Free Checking

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At Hiawatha Bank & Trust, our Free Checking account is just that—FREE. There are many banks that claim to be free, only to sneak in additional service charges. At no additional cost to you, your Free Checking account allows you to enjoy online banking, write checks, and access your debit card. At Hiawatha Bank & Trust, free truly does mean free.


  • Minimum balance to open – $50


  • No monthly maintenance fee
  • No minimum balance
  • ATM/Debit cards available with no annual fee or transaction fees
  • Unlimited check writing privileges
  • Combined checking & savings statement
  • An imaged reproduction of your original check will be returned free with monthly statement
  • Free internet banking
  • Free phone banking
  • Ready Reserve overdraft protection available


  • None