here - First Iowa State Bank

Locations
Keosauqua
714 First Street
Keosauqua, IA 52565
888-226-5232
319-293-3794
today. tomorrow. together.
Bloomfield
110 North Washington
Bloomfield, IA 52537
641-664-1362
Cantril
102 Division St.
Cantril, IA 52542
319-397-2401
While the world around us
is ever-changing, our level of
commitment and service to our
local communities and customers
remains the same.
Birmingham
230 East Cedar
Birmingham, IA 52535
319-498-4500
Telephone Banking
888-202-1267
319-293-6283
Email
[email protected]
Visit us at
1stiowa.com
Checking and
Savings Accounts
1st Iowa State Bank fine-tuned our checking
and savings accounts portfolio to ensure we are
meeting the needs of all our valued customers.
We offer checking accounts for customers that
carry smaller balances, for those of you that
maintain larger balances and any combination
in between. From accounts that allow you
to earn interest, to paperless options, to
savings accounts, we can accommodate
your individual needs.
Enjoy the exceptional services offered at
1st Iowa State Bank.
• Online banking
• Bill Pay
• Mobile banking
• ATM/debit card
•e-statements
• And so much more!
Effective January 1, 2016
It feels great to be green!
1st Iowa State Bank is taking advantage
of modern banking technologies and
offering paperless options. It is good for the
environment and even better for your wallet!
Check out our First Green Checking account.
If you only need online electronic statements,
this is an excellent option that includes the
many services offered at 1st Iowa State Bank.
While we will continue to
offer paper statements,
consider going green —
the same great banking,
only less paper!
Visit us at 1stiowa.com
to learn more.
First Green Checking
First Investment Checking
First Money Market Checking
Small Business (DBA) Checking
Great for students and customers that want to
go paperless and do not need check images.
• e-statement and e-notices only
• No opening balance requirement
• No minimum balance requirement
• No fees
• Does not pay interest
• ATM/debit card
• Bill pay
• Online and mobile banking
• Starter checks, unlimited check
writing and telephone banking
For customers who maintain a higher balance,
this account pays interest and has no service
charge or check charge as long as a minimum
balance is maintained.
• $1,500 minimum balance required to
avoid $10.00 monthly fee ($8.00 monthly
fee if account set up with e-statements
and e-notices)
• $0.25 per check over 25, per month,
if minimum balance falls below $1,500
• Pays a tiered interest rate
• ATM/debit card
• Bill pay
• Online and mobile banking
• Starter checks, unlimited check
writing and telephone banking
For our customers who carry a higher balance
and write few checks each month.
• $1,500 opening balance requirement
• $1,500 minimum balance required to
avoid $10.00 monthly fee ($8.00 monthly
fee if account set up with e-statements
and e-notices)
• $2.00 per debited item over 6, per month*
• $0.25 per deposited item fee over 40,
per month
• Pays a tiered interest rate
• ATM/debit card
• Online and mobile banking
• Starter checks and telephone banking
Our primary business account for
small businesses and sole proprietors.
• No opening balance requirement
• No minimum balance requirement
• No fees if e-statement and e-notices only
• $0.25 per debited items over 50,
per month
• Does not pay interest
• Bill pay and telephone banking
• Online and mobile banking
• Unlimited check writing (subject to fee
over 50 debited items)
First Regular Checking is available with
the same features and benefits. Add
monthly paper statements, paper notices
and check images for $2.50/month.
Kasasa Cash
Get rewarded and earn interest with
Kasasa Cash®.
• e-statement and e-notices only
• Requires 10 POS (Point of Sale) debit card
purchases (ATM transactions not included)
and 1 direct deposit or ACH payment to
post during the monthly qualification cycle
• No opening balance requirement
• No minimum balance requirement
• No fees
• Pays a tiered interest rate
• ATM/debit card
• Bill pay
• Online and mobile banking
• Starter checks, unlimited check
writing and telephone banking
First 50 Checking
For our customers age 50 years and older,
this account offers free, unlimited checking
and earns interest.
• No opening balance requirement
• No minimum balance requirement
• No fees
• Pays a tiered interest rate
• ATM/debit card
• Bill pay
• Online and mobile banking
• Starter checks, unlimited check
writing and telephone banking
• e-statements or paper statements available upon request
Upgrade to First 50 Plus Checking for
$5.00 per month. All the same great
features and benefits and includes the
invaluable services of FraudScout®.
Regular Savings
Start building equity and earn interest.
• $100 opening balance required
• $100 minimum balance required to avoid $1.00 monthly fee
• Interest compounded daily, paid quarterly
• $1.00 per debited item over 6, per month*
(effective May 1, 2016)
Minimum opening balance, minimum balance requirement and
minimum balance fees do not apply for individuals under 21
years of age.
Christmas Club Savings
Start saving for the most joyful time of the year.
We will transfer a set amount from another
1st Iowa State Bank account to this one.
• No opening balance requirement
• No minimum balance requirement
• Interest compounded daily, paid quarterly
• Checks issued early November
Add monthly paper statements,
paper notices and check images
for $5.00/month.
Organization Checking
This account is available for organizations
and clubs.
• No opening balance requirement
• No minimum balance requirement
• No fees
• Does not pay interest
• Statements with images included
• Bill pay
• Online and mobile banking
Additional Commercial Accounts are available.
Please see a customer service representative
for more information.
*Debited items as defined by a pre-authorized Automatic Funds
Transfer, by Automated Telephone or by phone through a bank
representative, whether initiated by check, draft, debit card,
if applicable, or similar order to a third party. This includes
Internet Banking account transfers and bill payments.