Iowa State Bank - Privacy Policy

Avoid Costly ATM Surcharges

New deregulations now allow financial institutions to impose additional charges for the convenience of using their automated teller machines (ATMs). That’s why at certain ATMs, you’re being assessed a surcharge fee for making cash withdrawals.

Each financial institution has the option to assess or waive surcharge fees at ATMs they own. If a surcharge is imposed, the fee will be deducted from your account at the ATM, in addition to the amount of your cash withdrawal.

As an Iowa State Bank customer, your ATM Card and SHAZAMChek Debit Card fees have not changed. Our policy will remain the same. We will not surcharge customers for cash withdrawals made at Iowa State Bank ATMs.

Transactions that can be surcharged:

Cash withdrawals

Transactions that cannot be surcharged:

Balance inquiries, deposits or transfers

Purchases made with a Debit Card

Point of Sale(POS) purchases with an ATM or Debit Card

Cash back on a POS purchase

Where can I go to avoid this fee?
Financial Institutions who are members of SHAZAM’s Privileged Status program do not assess a surcharge fee for using their ATMs. In 2001, Iowa State Bank joined the Privileged Status program, a group of independent, community financial institutions, to provide you with a no-surcharge guarantee.

How do I know which ATMs to use?
Simply look for ATMs that display the Privileged Status logo:

If the Privileged Status logo appears on the ATM, you won’t pay a surcharge fee to complete your transaction at that machine.

Iowa State Bank ATM locations:
3601 EP True Pkwy, West Des Moines, IA 50265.
3818 Hubbell Avenue, Des Moines, IA 50317.
627 E. Locust, Des Moines, IA 50309.
2301 128th Street, Urbandale, IA 50323.

Click here for a complete list of Privileged Status ATMs.

How do I know if I will be charged?
If the financial institution that owns the ATM chooses to impose a surcharge fee, they are required to post notice on the ATM. Operators must also provide notice on the screen before you are committed to paying the fee. You will be given the option of continuing or canceling the transaction. A similar message might read: “A $X.XX service fee will be assessed for this transaction, do you wish to continue?” If you choose to continue, you will receive your cash and be assessed the fee. If you do not wish to continue, you can back out of the transaction and not be charged.