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Checking That Fits...YOU! 

Feel like you're spending more quality time with your checkbook and calculator than with family and friends? At Iowa State Bank & Trust we believe that banking should be an invisible component in your life. By getting to know you and your personal needs, we make your finances work behind the scenes. So you can go out and live your life. After all, that's what really matters.

Occasional Overdraft Privilege Service (OOPS!) 

With today's fast-paced lifestyles, it's easy to forget little things - like ensuring your checking account is not overdrawn. That's why ISB&T offers eligible checking customers Occasional Overdraft Privilege Service (OOPS!). There is no monthly fee and you only pay for it as needed. You get the satisfaction of knowing your checking account may be covered if insufficient funds should occur. So live your busy life. We're here for you when things get hectic.

Click here for more information regarding this service

Checking Comparison Chart 

We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the available collected balance in the account each day.

Interest 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 Investment News publication for current interest rates and annual percentage yields based on designated balance tiers.

Iowa State Bank & Trust Company will deem your transactional account inactive if you do not make any deposits to, or withdrawals from the account for a 6-month period. An inactive account remains subject to service charges and may be assessed a non-refundable monthly $5 inactivity fee plus applicable sales tax. The statement cycle may also change to semi-annual with June 30 and December 31 statements.

†Sales tax will apply to these items.

†† There are no monthly maintenance fees if any of the following occur:

Total relationship includes personal checking, savings, CDs, IRAs, as well as current balance on consumer loans.

††† Printed Image Statements are available for a cost of $3.00 plus applicable Iowa State Sales Tax (per account, per statement).