Personal Checking Accounts in Eastern Iowa (Cedar Rapids, Marion, Iowa City, and more)

Checking Accounts in Iowa: Cashback Rewards & More

Name: Personal Checking Accounts
Brand: Farmers State Bank
Rating: 4.9 (321 reviews)

Checking Accounts Built Around You

Looking for a checking account that fits your life? At FSB, we offer personal checking options with flexible features and local service across Iowa. Whether you’re after no monthly fees, cashback rewards, or added perks, we’ll help you find the right account.

See Account Options

Compare Our Checking Accounts in Iowa

Explore side-by-side options to choose the FSB account that fits you best.

Secure Checking

Open with $50 and get secure banking with added perks¹—all for just $4.95/month.⁷

Key Benefits:

6 free non-FSB ATM withdrawals
IDProtect®
Up to $400 in cell phone protection²
No minimum balance required & more

Icon for High Five Rewards Checking in Eastern Iowa (Cedar Rapids, Marion, Iowa City, and more)

High 5 Rewards

Open with $50 and get rewarded for everyday banking with no monthly fees.

Key Benefits:

Earn $5 every month by meeting the minimum requirements⁶
4 free non-FSB ATM withdrawals
No monthly fees
No minimum balance required & more

Icon for Benefits Plus Checking Account in Eastern Iowa (Cedar Rapids, Marion, Iowa City, and more)

Benefit Banking Plus

Open with $100 and enjoy the exclusive perks of FSB's premium account.

Key Benefits:

Earn interest^† (See current rates)
Free ATM withdrawals
30% discount on printed checks
No fees when the minimum balance is met & more

Icon for FSB's Teen Checking Account in Eastern Iowa (Cedar Rapids, Marion, Iowa City, and more)

Student Checking

Start banking with $50—perfect for students staying local or heading to college.⁸

Key Benefits:

3 free non-FSB ATM withdrawals per month
Up to $10 ATM surcharge refunds after the first 3 withdrawals
No monthly fees
No minimum balance required & more

Why Iowans Choose FSB for Checking Accounts

No matter which account you choose, every FSB checking account comes with:

Free Instant-Issue Debit Cards Get your contactless card instantly when you open in-person.	Unlimited FSB ATM Transactions Enjoy unlimited ATM transactions at any FSB-owned ATM.	Online & Mobile Banking Access your account online or via the FSB Now mobile⁹ app.
Mobile Check Deposits Deposit checks from anywhere using your mobile⁹ device.	Custom Account Alerts Set up alerts to stay informed about your account activity.	eStatements Receive your statements electronically.

I love FSB, and I've been banking there for years. The people are so friendly and helpful.

- Peggy H.

Proudly Serving Eastern Iowa Communities

FSB offers various checking accounts tailored to different stages of life. With online applications, instant-issue debit cards, and digital banking services, managing your finances has never been easier.

Need Help Choosing a Checking Account?

Let FSB help determine which account aligns with your financial goals and lifestyle. Start banking smarter today!

Contact a Banker

Two friends laughing outdoors while one holds a phone, representing FSB’s Refer a Friend program.

Earn Rewards for Every Referral

Invite your friends to bank with FSB and earn rewards when they open an account. It’s simple, fast, and now digital—no branch visit needed!

Start Referring

Checking Account Disclosures

Additional Terms and Conditions Apply. Subject to approval.
¹Some benefits require registration and activation. For complete details of this checking account, speak with a Farmers State Bank representative.
²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document.
³Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
⁴Credit file monitoring may take several days to begin following activation.
⁵Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
⁶Earn a $5 reward each month when you receive eStatements and make at least 15 signature-based debit card transactions of $10 or more. The qualifying transactions must post and clear on or before the last business day of the month. When requirements are met, the $5 reward will be credited to your account on the last business day of that month.
⁷Plus applicable sales tax.
⁸When the primary account holder reaches age 24, this account will be converted to a comparable checking account. A parent or guardian must be a co-owner on the account for teens under 18 years of age.
⁹Message and data rates may apply.
^†All rates are subject to change without notice. Interest bearing account – refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields. FSB is not responsible for typographical errors or omissions.

Secure Checking

Account Details:

Minimum Opening Deposit: $50
6 free ATM withdrawals at non-FSB Terminals per statement cycle, then $1.50 per withdrawal
Cell Phone Protection² up to $400 for replacement or repair costs
IDProtect^®:
- Identity Theft Monitoring & Resolution Service³
- Credit File Monitoring⁴
- Credit Report and Credit Score⁵ - access every 90 days
- Up to $10,000 Identity Theft Expense Reimbursement Coverage²
- Access to a Fraud Resolution Specialist
No Minimum Balance Required (to avoid monthly maintenance fee)
Monthly Maintenance Fee⁷ is $4.95 per month
No Transaction Fees

Apply Online

¹Some benefits require registration and activation. For complete details of this checking account, speak with a Farmers State Bank representative.
²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document.
³Benefits are available to personal checking account owner(s), their joint account owners, and their eligible family members subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
⁴Credit file monitoring may take several days to begin following activation.
⁵Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
⁷Plus applicable sales tax.

High 5 Rewards

Account Details:

Minimum Opening Deposit: $50
4 free ATM withdrawals at non-FSB Terminals per statement cycle, then $2 per withdrawal
Earn a $5 reward each month when you meet the following minimum requirements:
- Receive eStatements
- Make a minimum of 15 signature-based debit card transactions in the amount of $10 or more⁶ (excluding PIN-based and ATM transactions)
No Minimum Balance Required (to avoid monthly maintenance fee)
No Monthly Maintenance Fee
No Transaction Fees

Apply Online

⁶The debit card transactions described above must post to and clear the account on or before the last business day of the month. Each month the requirements are met, $5 will be credited to your account on the last business day of the month.

Benefit Banking Plus

Account Details:

Minimum Opening Deposit: $100
$10,000 average daily balance of combined consumer deposits, consumer loans, and/or agricultural loans
Variable Rate Interest (See current rates)
Free ATM withdrawals
5 free cashier's checks per month
Rent-free 3x5 safe deposit box⁸
30% discount on printed checks
Monthly maintenance fee:⁷ $15.00 per month
No Transaction Fees

Apply Online

⁷If monthly balance is not met. Plus applicable sales tax.

⁸3x5 Safe Deposit Box or equivalent discount on a larger size (not FDIC insured; key deposit required)
Interest bearing account – refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields.

Student Checking⁸

Account Details:

Minimum opening deposit: $50
No minimum balance required
3 free non-FSB ATM withdrawals per statement cycle, then $1.50 per withdrawal
$10 reimbursement of ATM fees incurred at non-FSB owned ATMs per statement cycle
No monthly maintenance fee
No transaction fees

Online account opening is not available - please stop by any FSB Branch to get started!

⁸When the primary account holder reaches age 24, this account will be converted to a comparable checking account. A parent or guardian must be a co-owner on the account for teens under 18 years of age.