Personal Checking

Basic Checking

• No minimum balance required
• 30 free debits per statement cycle
  

  Debits that count	Debits that don't count
  Checks	ACH transactions
  ATM cash withdrawals	PhoneHome transfers
  ATM transfer to another account	Online transfers
  Debit Card purchases	Bill Pay payments

• $5.00 service charge if you have more than 30 debits posted to the account per statement cycle

Traditional Checking

• $300.00 daily minimum balance required
• $7.00 monthly service charge if you go below the minimum balance requirement
• No limit to the number of debits posted to the account
• Plus, your first order of 25 checks is free

Value 55 Checking

• Limited to those age 55 and over
• No minimum balance required
• No service charges
• Free personalized, standard checks

Classic Advantage Checking

• $500.00 daily minimum balance required
• $7.00 monthly service charge if you go below the minimum balance requirement
• Earns competitive interest rates
• Free Single Signature Traveler's Cheques
• First order of 25 checks is free

Premier Checking

• $1,500.00 daily minimum balance required
• $10.00 monthly service charge if you go below the minimum balance requirement
• Tiered interest rates to give you more earnings at higher levels
• FREE:    
  • Personalized, standard checks
  • SHAZAMChek Visa Debit Card
  • Check Imaging
  •  Money Orders
  • Cashier's Checks
  • Single Signature Traveler's Cheques
  • $5.00 annual discount on a safe deposit box

Iowa State Bank is participating in the FDIC's Transaction Account Guarantee Program. Under the program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

As of December 19, 2008, FDIC's definition of non-interest bearing transaction accounts includes interest on Lawyers Trust Accounts (and functionally equivalent accounts) and low-interest NOW accounts (with interest rates no higher than 0.25% APY after June 30, 2010).