FREE CHECKING
A simple, straightforward checking account to meet your everyday banking needs. MidWestOne Bank's Free Checking account is designed with convenience and ease in mind. Click the button below to start your simple online application.
Free Checking Account Benefits
Our Free Checking account is designed to provide you with all the essential banking services without any unnecessary fees. With a minimum opening deposit of just $25, you can get started with ease. Benefits include:
- $25 minimum opening deposit
- No daily balance requirements
- No monthly service charge
- eStatements1,2
All MidWestOne Checking Accounts Come With:
- Digital Banking
- Debit Card
- Free Mobile Deposit
- Free eStatements
- Apple & Android Pay
- Free withdrawals from MidWestOne ATMs
- Free Bill Pay
- Zelle
Not sure this is the right account for you?
If you're unsure whether the Free Checking account is the best fit for your needs, we invite you to compare our other account options.
At MidWestOne Bank, we offer a variety of accounts designed to meet different financial goals and lifestyles.
Explore our offerings to find the one that suits you best.
MIDWESTONE FREE CHECKING ACCOUNT FREQUENTLY ASKED QUESTIONS
What is the minimum deposit to open a Free Checking account?
The minimum opening deposit for a Free Checking account is $25.
Are there any monthly service charges?
No, there are no monthly service charges for the Free Checking account.
Do I need to maintain a minimum daily balance?
No, there are no daily balance requirements for this account.
What digital banking features are included?
All MidWestOne checking accounts come with digital banking, which includes online and mobile banking, free mobile deposit, free eStatements, and compatibility with Apple Pay and Android Pay.
Can I use ATMs for free?
Yes, you can make free withdrawals from MidWestOne ATMs & the MoneyPass network of ATMs.
How do I sign up for eStatements?
You can sign up for eStatements through our online banking platform. It's a simple process that helps you stay organized and environmentally friendly.
What is Zelle and how do I use it?
Zelle is a fast, safe, and easy way to send and receive money with friends, family, and others you trust. You can use Zelle through our mobile banking app or online banking.
Online Resources
MidWestOne Blog
Visit the MidWestOne Blog page to find in-depth information on our products and services as well as tips on banking, saving and everything in between.
Online Learning Center
The online learning center makes it simple to learn all about MidWestOne services that come along with your checking account.
