Last Updated: 01/21/2026
United Bank of Iowa Classic Checking Account
Unaffiliated
in Checking Accounts from United Bank of Iowa
Last Updated: 01/21/2026
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Highlights
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Cashback Rewards
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APY (Annual Percentage Yield)
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Monthly Service Fee
United Bank of Iowa Classic Checking Account Review
Key Takeaways
- Waivable monthly maintenance fee. Avoid $9 monthly maintenance fee with a $350 minimum balance or 12 debit card purchases. Debit purchases must post within the statement cycle to qualify. ATM transactions do not qualify. The maintenance fee will not apply to: age 62 and over (one account only), age 21 and below (one account only) and Emerald Club members (one account only).
- No minimum initial deposit. There is no minimum balance required to open an account online.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in United Bank of Iowa mobile or online banking.
United Bank of Iowa Classic Checking Account Pros & Cons
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United Bank of Iowa Classic Checking Account FAQ
Are checking accounts from United Bank of Iowa federally insured?
What APY does United Bank of Iowa Classic Checking Account offer?
What are the account minimums for United Bank of Iowa Classic Checking Account?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $350.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does United Bank of Iowa Classic Checking Account charge?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $9.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | $32.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $3.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does United Bank of Iowa Classic Checking Account charge overdraft fees?
Yes, United Bank of Iowa Classic Checking Account charges a $32.00 fee for every overdraft.What features and perks does United Bank of Iowa Classic Checking Account offer?
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - United Bank of Iowa Classic Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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