Best Banks & Checking Accounts in Des Moines, Iowa - June 2026
Brian McKay
Brian McKay
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The best checking rates for Des Moines, Iowa include Greater Iowa Credit UnionGreater Iowa Credit Union600 E 30th St, Des Moines, IA 50317 2406A5.0 ★Texas Ratio: 8.23% Greater CheckingTM (Qualifying) at 5.00% APY, Affinity Credit UnionAffinity Credit Union475 NW Hoffman Ln, Des Moines, IA 50313 2261A+5.0 ★Texas Ratio: 3.95% eGreen Rewards Checking at 3.04% APY, Earlham Savings BankEarlham Savings Bank3401 Sw 9th St, Des Moines, IA 50315A+5.0 ★Texas Ratio: 3.45% High Yield Checking at 1.15% APY, Vibrant Credit UnionVibrant Credit Union520 E Grand Ave, Des Moines, IA 50309A-5.0 ★Texas Ratio: 14.65% Everyday Checking at 0.00% APY, and TruBankTruBank612 Army Post Rd, Des Moines, IA 50315A5.0 ★Texas Ratio: 10.56% Advantage Checking at 0.10% APY. Checking account rates as of June 16, 2026 according to verified data from MonitorBankRates.
Des Moines has 7 local institutions in our database, with checking rates as high as 5.00% APY from Greater Iowa Credit Union at 600 E 30th St, Des Moines, IA, 50317 2406. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Des Moines, Iowa. Checking Account Rates Last Updated and Verified: June 16, 2026
Compare Checking Account Rates Today in Des Moines, Iowa & the Surrounding Area
Des Moines Checking Account Rates
Des Moines, IA 50317 2406
Qualifications Required: Have a share (membership) account with a minimum balance of $5.00; Have at least twenty (20) debit card purchases totaling $100 (PIN based or signature based) from Greater Iowa debit card, and the purchases must post and settle prior to the close of business on the last business day of the month; The membership associated with Greater Checking account must elect to receive electronic statements (e-Statements) in lieu of paper statements by registering or linking for e-Statements with a valid email address; Have a direct deposit of at least $100 per month in the Greater Checking account or at least one payment made via Greater Iowa bill pay from the Greater Checking account (internal transfers are excluded and do not qualify) prior to the close of business on the last business day of the month.; Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Des Moines, IA 50313 2261
Qualified Dividend Rate; Qualified APY*
Des Moines, IA 50315
$10.00 maintenance fee + $0.25 per debit fee, if the account balance falls below $1500.00 any day of the statement cycle.
Des Moines, IA 50309
APY*
Des Moines, IA 50315
$10.00 maintenance fee, if the average daily balance for the statement cycle falls below $1500.00.
Des Moines, IA 50315
$5.00 maintenance fee + $0.25 per debit fee, if the balance falls below $500.00 any day of the statement cycle.
Des Moines, IA 50313 2261
Qualified Dividend Rate; Qualified APY*
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50309
APY*
Des Moines, IA 50309 2010
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50321
No additional details provided.
Des Moines, IA 50309
APY*
Des Moines, IA 50309 2010
No additional details provided.
Des Moines, IA 50317 2406
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Des Moines, IA 50317 2406
Qualifications Required: Have a share (membership) account with a minimum balance of $5.00; Have at least twenty (20) debit card purchases totaling $100 (PIN based or signature based) from Greater Iowa debit card, and the purchases must post and settle prior to the close of business on the last business day of the month; The membership associated with Greater Checking account must elect to receive electronic statements (e-Statements) in lieu of paper statements by registering or linking for e-Statements with a valid email address; Have a direct deposit of at least $100 per month in the Greater Checking account or at least one payment made via Greater Iowa bill pay from the Greater Checking account (internal transfers are excluded and do not qualify) prior to the close of business on the last business day of the month.; Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Des Moines, IA 50321
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines High Yield Checking Rates
Des Moines, IA 50317 2406
Qualifications Required: Have a share (membership) account with a minimum balance of $5.00; Have at least twenty (20) debit card purchases totaling $100 (PIN based or signature based) from Greater Iowa debit card, and the purchases must post and settle prior to the close of business on the last business day of the month; The membership associated with Greater Checking account must elect to receive electronic statements (e-Statements) in lieu of paper statements by registering or linking for e-Statements with a valid email address; Have a direct deposit of at least $100 per month in the Greater Checking account or at least one payment made via Greater Iowa bill pay from the Greater Checking account (internal transfers are excluded and do not qualify) prior to the close of business on the last business day of the month.; Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Des Moines, IA 50313 2261
Qualified Dividend Rate; Qualified APY*
Des Moines, IA 50315
$10.00 maintenance fee + $0.25 per debit fee, if the account balance falls below $1500.00 any day of the statement cycle.
Des Moines, IA 50315
$5.00 maintenance fee + $0.25 per debit fee, if the balance falls below $500.00 any day of the statement cycle.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50317 2406
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Des Moines, IA 50317 2406
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Des Moines, IA 50317 2406
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Des Moines, IA 50317 2406
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Qualifications Required: Requirements must be met to earn dividend.; up to $15,000
Bonus APY* ($0.01 - $10,000.00)
Bonus APY Ages 13-25*** ($0.01 - $5,000.00)
Qualifying balance up to $20,000.00
Qualifications Required; Tiered balance; (2)(3)(5)(7)(9)
Up to $10,000
Qualifying balance up to $100,000.00
Qualifications Required: When qualifications are met; When qualifications are met
Qualifications Required: If qualifications are not met for statement cycle; Qualifying balance up to $20,000.00
No additional details provided.
No additional details provided.
Des Moines Rewards Checking Rates
Des Moines, IA 50313 2261
Qualified Dividend Rate; Qualified APY*
Des Moines, IA 50313 2261
Qualified Dividend Rate; Qualified APY*
Qualifying balance up to $20,000.00
Up to $10,000
Qualifications Required: If qualifications are not met for statement cycle; Qualifying balance up to $20,000.00
Qualifications Required: 14 Mastercard debit purchases each statement cycle; 1 ACH auto debit or direct deposit; enroll and receive online statements; Balances up to $20,000 receive APY of 2.00%; balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance.
Qualifications Required: 14 Mastercard debit purchases each statement cycle; 1 ACH auto debit or direct deposit; enroll and receive online statements; Balances up to $20,000 receive APY of 2.00%; balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance.
APY range for balances over $20,000.00
No additional details provided.
Rate for all balances if qualifications not met
$25,000.01 and up
Qualifications Required: 14 Mastercard debit purchases each statement cycle; 1 ACH auto debit or direct deposit; enroll and receive online statements; If qualifications are not met, all balances earn 0.01% APY.
If qualifications are not met for statement cycle
Get more from shopping than just a receipt - this free account earns you cash back on debit card purchases.
Des Moines Free Checking Rates
Des Moines, IA 50317 2406
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
Des Moines, IA 50309
No additional details provided.
$10.00 monthly service charge for average current balance less than $2,500.00.
New checking clients can earn up to $600 when completing qualifying activities. Promotional offers are not available for customers with an existing Old National Bank personal checking account (including owners; signers on joint accounts), personal checking accounts closed within the last 36 months or have been paid on an Old National personal checking promotional bonus in the past 36 months or Old National Bank employees.
No additional details provided.
No additional details provided.
No additional details provided.
Des Moines Student Checking Rates
Des Moines Business Checking Rates
Des Moines, IA 50309
APY*
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50309
APY*
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50309
APY*
Des Moines, IA 50309
APY*
Des Moines, IA 50317 2406
Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the date listed above.
$50,000 and Over
No additional details provided.
$25,000 - $49,999.99
No additional details provided.
$10,000 - $24,99.99
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Minimum balance to receive interest rate $2,500.00.
Des Moines, IA Checking Rate Trends
Compare local Des Moines, IA checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Iowa high-yield checking rates fell 0.279 points over the past 7 days to 1.595% APY.
Iowa free checking rates fell 0.073 points over the past 7 days to 1.140% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Des Moines, Iowa checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Des Moines, Iowa directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Des Moines, Iowa. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in IA.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Des Moines, Iowa earn interest?
Are banks in Des Moines, Iowa FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Des Moines, Iowa
- Greater Iowa Credit Union
Greater CheckingTM (Qualifying) — 5.00% APY - Affinity Credit Union
eGreen Rewards Checking — 3.04% APY - Earlham Savings Bank
High Yield Checking — 1.15% APY - Vibrant Credit Union
Everyday Checking — 0.00% APY - TruBank
Advantage Checking — 0.10% APY
