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Home Personal Banking Savings Club One


Designed for kids age 17 and under, this account will help kids build a savings habit that will last a lifetime.

When your child turns 18, this account will convert to a Consumer Savings account.

To sign up, visit your MidWestOne location.


Standard Features

Minimum balance to open$10
Minimum daily balanceNone
Monthly service chargeNone
Earns interest1,2Yes
Withdrawal/transfer availability36 per calendar month
Statements - electronic or paperNo fee
Online and mobile bankingYes, no fee; message and data rates may apply
(Kids, please ask your parents before downloading.)
Mobile depositYes, no charge
ATM card availableNo

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.

3Transfers from these accounts to another account or to a third party by pre-authorized, automatic, online or telephone transfer, by check or similar order are limited to six per calendar month. If these transaction limitations are exceeded three times in a 12-month period, the account will be closed or converted to another type of transaction account allowing unlimited third-party transfers. There is a $10 service charge  for each monthly statement cycle for excess activity of more than six withdrawals/transfers per statement cycle. This fee does not apply to ClubOne Savings.

4Sales tax may apply for accounts maintained in Iowa.