Search / Checking accounts by state / Iowa Low-cost checking accounts in Iowa There are 32 Bank On certified checking accounts available to residents of Iowa. Of those, 21 carry a $0 monthly maintenance fee and 29 charge no overdraft fees at all. 13 come from local or regional institutions rooted in Iowa, while 19 are offered by national banks serving customers across the country.
Certified accounts 32
$0 monthly fee 21
No overdraft fees 29
Local institutions 13 Northwest Bank
Compass Digital Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Bank of America
SafeBalance Banking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees Yes
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Alliant Credit Union
High-Rate Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 80,000+ Alliant Credit Union
Teen Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 80,000+ Ally Bank
Spending Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 75,000+ Bankers Trust
Foundation Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. First Interstate Bank
Simple Banking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Great Southern Bank Foundations
Banking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
First National Bank of Omaha
Access Debit Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified First National Bank of Omaha
Free Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 55,000+ MidWestOne Bank
Freedom Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. American Bank & Trust Company
Edge Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Sterling Federal Bank
BankOn Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. American National Bank
SafeSpend Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 4+ Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Centris Federal Credit Union
Basic Access Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Discover Bank
Cashback Debit Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. LendingClub
Level Up Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs -1+ nbkc bank
Everything Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 90,000+ Quorum Federal Credit Union
QFlex Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Quad City Bank and Trust QCBT
BankOn Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $50
Overdraft fees None
Free ATMs Money Pass Network First Bank
(Iowa) First Start Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $25
Overdraft fees Yes
Free ATMs 10+ U.S. Bank
Safe Debit Account Online bill pay Mobile check deposit Debit card
Monthly fee $4.95
To open $25
Overdraft fees None
Free ATMs USA network Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 40,000+ CBI Bank & Trust Bank
On Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs CBI Bank & Trust locations Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs MoneyPass Cedar Rapids Bank and Trust
CRBT BankOn Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 55,000+ Community Bank & Trust
CBT BankOn Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 55,000+ Wells Fargo
Clear Access Banking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 10,000+ Community State Bank
CSB BankOn Checking Online bill pay Mobile check deposit Debit card
Monthly fee $7.00
To open $100
Overdraft fees None
Free ATMs 20+ nbkc bank
Money Market Account Online bill pay Mobile check deposit Debit card
Monthly fee $12.00
To open $0
Overdraft fees None
Free ATMs 90,000+ UMB Bank
Check-Free Banking Online bill pay Mobile check deposit Debit card
Monthly fee $20.00
To open $1000
Overdraft fees Yes
Free ATMs UMB Next steps for Iowa residents