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Free Checking

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Free Checking

Want all the basics with no monthly service charge? Then our Free Checking account may be the right fit for you.

Open account


Standard Features


Minimum balance to open


Minimum daily balance

No minimum balance

Monthly service charge

No fee

electronic statements

No fee and required.

If you choose to receive a paper statement (non-image or image), you will be charged $3/statement1

Earns interest


Online and mobile banking

No fee, message and data rates may apply

Online bill pay

No fee

Standard debit card

No initial set up fee

Withdrawals from MidWestOne-owned ATMs

No fee

Withdrawals from ATMs not owned by MidWestOne



Optional Features

Optional Features

OneCard customized debit card

$10 initial set up fee.1

Overdraft protection

Available, learn more


Open account

1Sales tax may apply.