Personal Checking
  United Freedom Account United Traditional Account United Preferred Account Check Plus DataTrac Plus
Account Description A free checking account offering many benefits with no hidden charges A very popular account that fits a wide range of needs allowing you to avoid a monthly service charge if you maintain the balance requirement If you wish to earn interest on your checking balance, this is the account for you A package of benefits that can be added to any personal checking account A computerized record keeping service designed especially for farming operations
Minimum Balance
to Open
$100 $100 $100 $100 $100
Balance Requirement
to Avoid Fees
None $500 minimum daily balance or $3,000 average daily balance $750 minimum daily balance or $3,000 average daily balance None None
Fees No monthly service charge or withdrawal fees $7.00 per month plus $.20 per debit over 40 debits $7.00 per month plus $.20 per debit over 40 debits $9.00, $10.00 or $11.00 per month depending on your choice of insurance coverage $28 per month or $285 annually
Interest None None Earned on minimum daily balance of $1,000, paid monthly and tiered as follows:
   $1,000 - $4,999    $5,000 - $9,999    $10,000 or more
No interest with Freedom or Traditional accounts; interest earned with Preferred account No interest with Traditional account; interest earned with Preferred account
Extras
Unlimited check writing
Automatic check safekeeping
Debit card for $1.00/month          
Monthly imaged statements
Debit card for $1.00/month           
Monthly imaged statements
Debit card for $1.00/month         
Free personalized club checks
Debit card - no monthly service fee
Unlimited check writing
Accidental death & dismemberment insurance
Discounted movie theatre tickets
Discounted Adventureland and State Fair tickets
Money orders at no cost
Heartland Inn discounts
Explore Iowa vacation specials
And more!
Free DataTrac Plus binder
All the extras of Check Plus