The Spirit of American Banking
~Since 1899


  • Q: Why is my deposit not showing up in my account?

    A1: Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit.  Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of deposit.

    A2: When a deposit is made after 4:00 pm it does not meet the cut off time for that day. This means your deposit will get processed the next business day and will not show in your account until the next business day after that. For example, John Doe deposits $100 on Monday at 4:10 pm. Since it was after the cut off time the deposit would not show up until Wednesday because it would get processed on Tuesday. If a deposit was made on Friday after the cut off time the funds will not show up until Tuesday because no work is processed over the weekend.

  • Q: Why doesn't my online banking password work?

    A: If your account is inactive for 90 days your password will not work and your account will be completely disabled for security purposes. You must re-enroll on our website, please. You will be issued a temporary password and be required to re-activate your internet banking account.

  • Q: Why will my debit card not work?

    A: There are multiple reasons your debit card may not be working.  Two more common explanations are as follows:
    Newly Issued Debit Card: If you recently received your card, to activate it you must do a “balance inquiry” at an ATM machine by using your PIN # (Personal Identification Number). If this is not done when you receive a debit card for the first time you will not be able to use your card for other purchases.

    POS Decline: If your card is declined at a POS (Point Of Sale: ie. retail merchant) there are a few things that may be wrong. First would be your available balance is negative (note: if a deposited check has not cleared yet it is not available to use on a debit card). Second, you may have reached your daily card limit. You should call 319-882-4279 to receive more information about card limits. Thirdly, if you are using your card outside of Iowa your card might get blocked to protect you from fraud. When traveling outside of Iowa it is best to contact us to avoid having card issues when traveling.

  • Q: Can I change my PIN #?

    A: Yes, you may change your PIN #. Please call 319-882-4279 to get directions on how to do so.

  • Q: Can I get a debit card for my savings account?

    A: No, debit cards are only available to customers with checking accounts. However, if you have a savings account that shares the same account number as your checking account your debit card may be used to get cash out of your savings account at ATM’s only, if you so authorize.

  • Q: My card is almost set to expire. How do I get a new one?

    A: Approximately two weeks before the expiration date on your card, you will be mailed a new card automatically.