrawals at MidWestOne Bank ATMs
• Sign up for eStatements to avoid a $3 monthly statement fee^1,2

Connections Club Checking

MidWestOne Bank's Connections Club Checking account is designed for customers age 55+. This account features:

• $1,000 minimum opening deposit
• Discounts on safe deposit boxes & checks
• Earns interest^1,2
• 5 free non-MidWestOne ATM withdrawals per statement cycle

Connections Club Checking has a monthly service charge of $10.00, but this fee can be waived if you maintain a minimum daily balance of $1,000.00, or a relationship balance of $10,000.00^3,4.

Who Should Consider Connections Club Checking?

Connections Club Checking is a good option for customers age 55+ who are looking for a checking account that offers special benefits and discounts. Keep in mind that this account also has a higher daily balance requirement.

Freedom Checking

If you are looking for a simple alternative banking option, look no further than MidWestOne Bank's Freedom Checking account. The Freedom Checking account features are as follows:

• $3.95 monthly service charge
• $25 minimum opening balance
• No minimum balance requirement
• Free Digital Banking services

Who Should Consider Freedom Checking?

Freedom Checking is a great option for customers who are looking for an alternative banking option or who have been turned down for a traditional checking account in the past. After 12 months of account history, you may be eligible to convert to a traditional checking account, such as Power Checking or Free Checking.

How to Choose the Right Checking Account

When choosing a checking account, it’s important to consider your banking needs and preferences.

• If you’re looking for an account with a lot of perks, such as interest and ATM fee refunds, then Power Checking is a good option.
• If you’re looking for a standard checking account, then Free Checking is a good option.
• If you’re aged 55+ and looking for an account with special savings and discounts, then Connections Club Checking is a good option.
• If you’re looking for an affordable alternative banking option, then Freedom Checking is a good option.

You can learn more about each MidWestOne checking account on the bank's website or by speaking with a customer service representative.

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