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Relationship Checking

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Relationship Checking

If you have most of your financial accounts with MidWestOne, our Relationship Checking account is for you. Earn interest and avoid a monthly service fee with a qualifying balance.

Open account


Standard Features


Minimum balance to open


Minimum daily balance

$1,000, or a total relationship balance of $25,000.

This relationship includes personal checking, savings, certificates of deposit, IRAs and current balance on consumer loans. Excludes residential real estate loans, demand deposit loans and Fresh Start loans.

Monthly service charge

$10, only if balance requirements are not met (sales tax may apply)

Statements – electronic or paper statements


Paper image statement

$3/statement (sales tax may apply)

Earns interest1,2

Yes, tiered rate structure. View rates.

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

5 no fee withdrawals per statement cycle.

$1/withdrawal after 5.


Optional Features

OneCard customized debit card

$10 initial set up fee.3

Overdraft protection

Available, learn more


Open account


1Daily Balance Method used to calculate interest on account. This method applies a daily periodic rate to the principal balance in the account each day.

2Interest rates are variable and subject to change at the bank’s discretion at any time. The annual percentage yield may vary due to the interest rate changes and fees. Please refer to our Deposit Rates for current interest rates and annual percentage yields based on designated balance tiers.

3Sales tax may apply.