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Personal Banking

Consumer Accounts

  Simply Checking Preferred Checking Full Service Checking Premier Checking
Opening Deposit $100 $100 $100 $10,000
**Average Available (collected) Balance to Earn Interest N/A N/A $2,500 All Balances

Images with Statements









Free Online & Mobile Banking Yes Yes Yes Yes
**Average Available (collected) Balance Required to Avoid *Monthly Service Charge & Other Features (P1) No Minimum Balance Required $750 $2,500 $50,000
  Personal Savings Money Market Savings College Fund Account
Opening Deposit


$100 $250
**Average Available (collected) Balance to Earn Interest All Balances $25,000 $250
Images with Statements N/A N/A N/A
Free Online & Mobile Banking Yes Yes Yes
**Average Available (collected) Balance Required to Avoid *Monthly Service Charge (P2) $100 (P3)$2,500 N/A

*All accounts subject to monthly service fees are eligible for reduced fees or waived fees based on specific requirements within each account. Please see a Personal Banker for more details.
(P1) There are no balance requirements for this account. A monthly service fee of $1.50 applies to this account. $1.00 may be waived if you elect for our online statement option or recurring direct deposit.

(P2) There are No minimum average available balance requirements for children under 18. Opening Deposit required is $25 for children under 18. All accounts will incur a $1.00 per withdrawal/debit over 3 per statement cycle. A $2.00 Low Balance Service Fee is charged when the Average Available (collected) Balance (AAB)** is below $100.00 for the statement period.

(P3) All Accounts will incur a $10.00 per withdrawal/debit over 6 per statement cycle, $1.00 per deposit over 4 per statement cycle and $0.25 per deposited item over 20 per statement cycle.

(P4) Available upon request with a charge.

**The (AAB) is calculated by adding the available principal balance in the account for each day of the period and dividing that figure by the number of days in the period. The available balance is the account balance, less unpaid deposited items drawn on other financial institutions in the process of collection. Please E-mail us or contact a Personal Banker at one of our branches for current rate information.

CD's and IRA's

No fees are charged unless there is an early withdrawal or the account is closed before its final maturity date. In such instances, a penalty fee for early withdrawal will apply.

30-90 Days $2,500 Minimum Deposit
3, 6 and 12 Months $1,000 Minimum Deposit
18, 24, 30 and 36 Months $1,000 Minimum Deposit
42, 48 and 60 Months $1,000 Minimum Deposit
15 and 33 Month with Bump $1,000 Minimum Deposit

Click Here to Request Current Rates

Interest rates and Annual Percentage Yield (APY) are based on the deposit amount and deposit time period selected.

The current Interest Rate Tiers are: over $1,000; over $15,000; & over $50,000.

“Jumbo” Certificates over $100,000 are quoted interest rates on an individual basis.

Interest for your account is compounded quarterly or at maturity.

Certificates of Deposit do not have transaction capability.

Important Information about Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

Debit & ATM Cards

My Photo Card

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How local banking supports this local community

Did you know that your everyday deposits are vital to the economic development of your local community? It’s true.

When you make a deposit at Grinnell State Bank, the local community benefits. Grinnell State Bank offers loan opportunities such as:

Contact us today to learn more at (800) 236-3187.

Smooth Move Switch Kit

Step 1:   Open a Grinnell State Bank checking account.

Our friendly, efficient staff will help you decide which account options best fit your needs. Open a checking account at any of our four locations by calling our Personal Bankers at:

Grinnell 641-236-3174
Marengo 319-642-5511
Johnston 515-278-6300
Polk City 515-984-6211

Step 2:   Stop using your previous checking account.

Allow time for outstanding checks to clear and automatic debits and credits to switch over. Destroy your ATM and/or debit card(s), any unused checks and deposit slips.

Step 3:   Move your Direct Deposit(s) to Grinnell State Bank.

Notify anyone making direct deposits to your previous account of your new Grinnell State Bank account information. For your convenience we have packets that include Direct Deposit Authorization Forms available at each of our locations. To ensure payment has been made to your account, please monitor accounts closely.

For Social Security Direct Deposits, call 1-800-772-1213 or visit http://www.ssa.gov/deposit/

Step 4:   Transfer any automatic payments and debits to Grinnell State Bank.

Notify anyone deducting automatic payments (insurance, phone service providers, gym etc.) from your previous account of your new Grinnell State Bank account information.

Your Switch Kit will include Automatic Payment Forms to assist you in quickly making this change.

Step 5:   Close your previous checking account.

After all your checks and automatic payments have cleared, close your previous checking account.

Contact our Personal Bankers Today!

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