Online Banking

How do I enroll?

1. Go to login area for Online Banking
2. Choose either Personal or Business in the Online Banking box
3. Click the Enroll link
4. Follow the instructions on the page to self-enroll
   • Personal Online Banking customers will have instant access to their account as long as the personal information entered matches the information on file with BankIowa. If unsuccessful, you will be contacted by a BankIowa representative to complete the enrollment process within 1-3 business days.
   • Business Online Banking customers will be contacted by a BankIowa representative to complete the account setup.

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Online Bill Pay

Ditch the old-school bill payment hassles – Online Bill Pay is your ticket to a faster, more convenient, and FREE way to manage your personal accounts! Say goodbye to stamps, envelopes, and checks.

• Simply input your payees
• Set your payment amounts
• Set your dates, and let the system do the rest.

Need to speed things up? Explore our Expedited Bill Pay option – because managing your bills should be as quick as a click! Click on Bill Payments now and experience the future of hassle-free payments.

People Pay

Send money to your loved ones hassle-free with People Pay! No need for the recipient to be registered or have a BankIowa account – simply make electronic payments using their email address or mobile phone number. Easily set up Contacts and manage both Incoming and Outgoing payments through our Personal Online Banking and Mobile Banking App. 

Transfers

External Transfers

Say goodbye to the old routine of writing checks to yourself for account transfers! Experience the convenience of our External Transfer service, allowing you to seamlessly move money between your BankIowa accounts and those held at other financial institutions.

How do I set it up?

• From the top menu, select Move Money, then in the new window select External/Internal Accounts from menu tab.
• Select the “+ Add Accounts”, then select External and complete the account information required in the form, then select Continue.
• At the next screen, confirm your details and then click on Submit. You may be asked to provide a one-time security code on submission.

Internal Transfers

BankIowa customers now can transfer funds to deposit accounts or loans internally to a recipient that also has a BankIowa deposit and/or loan account. NOTE - the receiving customer has no access to your account, this is a one-way transfer of funds from you to them..

How do I set it up?

• From the top menu, select Move Money, then in the new window select External/Internal Accounts from menu tab.
• Select the “+ Add Accounts”, then select Internal and complete the account information required in the form, then select Continue.
• At the next screen, confirm your details and then click on Submit. You may be asked to provide a one-time security code on submission.

Additional Transfer Features

• Transfer Notes – available for any transfer type, you may add a transfer or payment description note which is then viewable on your account statement
• Transfer Templates – allows you to set up a template for recurring transfer types (ex. if you frequently perform a very similar transfer, such as from Account A to B, but you might vary the amount and when the transfer occurs, you can setup a Transfer Template and edit it easily to accommodate slight variations in transfers)

Alerts

You can set up Account Alerts with notification on your mobile phone or email on file to monitor these actions:

• Daily or Weekly Transfer Summary
• External Transfer Initiated
• Recurring or Scheduled Transfer n Days in Advance
• Recurring Transfer Stopped
• Transfer Changed
• Transfer Complete
• Transfer Failed

You can set Service Alerts which will notify you via your mobile phone or email on file to changes to your account settings which you may not have authorized. This security tool helps prevent identity theft or unauthorized account activity. For example, you can set up a Service Alert to notify you if you home address or account password has changed, alerting you to suspicious activity on your account.

Other Online Banking Features

• Secure Messaging – message our customer care team directly with a question or Request a Service (ex. order checks, change of address, request photocopies, etc.); additionally, secure messaging allows for a document to be attached and sent to our customer service team
• Download Transactions – ability to download account transactions as Quicken (QFX), QuickBooks (QBO), TEXT, and EXCEL file formats compatible with spreadsheet and accounting software 
• Custom Username – ability to create and save a new username (you are not tied to the original username you selected when first creating your account)

How do I know if online banking is secure?

At BankIowa, we use Advanced Login Authentication (ALA), our innovative technology aimed at minimizing fraud risk. ALA combines a User ID with two additional layers – Complex Device Profiling and Step-Up Authentication – to verify user identity effectively. Our Out-of-Band Authentication further enhances security, allowing you to authenticate via a one-time security code delivered through a phone call or text message.

Explore more about Out-of-Band Authentication here. 

For Online Banking assistance, please email us at bankiowa@bankiowa.com or call 800-433-0285. View our Online Banking Agreement